Stocktoria

SIERRA BANCORP BSRR

Nasdaq · stock · State Commercial Banks · website · IPO 1993-10-27

SIERRA BANCORP statistics & valuation

Market cap$537.2M
P / E12.7×
P / B1.5×
P / FCF16.7×
Dividend yield2.56%
Return on equity11.6%
Net cash$86.1M
Enterprise value USD$451.0M
Graham number +6.4%$43.34

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($43.34); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
8.50% 7.60% 10.90% 11.60% 10.30% 11.90% 11.10% 10.30% 11.40% 11.60% 2016201720182019202020212022202320242025
Shares outstanding
13.8M 15.2M 15.4M 15.4M 15.4M 15.4M 15.2M 14.8M 14.4M 13.6M 2016201720182019202020212022202320242025
Net debt ($)
-$120.4M -$70.1M -$208.4M -$27.9M -$29.3M -$51.3M -$86.1M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.90% 0.80% 1.20% 1.40% 1.10% 1.30% 0.90% 0.90% 1.10% 1.10% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
0.00× 0.00× 0.14× 0.16× 0.15× 0.14× 0.14× 2016201720182019202020212022202320242025
EPS ($)
$1.29 $1.36 $1.92 $2.33 $2.32 $2.80 $2.24 $2.36 $2.82 $3.11 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

SIERRA BANCORP trades at about 13.1× earnings — above its 10-year norm (10-year range 8.8×–20.7×, median 11.4×).

8.8× 20.7×

Shaded band = 10-year range (8.8×–20.7×); dot = today's 13.1×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets1.1%1.1%0.9%0.9%1.3%1.1%1.4%1.2%0.8%0.9%
Return on equity11.6%11.4%10.3%11.1%11.9%10.3%11.6%10.9%7.6%8.5%
Debt / equity0.14×0.14×0.15×0.16×0.14×———0.00×0.00×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.