SIERRA BANCORP BSRR

Latest FY: 2025 Financial Services Banks - Regional
Market Price $40.93
Market Cap $536.51M
P/E Ratio 13.16
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑21.7% YoY
$155.28M
3-Yr CAGR: 3.4%
Net Income ↑4.4% YoY
$42.33M
Net Margin: 27.3%
Free Cash Flow ↓-42.5% YoY
$32.17M
FCF Yield: 6.00%
EPS (Diluted) ↑10.3% YoY
$3.11
Basic: $3.14
Return on Equity Efficiency
11.6%
ROA: 1.1%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (BSRR)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $70.6M $67.2M $17.6M $1.29 $17.5M $13.9M
FY 2017 $81.1M +14.9% $75.8M $19.5M +11.2% $1.36 +5.4% $41.3M $39.2M +181.1%
FY 2018 $97.7M +20.5% $88.4M $29.7M +51.9% $1.92 +41.2% $30.4M $27.3M -30.3%
FY 2019 $103.2M +5.7% $89.6M $36.0M +21.2% $2.33 +21.4% $46.7M $46.0M +68.2%
FY 2020 $110.9M +7.4% $105.5M $35.4M -1.4% $2.32 -0.4% $40.0M $37.1M -19.2%
FY 2021 $116.1M +4.7% $112.1M $43.0M +21.4% $2.80 +20.7% $52.7M $52.3M +40.9%
FY 2022 $140.4M +20.9% $128.2M $33.7M -21.7% $2.24 -20.0% $33.6M $32.3M -38.2%
FY 2023 $120.5M -14.2% $69.7M $34.8M +3.5% $2.36 +5.4% $53.2M $51.8M +60.5%
FY 2024 $127.5M +5.9% $75.2M $40.6M +16.4% $2.82 +19.5% $57.2M $56.0M +8.0%
FY 2025 $155.3M +21.7% $108.6M $42.3M +4.4% $3.11 +10.3% $33.7M $32.2M -42.5%
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Valuation

Market Price $40.93
Market Cap $536.51M
Enterprise Value $450.36M
P/E Ratio 13.16
P/B Ratio 1.47
FCF Yield 6.00%
Dividend Yield 2.44%
Shares Outstanding 13,079,200
%

Profitability & Margins

Gross Margin 69.92%
Operating Margin 36.35%
Net Margin 27.26%
Return on Equity (ROE) 11.60%
Return on Assets (ROA) 1.11%
Asset Turnover 0.04x
Revenue 3-Yr CAGR 3.42%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.136
Debt / Assets 0.013
Cash & Equivalents $135.63M
Total Debt $49.48M
Book Value / Share $27.90
💧

Cash Flow Efficiency

Operating Cash Flow $33.70M
Capital Expenditures (CapEx) $1.53M
Free Cash Flow $32.17M
OCF / Revenue 21.71%
FCF / Revenue 20.72%
FCF 3-Yr CAGR -0.13%
🏷️

Per Share Metrics

EPS (Diluted) $3.11
EPS (Basic) $3.14
Dividends / Share $1.00
Book Value / Share $27.90
EPS YoY Growth 10.28%
🏛️

Balance Sheet (FY 2025)

Total Assets $3.83B
Total Liabilities $3.46B
Stockholders' Equity $364.86M
Current Assets N/A
Current Liabilities N/A