📊 BSRR Key Takeaways
Investment Thesis
Sierra Bancorp demonstrates solid fundamental strength with robust revenue growth of 37.5% YoY and healthy profitability margins (24.7% net margin, 32.9% operating margin). The bank maintains a conservative capital structure (0.14x debt-to-equity) with strong interest coverage of 5.0x, though ROE of 11.6% and ROA of 1.1% suggest moderate efficiency relative to size.
BSRR Strengths
- Strong revenue growth of 37.5% YoY indicating business expansion
- Healthy net profit margin of 24.7% and operating margin of 32.9%
- Conservative leverage with 0.14x debt-to-equity ratio and solid interest coverage of 5.0x
- Positive free cash flow generation of $32.2M with 18.8% FCF margin
- Significant insider activity with 17 Form 4 filings in last 90 days
BSRR Risks
- Modest ROE of 11.6% and ROA of 1.1% suggest below-average capital efficiency for a regional bank
- Net income flat YoY despite 37.5% revenue growth indicates margin compression or expense growth
- EPS growth of 10.3% lags revenue growth, raising concerns about operational leverage
- Limited asset quality and loan portfolio details available for comprehensive credit risk assessment
- Regional bank exposure to economic cycles and interest rate sensitivity
Key Metrics to Watch
- Net income growth trajectory and margin sustainability
- Loan-to-deposit ratio and asset quality metrics (NPL ratio, charge-offs)
- Net interest margin and sensitivity to interest rate changes
- ROE and ROA trends for efficiency improvements
- Capital adequacy ratios and regulatory compliance
BSRR Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
BSRR Profitability Ratios
BSRR vs Finance Sector
How SIERRA BANCORP compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
BSRR Balance Sheet & Liquidity
BSRR 5-Year Financial Trend
5-Year Trend Summary: SIERRA BANCORP's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.36 reflects profitable operations.
BSRR Growth Metrics (YoY)
BSRR Capital Allocation
BSRR SEC Filings
Access official SEC EDGAR filings for SIERRA BANCORP (CIK: 0001130144)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BSRR
What is the AI rating for BSRR?
SIERRA BANCORP (BSRR) has an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are BSRR's key strengths?
Strong revenue growth of 37.5% YoY indicating business expansion. Healthy net profit margin of 24.7% and operating margin of 32.9%.
What are the risks of investing in BSRR?
Modest ROE of 11.6% and ROA of 1.1% suggest below-average capital efficiency for a regional bank. Net income flat YoY despite 37.5% revenue growth indicates margin compression or expense growth.
What is BSRR's revenue and growth?
SIERRA BANCORP reported revenue of $171.4M.
Does BSRR pay dividends?
SIERRA BANCORP pays dividends, with $13.7M distributed to shareholders in the trailing twelve months.
Where can I find BSRR SEC filings?
Official SEC filings for SIERRA BANCORP (CIK: 0001130144) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BSRR's EPS?
SIERRA BANCORP has a diluted EPS of $3.11.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.