Sierra Bancorp Common Stock (BSRR)

FairStock Score: 66/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Sierra Bancorp as a small California bank holding company with a $512.8M market cap and a $39.56 close on 2026-10-13. The filed numbers show net income of $34.8M in FY2023, $40.6M in FY2024 and $42.3M in FY2025, with diluted EPS of $2.36, $2.82 and $3.11. That is respectable but not dynamic; FairStock's Lynch classification is Slow Grower, with profit growing 3.6% a year over five years. Recent quarters are mixed: fiscal Q2 2026, ended 2026-06-30, had net income of $9.9M and diluted EPS of $0.77, down from $10.6M and $0.78 in fiscal Q2 2025, though fiscal Q1 2026 had $12.5M and $0.96. At 11.64 times earnings and 1.38 times book, with a 12.46% ROE and 2.72% dividend yield, the price looks fair rather than cheap. The 0.75 beta and Piotroski F-Score of 5/9 suggest average, not standout, financial strength. As a bank, I care most about capital, net interest margin and credit quality, but CET1, NIM, nonperforming loans and reserves are not in the data. Without those, I cannot judge underwriting risk. I see a modest local franchise earning decent returns, but slow growth and missing credit detail mean no obvious margin of safety.

In plain English: Sierra Bancorp is a small California bank that takes deposits and makes loans to people and businesses. It has been profitable and earns a reasonable return, but its growth has been slow and recent quarterly earnings were slightly lower than a year earlier. At the recent price, the stock looks neither clearly cheap nor clearly expensive based on its profits and accounting value.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer