BSRR

Sierra Bancorp

$28.86

0.28

(0.96%)

Exchange:	NASDAQ
Market Cap:	398.741M
Shares Outstanding:	9.123M

Overview

Earnings

Financials

Valuation

Chart

About The Company

Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking services to individuals and businesses in California. The company accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. Its loan products include agricultural, commercial, consumer, real estate, construction, and mortgage loans. The company also offers automated teller machines; electronic point-of-sale payment alternatives; online and automated telephone banking services; and remote deposit capture and automated payroll services for business customers. As of December 31, 2021, it operated 35 full-service branches, an online branch, a loan production office, an agricultural credit center, and an SBA center. Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California.

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Revenue Segmentation

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EPS

View full analyst estimates

Earnings Call

No transcript or summary available for this symbol.

Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Income Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Revenue	77,841	84,420	97,480	113,958	120,846	130,985	127,555	130,090	139,124	138,822
? Cost Of Revenue	3,015	3,428	4,494	3,994	0	0	0	0	0	0
? Gross Profit	74,826	80,992	92,986	109,964	120,846	130,985	127,555	130,090	139,124	138,822
? Research And Development Expenses	0	0	0	0	0	0	0	0	0	0
? General And Administrative Expenses	24,871	27,452	31,506	36,133	35,978	40,178	50,987	45,947	60,937	50,338
? Selling And Marketing Expenses	2,319	2,386	2,514	2,748	2,568	1,889	1,521	1,729	2,215	1,422
? Operating Expenses	-45,107	-51,302	-54,584	-61,136	-73,128	-84,462	-70,356	-72,971	63,152	138,822
? Net Interest Income	0	0	0	0	0	0	0	0	0	120,029
? Interest Income	62,707	68,505	80,924	101,638	110,947	110,243	113,076	121,819	163,121	172,348
? Interest Expense	2,581	3,323	5,223	9,244	13,578	5,408	4,050	12,204	50,716	52,319
? Depreciation And Amortization	2,272	2,584	3,360	4,014.999	3,884	4,099	4,269	3,536	3,232	2,881
? EBITDA	29,544	29,286	37,478	45,922	51,780	50,622	61,468	48,451	49,696	0
? EBIT										-2,881
? Operating Income	29,719	29,690	38,402	48,828	47,718	46,523	57,199	57,119	46,464	-109,068
? Income Before Tax	27,138	26,367	33,179	39,584	47,718	46,523	57,199	44,915	46,464	53,868
? Income Tax Expense	9,071	8,800	13,640	9,907	11,757	11,079	14,187	11,256	11,620	13,308
? Net Income From Continuing Operations										40,560
? Net Income	18,067	17,567	19,539	29,677	35,961	35,444	43,012	33,659	34,844	40,560
? EPS (Earnings Per Share)	1.340	1.300	1.380	1.940	2.350	2.330	2.820	2.250	2.370	2.840
? EPS Diluted	1.330	1.290	1.360	1.920	2.330	2.320	2.800	2.240	2.360	2.820
? Weighted Average Shares Outstanding	13,460.605	13,530.293	14,172.196	15,261.794	15,311.113	15,216.749	15,241.957	14,955.756	14,706.141	14,284.401
? Weighted Average Shares Outstanding Diluted	13,585.110	13,651.804	14,357.782	15,432.120	15,437.111	15,280.325	15,353.445	15,022.755	14,737.870	14,396.021
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Balance Sheet

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Cash And Cash Equivalents	48,623	120,442	70,137	74,132	80,077	71,417	257,528	77,131	78,602	0
? Short Term Investments	507,582	530,083	558,329	560,479	600,799	543,974	973,314	934,923	0	114,120
? Cash And Short Term Investments	556,205	650,525	628,466	634,611	680,876	615,391	1,230,842	1,012,054	78,602	114,120
? Net Receivables	5,808	6,354	7,682	8,587	0	0	0	0	0	15,999
? Accounts Receivables										15,999
? Inventory	0	0	0	0	-89,106	-88,462	-268,867	-95,485	0	0
? Total Current Assets	1,252,910	1,454,751	1,707,412	1,889,757	689,105	631,465	1,242,088	1,030,408	78,602	130,119
? Property Plant Equipment Net	21,990	28,893	29,388	29,500	27,435	27,505	23,571	22,478	16,907	15,238
? Goodwill	6,908	8,268	27,357	27,357	27,357	27,357	27,357	27,357	27,357	27,357
? Intangible Assets	930	2,803	6,234	6,455	5,381	4,307	3,275	2,275	1,399	618
? Long Term Investments	513,799	530,083	558,329	560,479	600,799	543,974	973,314	1,271,804	0	991,288
? Total Non Current Assets	543,627	578,122	632,886	632,745	660,972	603,143	1,027,517	1,338,324	3,651,197	1,019,263
? Total Assets	1,796,537	2,032,873	2,340,298	2,522,502	2,593,819	3,220,742	3,371,014	3,608,590	3,729,799	3,614,271
? Account Payables	0	0	0	0	0	0	0	0	0	0
? Short Term Debt	0	65,000	21,900	0	0	0	0	219,000	360,500	12,535
? Deferred Revenue	0	0	0	0	0	0	0	0	0	0
? Total Current Liabilities	75,300	65,000	21,900	56,100	20,000	142,900	2,380,020	219,000	2,060,810	12,535
? Long Term Debt	32,928	34,410	34,588	34,767	34,945	35,124	84,443	84,695	84,964	0
? Deferred Revenue Non Current	0	-33,859	-39,736	-33,447	25,441	18,543	0	-6,978	0	0
? Deferred Tax Liabilities Non Current	0	9,839	8,404	7,535	9,504	16,581	0	6,978	0	0
? Total Non Current Liabilities	32,928	34,410	34,588	34,767	34,945	35,124	84,443	219,000	1,233,154.999	2,189,865
? Total Liabilities	1,606,197	1,826,995	2,084,356	2,249,478	2,284,534	2,876,846	84,443	3,305,008	3,391,702	3,256,969
? Treasury Stock										0
? Preferred Stock	0	0	0	0	113,179	0	0	0	0	0
? Common Stock	62,404	72,626	111,138	112,507	116,486	117,120	116,917	112,928	110,446	0
? Retained Earnings	122,701	132,180	144,197	164,117	186,867	208,371	234,410	243,082	259,050	0
? Additional Paid In Capital										0
? Total Stockholders Equity	190,340	205,878	255,942	273,024	309,285	343,896	362,494	303,582	338,097	3,631,052
? Total Equity	190,340	205,878	255,942	273,024	309,285	343,896	362,494	303,582	338,097	3,631,052
? Minority Interest	0	0	0	0	0	0	0	0	0	0
? Total Liabilities And Total Equity	1,796,537	2,032,873	2,340,298	2,522,502	2,593,819	3,220,742	3,371,014	3,608,590	3,729,799	3,614,271
? Total Investments	1,021,381	1,068,241	1,128,236	1,129,912	1,201,598	1,087,948	1,946,628	2,221,137	63,287	1,105,408
? Total Debt	30,928	34,410	34,588	34,767	34,945	35,124	84,443	304,535	445,464	12,535
? Net Debt	-17,695	-86,032	-35,549	-39,365	-45,132	-36,293	-173,085	227,404	366,862	12,535
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Cash Flow Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Net Income	18,067	17,567	19,539	29,677	35,961	35,444	43,012	33,659	34,844	40,560
? Depreciation And Amortization	2,272	2,856	3,538	4,194	4,062	4,099	4,269	3,536	3,232	3,105
? Deferred Income Tax	1,629	-6,219	-1,130	-308	-97	-2,611	85	-2,759	-2,343	4,028
? Stock Based Compensation	35	188	476	373	490	688	995	1,284	1,749	1,956
? Change In Working Capital	1,344	-3,629	12,862	-13,300	-1,978	-11,498	2,866	-15,404	11,601	0
? Accounts Receivables	1,219	-3,442	10,402	-6,106	-9,224	-488	6,435	-26,213	-20,525	0
? Inventory	0	0	0	0	0	0	0	0	0	0
? Accounts Payables	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Operating Activities	29,783	17,531	41,345	30,446	46,737	40,027	52,656	33,572	53,245	57,153
? Investments In Property Plant And Equipment	-2,530	-3,586	-2,141	-3,123	-783	-2,916	-371	-1,272	-1,415	0
? Acquisitions Net	-165,002	15,651	61,571	-6	-32,366	-697,305	474,015	0	20,079	0
? Purchases Of Investments	-136,459	-138,675	-182,595	-122,818	-190,168	-71,816	-578,574	-534,060	-204,153	-151,053
? Sales Maturities Of Investments	131,604	140,059	149,820	109,062	163,085	141,950	123,655	129,737	142,029.151	333,381
? Net Cash Provided By Investing Activities	0	0	0	0	0	0	0	0	0	141,227
? Net Debt Issuance	0	0	0	0	0	0	0	0	0	-150,500
? Long Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	-150,500
? Short Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	0
? Net Stock Issuance	0	0	0	0	0	0	0	0	0	-15,842
? Net Dividends Paid	-5,662	-6,506	-7,935	-9,757	-11,332	-12,207	-13,232	-13,919	-13,714	-13,634
? Common Dividends Paid										-13,634
? Preferred Dividends Paid	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Financing Activities	139,803	77,578	-39,311	161,737	12,498	578,565	112,835	267,027	31,916	-176,318
? Effect Of Forex Changes On Cash	0	0	0	0	0	0	0	0	0	0
? Net Change In Cash	-1,472	71,819	-50,305	3,995	5,945	-8,660	186,111	-180,397	1,471	22,062
? Cash At End Of Period	48,623	120,442	70,137	74,132	80,077	71,417	257,528	77,131	78,602	100,664
? Cash At Beginning Of Period	50,095	48,623	120,442	70,137	74,132	80,077	71,417	257,528	77,131	78,602
? Operating Cash Flow	29,783	17,531	41,345	30,446	46,737	40,027	52,656	33,572	53,245	57,153
? Capital Expenditure	-2,530	-3,586	-2,141	-3,123	-783	-2,916	-371	-1,272	-1,415	0
? Free Cash Flow	27,253	13,945	39,204	27,323	45,954	37,111	52,285	32,300	51,830	57,153
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Analyst Estimates

(* All numbers are in thousands)

Fiscal Year	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Estimated Revenue (Low)	95,565.445	113,634.811	119,493.396	129,051.355	136,591.712	137,361.918	144,894.544	150,233.655	153,916.688	159,457.184
Estimated Revenue (High)	97,926.455	116,442.237	122,445.562	132,239.657	139,966.304	139,298.691	145,405.455	153,066.344	156,433.311	165,392.815
Estimated Revenue (Avg)	96,638.200	114,910.400	120,834.750	130,500	138,125	138,375	145,150	151,650	155,175	162,425
Estimated Ebitda (Low)	32,004.875	42,382.254	49,155.401	36,471.641	46,896.539	48,086.274	52,894.900	60,889.511	62,382.240	64,627.796
Estimated Ebitda (High)	48,007.313	63,573.382	73,733.103	54,707.463	70,344.809	72,129.412	79,342.352	62,037.596	63,402.224	67,033.500
Estimated Ebitda (Avg)	40,006.094	52,977.818	61,444.252	45,589.552	58,620.674	60,107.843	66,118.626	61,463.554	62,892.232	65,830.648
Estimated Net Income (Low)	15,047.747	23,680.445	27,044.159	22,956.496	31,266.244	31,420.479	27,875.199	40,968.039	40,174.994	43,847.376
Estimated Net Income (High)	22,571.624	35,520.669	40,566.238	34,434.744	46,899.367	47,130.719	41,812.800	42,007.206	46,918.601	46,225.479
Estimated Net Income (Avg)	18,809.686	29,600.557	33,805.199	28,695.620	39,082.806	39,275.599	34,844	41,487.623	40,540	45,036.428
Estimated SGA Expense (Low)	32,444.382	39,403.158	38,126.034	31,643.611	36,779.263	44,996.036	49,495.637	55,181.295	56,534.085	58,569.126
Estimated SGA Expense (High)	48,666.574	59,104.738	57,189.052	47,465.416	55,168.895	67,494.057	74,243.461	56,221.751	57,458.448	60,749.302
Estimated SGA Expense (Avg)	40,555.478	49,253.948	47,657.544	39,554.514	45,974.079	56,245.047	61,869.549	55,701.523	56,996.267	59,659.215
Estimated EPS (Avg)	1.440	1.960	2.290	2.360	2.830	2.480	2.620	2.810	2.870	3.080
Estimated EPS (High)	1.470	1.990	2.330	2.400	2.880	2.500	2.640	2.850	3.180	3.140
Estimated EPS (Low)	1.420	1.930	2.260	2.320	2.790	2.460	2.600	2.780	2.730	2.980
Number of Analysts (Estimated Revenue)	16	8	1	1	2	1	3	2	3	3
Number of Analysts (Estimated EPS)	15	7	2	1	1	2	4	4	4	4

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Current Key Metrics

?	Revenue (TTM) :	200.397M	?	P/S (TTM) :	1.99
?	Net Income (TTM) :	40.56M	?	P/E (TTM) :	9.38
?	Enterprise Value (TTM) :	502.565M	?	EV/FCF (TTM) :	5.58
?	Dividend Yield (TTM) :	0.04	?	Payout Ratio (TTM) :	0.34
?	ROE (TTM) :	0.11	?	ROIC (TTM) :	0.05
?	Net Debt (TTM) :	218.165M	?	Debt/Equity (TTM) :	0.81
?	P/B (TTM) :	1.08	?	Current Ratio (TTM) :	0.21

Forward P/E Ratios

?

Forward P/E calculated based on:

Forward P/E 1Y	Forward P/E 2Y	Forward P/E 3Y	Forward P/E 4Y	Forward P/E 5Y
19.85	14.58	12.48	12.11	10.10

SWOT Analysis

No SWOT analysis available for this stock.

BSRR

0.96

6.09

5.5

0.18

-2.09

37.21

63.88

Trading Metrics:

Open:	28.8	Previous Close:	28.58
Day Low:	28.47	Day High:	29.16
Year Low:	20.32	Year High:	35.13
Price Avg 50:	27.09	Price Avg 200:	28.93
Volume:	16404	Average Volume:	35103

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17-02-2025 12:51

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BSRR

Sierra Bancorp

About The Company

Revenue Segmentation

EPS

Earnings Call

Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Current Key Metrics

Forward P/E Ratios

SWOT Analysis

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