Sierra Bancorp logo BSRR - Sierra Bancorp

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 1
HOLD 8
SELL 0
STRONG
SELL
0
| PRICE TARGET: $44.00 DETAILS
HIGH: $44.00
LOW: $44.00
MEDIAN: $44.00
CONSENSUS: $44.00
UPSIDE: 15.21%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998
Revenue
Revenue 202.0 191.1 168.9 142.5 131.4 127.0 125.8 116.6 97.2 84.3 77.4 68.4 66.5 70.7 70.9 80.4 87.4 93.9 102.5 92.0 73.4 62.4 53.0 50.6 53.0 52.0 39.9 39.8
Cost of Revenue 52.8 57.1 54.4 22.8 0.4 14.0 16.1 13.6 4.1 3.3 2.6 3.1 7.6 18.5 17.7 24.3 33.8 40.8 34.7 29.0 16.5 12.0 10.0 12.4 17.2 21.4 13.8 15.2
Gross Profit 149.2 134.0 114.5 119.7 131.0 113.1 109.7 103.1 93.2 81.0 74.8 65.3 58.9 52.2 53.2 56.1 53.7 53.1 67.8 63.0 56.9 50.4 43.0 38.2 35.8 30.5 26.0 24.6
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 65.1 51.8 53.2 48.8 44.0 42.1 39.1 39.7 34.5 31.0 28.3 26.3 23.9 22.5 22.7 22.8 19.0 16.7 17.9 16.8 15.6 13.9 13.9 11.7 10.9 10.1 8.8 8.1
Other Expenses 27.7 28.4 14.8 26.0 29.9 24.5 22.9 23.7 25.5 23.6 19.4 17.5 18.6 21.9 22.2 26.1 25.2 19.2 18.1 17.1 17.0 16.0 14.4 14.5 14.4 12.2 8.8 8.4
Operating Expenses 92.8 80.2 68.0 74.8 73.8 66.5 61.9 63.5 60.0 54.6 47.7 43.8 42.5 44.4 44.9 49.0 44.1 35.9 36.0 33.8 32.6 29.9 28.3 26.2 25.3 22.3 17.6 16.5
Operating Income
Operating Income 56.4 53.9 46.5 44.9 57.2 46.5 47.7 39.6 33.2 26.4 27.1 21.4 16.5 7.8 8.3 7.1 9.5 17.3 31.8 29.2 24.3 20.5 14.7 11.9 10.5 8.2 8.4 8.1
Interest Expense 46.7 52.3 50.7 12.2 4.0 5.4 13.6 9.2 5.2 3.3 2.6 2.8 3.2 4.3 5.7 7.6 12.2 21.3 31.4 25.1 13.3 8.5 6.9 9.1 15.9 18.7 11.7 12.4
Interest Income 171.4 172.3 163.1 121.8 113.1 110.2 110.9 101.6 80.9 68.5 62.7 55.0 51.8 54.9 58.6 63.8 70.1 77.9 87.6 80.8 64.4 52.2 42.6 42.1 43.3 45.5 34.5 33.7
Profitability
EBITDA 56.4 56.7 49.7 48.5 61.5 50.6 51.8 43.8 36.7 29.2 29.5 23.5 18.6 10.3 11.0 10.0 12.6 20.3 35.2 33.3 28.7 24.9 18.0 14.3 13.0 10.2 10.0 9.9
EBIT 56.4 53.9 46.5 44.9 57.2 46.5 47.7 39.6 33.2 26.4 27.1 21.4 16.5 7.8 8.3 7.1 9.5 17.3 31.8 29.2 24.3 20.5 14.7 11.9 10.5 8.2 8.4 8.1
Income Before Tax 56.3 53.9 46.5 44.9 57.2 46.5 47.7 39.6 33.2 26.4 27.1 21.4 16.5 7.8 8.3 7.1 9.5 17.3 31.8 29.2 24.3 20.5 14.7 11.9 10.5 8.2 8.4 8.1
Income Tax Expense 14.0 13.3 11.6 11.3 14.2 11.1 11.8 9.9 13.6 8.8 9.1 6.2 3.1 (0.3) 0.6 (0.2) 0.6 3.9 10.8 10.0 8.1 7.2 4.4 3.1 3.6 2.7 2.8 2.9
Net Income 42.3 40.6 34.8 33.7 43.0 35.4 36.0 29.7 19.5 17.6 18.1 15.2 13.4 8.2 7.8 7.4 8.9 13.4 21.0 19.2 16.2 13.3 10.4 8.8 6.9 5.5 5.6 5.2
Per Share Data
EPS (Basic) 3.14 2.84 2.37 2.25 2.82 2.33 2.35 1.94 1.38 1.30 1.34 1.09 0.94 0.58 0.55 0.61 0.86 1.40 2.17 1.96 1.66 1.41 1.12 0.96 0.75 0.60 0.61 0.57
EPS (Diluted) 3.11 2.82 2.36 2.24 2.80 2.32 2.33 1.92 1.36 1.29 1.33 1.08 0.94 0.58 0.55 0.60 0.86 1.37 2.09 1.87 1.56 1.31 1.03 0.91 0.75 0.60 0.61 0.57
Shares Outstanding 13.5 14.3 14.7 15.0 15.2 15.2 15.3 15.3 14.2 13.5 13.5 14.0 14.2 14.1 14.0 12.1 10.3 9.6 9.7 9.8 9.8 9.5 9.3 9.2 9.2 9.1 9.2 9.1
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998
Current Assets
Cash & Cash Equivalents 135.6 100.7 78.6 77.1 257.5 71.4 80.1 74.1 70.1 120.4 66.2 46.0 36.7 53.0 55.8 40.0 44.7 31.4 24.5
Short-Term Investments 469.4 656.0 1,019.2 934.9 973.3 544.0 600.8 560.5 558.3 530.1 0 0 0 0 0 0 0 0 0
Net Receivables 14.2 16.0 20.3 18.4 11.2 16.1 8.2 8.6 7.7 6.4 0 0 0 0 0 3.8 4.9 2.5 2.4
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 619.2 772.6 1,118.2 1,030.4 1,242.1 631.5 689.1 643.2 636.1 656.9 66.2 46.0 36.7 53.0 55.8 43.8 49.6 33.9 26.9
Non-Current Assets
Property, Plant & Equipment 15.0 15.2 16.9 22.5 23.6 27.5 27.4 29.5 29.4 28.9 20.1 19.3 19.8 18.3 17.6 14.3 14.5 11.6 9.5
Goodwill 27.4 27.4 27.4 27.4 27.4 27.4 27.4 27.4 27.4 8.3 5.5 5.5 5.5 5.5 0 3.8 0 0 0
Intangible Assets 0.1 0.6 1.4 2.3 3.3 4.3 5.4 6.5 6.2 2.8 0 0 0 0 5.5 0 4.9 0 0
Long-Term Investments 3,024.1 2,666.9 2,430.7 2,406.0 1,988.6 2,447.5 1,762.4 1,733.7 1,563.1 1,263.8 1,138.4 1,173.6 884.2 687.1 589.6 573.1 528.9 407.3 354.7
Other Non-Current Assets 124.2 108.8 106.6 85.0 82.3 81.7 78.7 73.6 71.5 62.7 105.3 81.9 51.2 37.7 32.6 13.7 8.2 5.5 13
Total Non-Current Assets 3,210.1 2,841.6 2,611.6 2,578.2 2,128.9 2,589.3 1,904.7 1,879.3 1,704.2 1,376.0 1,269.3 1,280.3 960.7 748.6 645.3 606.6 557.2 424.5 377.2
Total Assets 3,829.3 3,614.3 3,729.8 3,608.6 3,371.0 3,220.7 2,593.8 2,522.5 2,340.3 2,032.9 1,335.5 1,326.3 997.5 801.7 701.1 650.4 606.7 458.4 404.1
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.4 0 0.6 0
Short-Term Debt 353.6 108.9 387.6 328.2 106.9 182.0 45.7 72.5 30.1 73.1 10 83.9 68.0 33.3 34.3 83.0 34.3 32.4 9.9
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 2,876.4 2,891.7 2,761.2 2,846.2 2,781.6 2,624.6 2,168.4 2,116.3 1,988.4 1,695.5 1,125.4 1,061.5 742.7 684.5 605.7 521.3 527.8 385.8 355.9
Total Current Liabilities 3,230.0 3,000.5 3,148.8 3,174.3 2,888.5 2,806.6 2,214.1 2,188.8 2,018.4 1,768.6 1,135.4 1,145.4 810.7 717.7 640.0 604.8 562.1 418.9 365.8
Non-Current Liabilities
Long-Term Debt 165.5 165.2 165.0 84.7 84.4 35.1 34.9 34.8 34.6 34.4 50.9 60.9 105.9 15.5 0 53.5 0 0 0
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 68.9 91.2 77.9 46.0 35.6 35.1 35.5 25.9 31.3 24.0 14.7 13.1 9.7 8.5 7.8 (54.1) 3.9 2.8 3.3
Total Non-Current Liabilities 234.4 256.4 242.9 130.7 120.0 70.2 70.4 60.7 65.9 58.4 65.6 74.1 115.7 24.0 7.8 (0.5) 3.9 2.8 3.3
Total Liabilities 3,464.4 3,257.0 3,391.7 3,305.0 3,008.5 2,876.8 2,284.5 2,249.5 2,084.4 1,827.0 1,201.1 1,219.5 926.3 741.7 647.8 604.3 565.9 421.7 369.1
Stockholders' Equity
Common Stock 103.4 109.0 110.4 112.9 113.0 113.4 113.2 112.5 111.1 72.6 0 0 8.8 4.5 2.8 2.3 2.3 2.3 0
Retained Earnings 280.0 275.1 259.1 243.1 234.4 208.4 186.9 164.1 144.2 132.2 89.1 83.7 62.1 54.1 48.6 42.7 37.4 34.1 30.5
Accumulated Other Comprehensive Income (23.2) (31.3) (36.0) (56.6) 11.2 18.4 5.9 (6.7) (2.3) (1.8) 2.7 1.0 0.2 1.3 1.9 1.2 1.1 0.3 0
Total Stockholders' Equity 364.9 357.3 338.1 303.6 362.5 343.9 309.3 273.0 255.9 205.9 134.5 106.8 71.1 60.0 53.3 46.1 40.8 36.7 35
Total Liabilities & Equity 3,829.3 3,614.3 3,729.8 3,608.6 3,371.0 3,220.7 2,593.8 2,522.5 2,340.3 2,032.9 1,335.5 1,326.3 997.5 801.7 701.1 650.4 606.7 458.4 404.1
Debt Metrics
Total Debt 519.1 274.1 552.6 412.9 191.4 217.2 80.7 107.2 64.6 107.5 60.9 144.8 173.9 48.7 34.3 136.6 34.3 32.4 9.9
Net Debt 383.4 173.4 474.0 335.7 (66.1) 145.7 0.6 33.1 (5.5) (12.9) (5.3) 98.8 137.2 (4.3) (21.5) 96.5 (10.4) 1.0 (14.6)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998
Operating Activities
Net Income 42.3 40.6 34.8 33.7 43.0 35.4 36.0 29.7 19.5 17.6 16.2 13.3 10.4 8.8 6.9 5.5 5.6 5.2
Depreciation & Amortization 0 2.9 3.2 3.5 4.3 4.1 4.1 4.2 3.5 2.9 4.5 4.4 3.3 2.4 2.5 2.0 1.6 1.8
Stock-Based Compensation 0 2.0 1.7 1.3 1.0 0.7 0.5 0.4 0.5 0.2 0 0 0 0 0 0 0 0
Change in Working Capital (21.3) 1.5 9.7 (18.5) 2.9 (11.5) (2.0) (13.3) 12.9 (5.0) 3.3 (8.1) 0.4 1.1 2.5 (1.9) (0.4) 1.5
Other Non-Cash Items 12.7 6.2 6.1 13.3 1.4 13.9 8.3 9.8 5.4 6.2 3.4 2.1 2.6 3.8 1.6 11.3 (1.3) 3.3
Operating Cash Flow 33.7 57.2 53.2 33.6 52.7 40.0 46.7 30.4 40.7 15.6 27.7 12.3 15.1 15.9 13.0 15.9 6.0 11
Investing Activities
Capital Expenditure (1.5) (1.2) (1.4) (1.3) (0.4) (2.9) (0.8) (3.1) (2.1) (3.6) (3.5) (4.7) (3.2) (5.3) (1.8) (2.6) (3.7) (3.6)
Acquisitions 0 0 0 0 0 0 0 (0.0) 61.6 15.7 0 0 0 0 0 0 0 0
Purchases of Investments 0 (151.1) (204.2) (534.1) (578.6) (71.8) (190.2) (122.8) (184.1) (138.7) (60.2) (169.6) (44.4) (21.4) (43.7) (31.4) (27.9) (41.2)
Sales/Maturities of Investments 0 531.9 142.0 129.7 123.7 141.9 163.1 109.1 149.8 140.1 60.7 49.2 41.9 29.2 60.6 34.2 25.5 14.7
Other Investing Activities (183.5) (238.5) (20.2) (75.4) 475.9 (694.5) (25.4) (171.3) (76.8) (34.8) (48.6) (84.7) (101.7) (43.0) (65.0) (64.1) (43.5) (15.7)
Investing Cash Flow (183.5) 141.2 (83.7) (481.0) 20.6 (627.3) (53.3) (188.2) (51.7) (21.3) (51.6) (209.8) (107.4) (40.5) (50.0) (63.9) (49.6) (45.8)
Financing Activities
Net Debt Issuance 12.7 (278.8) 136.5 94 6.2 22.9 (36.1) 34.2 (67.5) (14.8) (29.1) 125.2 13.9 (41.5) 26.5 1.8 22.5 0
Stock Repurchased (31.8) (15.8) (8.9) (5.2) (5.2) (2.6) (2.5) 0 0 (2.3) 0 0 0 0 0 0 0 0
Dividends Paid (13.7) (13.6) (13.7) (13.9) (13.2) (12.2) (11.3) (9.8) (7.9) (6.5) (4.4) (3.5) (3.3) (2.6) (1.7) (2.1) (2.0) (1.4)
Other Financing Activities 216.8 130.4 (82.0) 192.1 125.0 570.4 62.5 137.3 36.1 101.1 73.9 58.2 79.2 84.4 8.5 60.3 29.9 34
Financing Cash Flow 184.8 (176.3) 31.9 267.0 112.8 578.6 12.5 161.7 (39.3) 77.6 37.4 181.2 89.6 40.6 33.4 60.0 50.5 32.6
Cash Position
Net Change in Cash 35.0 22.1 1.5 (180.4) 186.1 (8.7) 5.9 4.0 (50.3) 71.8 13.4 (16.3) (2.8) 16.0 (3.6) 12.0 6.9 (2.3)
Cash at Beginning 100.7 78.6 77.1 257.5 71.4 80.1 74.1 70.1 120.4 48.6 36.7 53.0 55.8 39.8 43.4 31.4 24.5 26.8
Cash at End 135.6 100.7 78.6 77.1 257.5 71.4 80.1 74.1 70.1 120.4 50.1 36.7 53.0 55.8 39.8 43.4 31.4 24.5
Free Cash Flow 32.2 56.0 51.8 32.3 52.3 37.1 46.0 27.3 38.5 12.0 24.2 7.6 11.9 10.6 11.2 13.3 2.3 7.4
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998
Income Statement
Revenue 202.0 191.1 168.9 142.5 131.4 127.0 125.8 116.6 97.2 84.3 77.4 68.4 66.5 70.7 70.9 80.4 87.4 93.9 102.5 92.0 73.4 62.4 53.0 50.6 53.0 52.0 39.9 39.8
Gross Profit 149.2 134.0 114.5 119.7 131.0 113.1 109.7 103.1 93.2 81.0 74.8 65.3 58.9 52.2 53.2 56.1 53.7 53.1 67.8 63.0 56.9 50.4 43.0 38.2 35.8 30.5 26.0 24.6
Operating Income 56.4 53.9 46.5 44.9 57.2 46.5 47.7 39.6 33.2 26.4 27.1 21.4 16.5 7.8 8.3 7.1 9.5 17.3 31.8 29.2 24.3 20.5 14.7 11.9 10.5 8.2 8.4 8.1
Net Income 42.3 40.6 34.8 33.7 43.0 35.4 36.0 29.7 19.5 17.6 18.1 15.2 13.4 8.2 7.8 7.4 8.9 13.4 21.0 19.2 16.2 13.3 10.4 8.8 6.9 5.5 5.6 5.2
EPS (Diluted) 3.11 2.82 2.36 2.24 2.80 2.32 2.33 1.92 1.36 1.29 1.33 1.08 0.94 0.58 0.55 0.60 0.86 1.37 2.09 1.87 1.56 1.31 1.03 0.91 0.75 0.60 0.61 0.57
Balance Sheet
Cash & Equivalents 135.6 100.7 78.6 77.1 257.5 71.4 80.1 74.1 70.1 120.4 66.2 46.0 36.7 53.0 55.8 40.0 44.7 31.4 24.5
Total Assets 3,829.3 3,614.3 3,729.8 3,608.6 3,371.0 3,220.7 2,593.8 2,522.5 2,340.3 2,032.9 1,335.5 1,326.3 997.5 801.7 701.1 650.4 606.7 458.4 404.1
Total Debt 519.1 274.1 552.6 412.9 191.4 217.2 80.7 107.2 64.6 107.5 60.9 144.8 173.9 48.7 34.3 136.6 34.3 32.4 9.9
Stockholders' Equity 364.9 357.3 338.1 303.6 362.5 343.9 309.3 273.0 255.9 205.9 134.5 106.8 71.1 60.0 53.3 46.1 40.8 36.7 35
Cash Flow
Operating Cash Flow 33.7 57.2 53.2 33.6 52.7 40.0 46.7 30.4 40.7 15.6 27.7 12.3 15.1 15.9 13.0 15.9 6.0 11
Capital Expenditure (1.5) (1.2) (1.4) (1.3) (0.4) (2.9) (0.8) (3.1) (2.1) (3.6) (3.5) (4.7) (3.2) (5.3) (1.8) (2.6) (3.7) (3.6)
Free Cash Flow 32.2 56.0 51.8 32.3 52.3 37.1 46.0 27.3 38.5 12.0 24.2 7.6 11.9 10.6 11.2 13.3 2.3 7.4