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Sierra Bancorp (BSRR)
NASDAQ:BSRR
US Market

Sierra Bancorp (BSRR) AI Stock Analysis

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Sierra Bancorp

(NASDAQ:BSRR)

62Neutral
Sierra Bancorp's stock reflects a mix of strong financial health and undervaluation, countered by weak technical momentum. The company's profitability and low leverage are key strengths, while missing revenue data and declining assets pose challenges. Despite attractive valuation, bearish technical indicators suggest caution.

Sierra Bancorp (BSRR) vs. S&P 500 (SPY)

Sierra Bancorp Business Overview & Revenue Model

Company DescriptionSierra Bancorp (BSRR) is a bank holding company headquartered in Porterville, California. It operates through its principal subsidiary, Bank of the Sierra, which provides a wide range of banking services to individuals and businesses in the Central Valley and surrounding areas. The bank's offerings include personal and business banking, commercial lending, agricultural loans, and mortgage services, alongside various deposit products and financial services.
How the Company Makes MoneySierra Bancorp primarily generates revenue through interest income from its lending activities, which include commercial, agricultural, and consumer loans. The bank also earns income from service charges on deposit accounts, fees for other banking services, and income from securities and investments. Additionally, it benefits from partnerships and relationships with community businesses and agricultural enterprises, which help drive its loan and deposit growth. The bank's local focus and community engagement play a significant role in its ability to maintain a stable customer base and generate consistent revenue.

Sierra Bancorp Financial Statement Overview

Summary
Sierra Bancorp's financials reflect strong profitability and a solid equity base, with significant improvements in leverage. However, the absence of reported revenue in 2024 limits comprehensive income analysis, and declining assets suggest potential constraints on expansion.
Income Statement
60
Neutral
The income statement shows moderate performance. The net profit margin improved to 29.16% in 2024 from 25.05% in 2023, indicating profitability improvements. However, total revenue reported as zero in 2024 affects the ability to calculate certain metrics like gross profit margin and revenue growth rate, which limits the analysis.
Balance Sheet
72
Positive
The balance sheet displays a robust equity position with a high equity ratio of 109.05% in 2024. The debt-to-equity ratio improved significantly to 0.03, indicating low leverage. However, total assets decreased over the year, which might affect future growth potential.
Cash Flow
65
Positive
Cash flow statements indicate a healthy operating cash flow to net income ratio of 1.41 in 2024, showing strong cash generation relative to net income. The free cash flow growth rate appears positive, but free cash flow reported as zero complicates precise calculations.
Breakdown
Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
138.82M139.12M130.09M127.56M130.99M
Gross Profit
138.82M139.12M130.09M127.56M130.99M
EBIT
-109.07M46.46M57.12M57.20M46.52M
EBITDA
0.0049.70M48.45M61.47M50.62M
Net Income Common Stockholders
40.56M34.84M33.66M43.01M35.44M
Balance SheetCash, Cash Equivalents and Short-Term Investments
114.12M78.60M1.01B1.23B615.39M
Total Assets
3.61B3.73B3.61B3.37B3.22B
Total Debt
12.54M445.46M304.54M84.44M35.12M
Net Debt
12.54M366.86M227.40M-173.09M-36.29M
Total Liabilities
3.26B3.39B3.31B84.44M2.88B
Stockholders Equity
3.63B338.10M303.58M362.49M343.90M
Cash FlowFree Cash Flow
57.15M51.83M32.30M52.28M37.11M
Operating Cash Flow
57.15M53.24M33.57M52.66M40.03M
Investing Cash Flow
141.23M-102.82M-481.00M20.62M-627.25M
Financing Cash Flow
-176.32M31.92M267.03M112.83M578.57M

Sierra Bancorp Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price26.46
Price Trends
50DMA
28.24
Negative
100DMA
29.05
Negative
200DMA
28.66
Negative
Market Momentum
MACD
-0.74
Negative
RSI
48.13
Neutral
STOCH
77.48
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BSRR, the sentiment is Neutral. The current price of 26.46 is above the 20-day moving average (MA) of 26.26, below the 50-day MA of 28.24, and below the 200-day MA of 28.66, indicating a neutral trend. The MACD of -0.74 indicates Negative momentum. The RSI at 48.13 is Neutral, neither overbought nor oversold. The STOCH value of 77.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for BSRR.

Sierra Bancorp Risk Analysis

Sierra Bancorp disclosed 10 risk factors in its most recent earnings report. Sierra Bancorp reported the most risks in the “Finance & Corporate” category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Sierra Bancorp Peers Comparison

Overall Rating
UnderperformOutperform
Sector (63)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
79
Outperform
$354.34M14.2012.11%1.41%32.79%48.96%
78
Outperform
$383.00M10.499.85%2.39%11.26%-8.61%
75
Outperform
$338.44M7.6022.26%2.60%1.20%46.86%
BWBWB
65
Neutral
$355.44M13.127.43%10.11%-18.78%
64
Neutral
$348.91M10.4010.98%0.79%12.88%2.03%
63
Neutral
$12.06B9.318.10%79.51%12.80%-4.67%
62
Neutral
$365.93M9.3911.67%3.75%5.69%19.91%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
BSRR
Sierra Bancorp
26.46
6.30
31.25%
HBCP
Home Bancorp
49.48
13.85
38.87%
BWB
Bridgewater Bancshares
13.51
1.42
11.75%
BSVN
Bank7
35.74
9.44
35.89%
RRBI
Red River Bancshares
51.31
4.75
10.20%
USCB
USCB Financial Holdings, Inc. Class A
18.12
7.88
76.95%

Sierra Bancorp Corporate Events

Other
Sierra Bancorp Executives to Attend Piper Sandler Forum
Neutral
Mar 11, 2025

Sierra Bancorp announced that its President and CEO, Kevin J. McPhaill, and CFO, Christopher G. Treece, will attend the Piper Sandler Bank Forum in Marina del Ray, California, on March 11, 2025. They will meet with current and prospective investors, potentially impacting the company’s investor relations and market positioning.

Business Operations and Strategy
Sierra Bancorp Executives to Attend Janney CEO Forum
Neutral
Jan 29, 2025

Sierra Bancorp’s President and CEO, Kevin J. McPhaill, along with Executive VP and CFO Christopher G. Treece, are set to participate in the Janney West Coast CEO Forum in Scottsdale, Arizona, scheduled for January 29-30, 2025. They will engage with current and potential investors, sharing insights through presentations available on the company’s website, aiming to strengthen investor relations and explore new opportunities.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.