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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.62
NAS:BSRR's Cash to Debt is ranked lower than
70% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.02 vs. NAS:BSRR: 0.62 )
Ranked among companies with meaningful Cash to Debt only.
NAS:BSRR' s Cash to Debt Range Over the Past 10 Years
Min: 0.16  Med: 0.81 Max: No Debt
Current: 0.62
Equity to Asset 0.11
NAS:BSRR's Equity to Asset is ranked higher than
59% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:BSRR: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
NAS:BSRR' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.13
Current: 0.11
0.06
0.13
Interest Coverage 8.70
NAS:BSRR's Interest Coverage is ranked higher than
89% of the 1751 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. NAS:BSRR: 8.70 )
Ranked among companies with meaningful Interest Coverage only.
NAS:BSRR' s Interest Coverage Range Over the Past 10 Years
Min: 0.78  Med: 1.32 Max: 10.51
Current: 8.7
0.78
10.51
F-Score: 4
M-Score: -2.39
WACC vs ROIC
2.97%
7.34%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 31.94
NAS:BSRR's Operating margin (%) is ranked higher than
53% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.82 vs. NAS:BSRR: 31.94 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:BSRR' s Operating margin (%) Range Over the Past 10 Years
Min: 9.63  Med: 24.44 Max: 44.75
Current: 31.94
9.63
44.75
Net-margin (%) 21.35
NAS:BSRR's Net-margin (%) is ranked lower than
53% of the 1670 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.17 vs. NAS:BSRR: 21.35 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:BSRR' s Net-margin (%) Range Over the Past 10 Years
Min: 9.94  Med: 19.43 Max: 29.6
Current: 21.35
9.94
29.6
ROE (%) 8.90
NAS:BSRR's ROE (%) is ranked higher than
54% of the 1670 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. NAS:BSRR: 8.90 )
Ranked among companies with meaningful ROE (%) only.
NAS:BSRR' s ROE (%) Range Over the Past 10 Years
Min: 4.74  Med: 7.9 Max: 22.69
Current: 8.9
4.74
22.69
ROA (%) 0.96
NAS:BSRR's ROA (%) is ranked higher than
56% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. NAS:BSRR: 0.96 )
Ranked among companies with meaningful ROA (%) only.
NAS:BSRR' s ROA (%) Range Over the Past 10 Years
Min: 0.56  Med: 0.97 Max: 1.72
Current: 0.96
0.56
1.72
Revenue Growth (3Y)(%) 5.60
NAS:BSRR's Revenue Growth (3Y)(%) is ranked higher than
63% of the 1368 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. NAS:BSRR: 5.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:BSRR' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -13.4  Med: 8 Max: 12.4
Current: 5.6
-13.4
12.4
EBITDA Growth (3Y)(%) 43.80
NAS:BSRR's EBITDA Growth (3Y)(%) is ranked higher than
94% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. NAS:BSRR: 43.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:BSRR' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -38.3  Med: 12.8 Max: 43.8
Current: 43.8
-38.3
43.8
EPS Growth (3Y)(%) 31.90
NAS:BSRR's EPS Growth (3Y)(%) is ranked higher than
87% of the 1227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. NAS:BSRR: 31.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:BSRR' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -34  Med: 16.1 Max: 31.9
Current: 31.9
-34
31.9
» NAS:BSRR's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q4 2015

BSRR Guru Trades in Q4 2015

Jim Simons 93,100 sh (-4.84%)
» More
Q1 2016

BSRR Guru Trades in Q1 2016

Jim Simons 121,400 sh (+30.40%)
» More
Q2 2016

BSRR Guru Trades in Q2 2016

Jim Simons 148,800 sh (+22.57%)
» More
Q3 2016

BSRR Guru Trades in Q3 2016

Jim Simons 160,100 sh (+7.59%)
» More
» Details

Insider Trades

Latest Guru Trades with BSRR

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:CZNC, NAS:MCBC, NAS:FNLC, NAS:ANCX, NAS:CNBKA, NAS:FMNB, NAS:ATLO, NAS:CCBG, NAS:PFIS, NAS:CARO, NAS:COB, NAS:OSBC, NAS:MBVT, NAS:AMNB, NAS:FFKT, AMEX:BHB, NAS:SMMF, NAS:FBNK, NAS:HEOP, NAS:CCNE » details
Sierra Bancorp is a bank holding company. It offers retail and commercial banking services primarily in Tulare, Kern, Fresno, and Kings Counties in Central California, & in Southern California. it is engaged in lending money & accepting deposits business.

Sierra Bancorp was incorporated in November 2000 as a California corporation. It is a bank holding company. The Company through its banking subsidiary acts as California state-chartered bank. It offers retail and commercial banking services in Tulare, Kern, Fresno, and Kings Counties in Central California, and, in Southern California, in the rich agricultural corridor stretching from Santa Paula to Santa Clarita. The Company's products and services are related to the business of lending money and accepting deposits. The Company's products and services are related to the business of lending money and accepting deposits. Its real estate loans are secured by commercial, professional office, and agricultural properties which are predominantly owner occupied, and also offer a complete line of construction loans for residential and commercial development, permanent mortgage loans, land acquisition and development loans, and multifamily credit facilities. Secondary market services for residential mortgage loans are provided through the Bank's affiliations with Freddie Mac, Fannie Mae and certain non-governmental institutions. In addition to loans it also offers deposit products for individuals and businesses including checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. The Bank operates twenty-eight full service branch offices, an online branch, a real estate industries group, an agricultural credit division, and an SBA lending unit. It maintains a diversified loan portfolio comprised of agricultural, commercial, consumer, real estate construction and mortgage loans. Loans are made within the market area of the South Central San Joaquin Valley of California, specifically, Tulare, Fresno, Kern, Kings, and Madera counties. It also has ATMs at all branch locations and offsite ATMs at six different non-branch locations. It attracts deposits throughout its market area with direct-mail campaigns, a customer-oriented product mix, competitive pricing, convenient locations, drive-through banking, and a multitude of alternative delivery channels. The competitors include Wells Fargo, Bank of America, JPMorgan Chase, and Union Bank as well as a number of other banks operating within the Bank's geographic footprint. As a state chartered bank, the Bank is subject to broad federal regulation and oversight extending to all its operations by the FDIC and to state regulation by the California Department of Business Oversight.

Ratios

vs
industry
vs
history
P/E(ttm) 17.78
BSRR's P/E(ttm) is ranked lower than
68% of the 2008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. BSRR: 17.78 )
Ranked among companies with meaningful P/E(ttm) only.
BSRR' s P/E(ttm) Range Over the Past 10 Years
Min: 4.62  Med: 15.29 Max: 36.94
Current: 17.78
4.62
36.94
Forward P/E 15.97
BSRR's Forward P/E is ranked lower than
65% of the 561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.92 vs. BSRR: 15.97 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.78
BSRR's PE(NRI) is ranked lower than
65% of the 1604 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.85 vs. BSRR: 17.78 )
Ranked among companies with meaningful PE(NRI) only.
BSRR' s PE(NRI) Range Over the Past 10 Years
Min: 4.62  Med: 15.29 Max: 36.94
Current: 17.78
4.62
36.94
Price/Owner Earnings (ttm) 16.01
BSRR's Price/Owner Earnings (ttm) is ranked lower than
56% of the 909 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.74 vs. BSRR: 16.01 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
BSRR' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.71  Med: 13 Max: 49.53
Current: 16.01
5.71
49.53
P/B 1.56
BSRR's P/B is ranked lower than
70% of the 1990 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. BSRR: 1.56 )
Ranked among companies with meaningful P/B only.
BSRR' s P/B Range Over the Past 10 Years
Min: 0.57  Med: 1.21 Max: 3.74
Current: 1.56
0.57
3.74
P/S 3.84
BSRR's P/S is ranked lower than
61% of the 2055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. BSRR: 3.84 )
Ranked among companies with meaningful P/S only.
BSRR' s P/S Range Over the Past 10 Years
Min: 0.85  Med: 2.98 Max: 7.27
Current: 3.84
0.85
7.27
PFCF 11.65
BSRR's PFCF is ranked lower than
52% of the 982 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.99 vs. BSRR: 11.65 )
Ranked among companies with meaningful PFCF only.
BSRR' s PFCF Range Over the Past 10 Years
Min: 2.29  Med: 6.78 Max: 18.86
Current: 11.65
2.29
18.86
POCF 10.43
BSRR's POCF is ranked lower than
52% of the 1130 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.66 vs. BSRR: 10.43 )
Ranked among companies with meaningful POCF only.
BSRR' s POCF Range Over the Past 10 Years
Min: 2  Med: 6.33 Max: 14.24
Current: 10.43
2
14.24
EV-to-EBIT 13.66
BSRR's EV-to-EBIT is ranked lower than
59% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.02 vs. BSRR: 13.66 )
Ranked among companies with meaningful EV-to-EBIT only.
BSRR' s EV-to-EBIT Range Over the Past 10 Years
Min: 8.3  Med: 14.5 Max: 785.8
Current: 13.66
8.3
785.8
EV-to-EBITDA 12.54
BSRR's EV-to-EBITDA is ranked lower than
59% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.08 vs. BSRR: 12.54 )
Ranked among companies with meaningful EV-to-EBITDA only.
BSRR' s EV-to-EBITDA Range Over the Past 10 Years
Min: 6.8  Med: 12.1 Max: 62.5
Current: 12.54
6.8
62.5
PEG 0.71
BSRR's PEG is ranked higher than
70% of the 748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. BSRR: 0.71 )
Ranked among companies with meaningful PEG only.
BSRR' s PEG Range Over the Past 10 Years
Min: 0.39  Med: 0.84 Max: 159.1
Current: 0.71
0.39
159.1
Shiller P/E 19.59
BSRR's Shiller P/E is ranked higher than
54% of the 510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.87 vs. BSRR: 19.59 )
Ranked among companies with meaningful Shiller P/E only.
BSRR' s Shiller P/E Range Over the Past 10 Years
Min: 5.37  Med: 9.9 Max: 20.07
Current: 19.59
5.37
20.07

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.09
BSRR's Dividend Yield is ranked lower than
63% of the 2321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.78 vs. BSRR: 2.09 )
Ranked among companies with meaningful Dividend Yield only.
BSRR' s Dividend Yield Range Over the Past 10 Years
Min: 1.36  Med: 2.25 Max: 10.74
Current: 2.09
1.36
10.74
Dividend Payout 0.36
BSRR's Dividend Payout is ranked lower than
56% of the 1305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. BSRR: 0.36 )
Ranked among companies with meaningful Dividend Payout only.
BSRR' s Dividend Payout Range Over the Past 10 Years
Min: 0.17  Med: 0.32 Max: 10
Current: 0.36
0.17
10
Dividend Growth (3y) 20.50
BSRR's Dividend Growth (3y) is ranked higher than
74% of the 738 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.90 vs. BSRR: 20.50 )
Ranked among companies with meaningful Dividend Growth (3y) only.
BSRR' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -29.3  Med: 11.6 Max: 27.1
Current: 20.5
-29.3
27.1
Forward Dividend Yield 2.05
BSRR's Forward Dividend Yield is ranked lower than
67% of the 2260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. BSRR: 2.05 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.67
BSRR's Yield on cost (5-Year) is ranked higher than
54% of the 2628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.46 vs. BSRR: 3.67 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BSRR' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.39  Med: 3.95 Max: 18.84
Current: 3.67
2.39
18.84
3-Year Average Share Buyback Ratio 2.10
BSRR's 3-Year Average Share Buyback Ratio is ranked higher than
91% of the 1057 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. BSRR: 2.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BSRR' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -13.4  Med: -0.6 Max: 2.1
Current: 2.1
-13.4
2.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.61
BSRR's Price/Tangible Book is ranked lower than
68% of the 2002 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. BSRR: 1.61 )
Ranked among companies with meaningful Price/Tangible Book only.
BSRR' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.76  Med: 1.53 Max: 3.51
Current: 1.61
0.76
3.51
Price/Projected FCF 0.53
BSRR's Price/Projected FCF is ranked higher than
72% of the 1125 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. BSRR: 0.53 )
Ranked among companies with meaningful Price/Projected FCF only.
BSRR' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.24  Med: 0.5 Max: 1.79
Current: 0.53
0.24
1.79
Price/Median PS Value 1.28
BSRR's Price/Median PS Value is ranked lower than
70% of the 1898 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. BSRR: 1.28 )
Ranked among companies with meaningful Price/Median PS Value only.
BSRR' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.34  Med: 1.04 Max: 2.3
Current: 1.28
0.34
2.3
Price/Peter Lynch Fair Value 0.71
BSRR's Price/Peter Lynch Fair Value is ranked higher than
75% of the 511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BSRR: 0.71 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
BSRR' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.5  Med: 0.78 Max: 3.03
Current: 0.71
0.5
3.03
Price/Graham Number 1.13
BSRR's Price/Graham Number is ranked lower than
65% of the 1743 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. BSRR: 1.13 )
Ranked among companies with meaningful Price/Graham Number only.
BSRR' s Price/Graham Number Range Over the Past 10 Years
Min: 0.57  Med: 0.98 Max: 1.65
Current: 1.13
0.57
1.65
Earnings Yield (Greenblatt) (%) 7.30
BSRR's Earnings Yield (Greenblatt) (%) is ranked higher than
57% of the 2188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. BSRR: 7.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BSRR' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 6.9 Max: 12
Current: 7.3
0.1
12
Forward Rate of Return (Yacktman) (%) 38.54
BSRR's Forward Rate of Return (Yacktman) (%) is ranked higher than
88% of the 879 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.55 vs. BSRR: 38.54 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BSRR' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -9.7  Med: 20.5 Max: 44.8
Current: 38.54
-9.7
44.8

More Statistics

Revenue (TTM) (Mil) $81.58
EPS (TTM) $ 1.29
Beta0.11
Short Percentage of Float1.13%
52-Week Range $15.61 - 23.48
Shares Outstanding (Mil)13.79

Analyst Estimate

Dec16 Dec17
Revenue (Mil $) 85 92
EPS ($) 1.22 1.47
EPS w/o NRI ($) 1.22 1.47
EPS Growth Rate
(3Y to 5Y Estimate)
8.00%
Dividends Per Share ($)
» More Articles for NAS:BSRR

Headlines

Articles On GuruFocus.com
Sierra Bancorp Reports Operating Results (10-K) Mar 11 2011 
Sierra Bancorp Reports Operating Results (10-Q) Nov 08 2010 
Sierra Bancorp Reports Operating Results (10-Q) Aug 09 2010 
Sierra Bancorp Reports Operating Results (10-Q) Nov 09 2009 
Sierra Bancorp Reports Operating Results (10-Q) Aug 07 2009 

More From Other Websites
SIERRA BANCORP Financials Nov 16 2016
ETF’s with exposure to Sierra Bancorp : October 31, 2016 Oct 31 2016
Sierra Bancorp :BSRR-US: Earnings Analysis: Q3, 2016 By the Numbers : October 25, 2016 Oct 25 2016
SIERRA BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 24 2016
Sierra Bancorp Reports Earnings Oct 24 2016
Sierra Bancorp posts 3Q profit Oct 24 2016
Sierra Bancorp posts 3Q profit Oct 24 2016
Sierra Bancorp Reports Earnings Oct 24 2016
Sierra Bancorp Declares Quarterly Cash Dividend Oct 21 2016
Sierra Bancorp Declares Quarterly Cash Dividend Oct 21 2016
Bank of the Sierra Announces New Branch in Pismo Beach, CA Oct 20 2016
Sierra Bancorp : BSRR-US: Dividend Analysis : August 04th, 2016 (record date) : By the numbers :... Oct 12 2016
SIERRA BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Sep 30 2016
Sierra Bancorp Announces Stock Repurchase Plan Sep 30 2016
Sierra Bancorp Announces Stock Repurchase Plan Sep 30 2016
SIERRA BANCORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial Statements... Aug 19 2016
Sierra Bancorp Complements Board of Directors With Three New Additions Aug 19 2016
Sierra Bancorp Complements Board of Directors With Three New Additions Aug 19 2016
Sierra Bancorp :BSRR-US: Earnings Analysis: Q2, 2016 By the Numbers : August 5, 2016 Aug 05 2016
SIERRA BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 25 2016

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