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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 2.69
BSRR's Cash-to-Debt is ranked lower than
60% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. BSRR: 2.69 )
Ranked among companies with meaningful Cash-to-Debt only.
BSRR' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.16  Med: 0.91 Max: No Debt
Current: 2.69
Equity-to-Asset 0.11
BSRR's Equity-to-Asset is ranked higher than
50% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BSRR: 0.11 )
Ranked among companies with meaningful Equity-to-Asset only.
BSRR' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.13
Current: 0.11
0.07
0.13
Interest Coverage 7.31
BSRR's Interest Coverage is ranked higher than
88% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. BSRR: 7.31 )
Ranked among companies with meaningful Interest Coverage only.
BSRR' s Interest Coverage Range Over the Past 10 Years
Min: 0.78  Med: 1.64 Max: 10.51
Current: 7.31
0.78
10.51
Beneish M-Score: -2.36
WACC vs ROIC
4.57%
8.52%
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 % 30.55
BSRR's Operating Margin % is ranked lower than
51% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. BSRR: 30.55 )
Ranked among companies with meaningful Operating Margin % only.
BSRR' s Operating Margin % Range Over the Past 10 Years
Min: 9.63  Med: 24.44 Max: 44.75
Current: 30.55
9.63
44.75
Net Margin % 20.84
BSRR's Net Margin % is ranked lower than
57% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. BSRR: 20.84 )
Ranked among companies with meaningful Net Margin % only.
BSRR' s Net Margin % Range Over the Past 10 Years
Min: 9.94  Med: 19.43 Max: 29.6
Current: 20.84
9.94
29.6
ROE % 8.89
BSRR's ROE % is ranked higher than
52% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. BSRR: 8.89 )
Ranked among companies with meaningful ROE % only.
BSRR' s ROE % Range Over the Past 10 Years
Min: 4.74  Med: 7.9 Max: 22.15
Current: 8.89
4.74
22.15
ROA % 0.94
BSRR's ROA % is ranked higher than
52% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. BSRR: 0.94 )
Ranked among companies with meaningful ROA % only.
BSRR' s ROA % Range Over the Past 10 Years
Min: 0.56  Med: 0.93 Max: 1.72
Current: 0.94
0.56
1.72
3-Year Revenue Growth Rate 10.40
BSRR's 3-Year Revenue Growth Rate is ranked higher than
76% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. BSRR: 10.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
BSRR' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -13.4  Med: 8.3 Max: 12.4
Current: 10.4
-13.4
12.4
3-Year EBITDA Growth Rate 18.00
BSRR's 3-Year EBITDA Growth Rate is ranked higher than
78% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. BSRR: 18.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
BSRR' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -38.3  Med: 14.65 Max: 44
Current: 18
-38.3
44
3-Year EPS without NRI Growth Rate 11.10
BSRR's 3-Year EPS without NRI Growth Rate is ranked higher than
61% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. BSRR: 11.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
BSRR' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -34  Med: 15.2 Max: 31.9
Current: 11.1
-34
31.9
GuruFocus has detected 2 Warning Signs with Sierra Bancorp $BSRR.
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» BSRR's 10-Y Financials

Financials (Next Earnings Date: 2017-07-25 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q4 2016

BSRR Guru Trades in Q4 2016

Jim Simons 149,695 sh (-6.50%)
» More
» Details

Insider Trades

Latest Guru Trades with BSRR

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:MBVT, NAS:CCBG, NAS:OSBC, NAS:TBBK, NAS:PFIS, NAS:AMNB, NAS:WFBI, NAS:CCNE, NAS:MCBC, NAS:WNEB, NAS:WTBA, NAS:FFKT, NAS:CNBKA, NAS:FMNB, NAS:BMRC, NAS:ANCX, NAS:OLBK, NAS:PBNC, NAS:EQBK, NAS:NKSH » details
Headquarter Location:USA
Sierra Bancorp is a bank holding company. It offers retail and commercial banking services in Tulare, Kern, Fresno, and Kings Counties in Central California, and in select markets in Southern California including Ventura County and Santa Clarita Valley.

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
PE Ratio 19.14
BSRR's PE Ratio is ranked lower than
77% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. BSRR: 19.14 )
Ranked among companies with meaningful PE Ratio only.
BSRR' s PE Ratio Range Over the Past 10 Years
Min: 4.62  Med: 15.39 Max: 36.94
Current: 19.14
4.62
36.94
Forward PE Ratio 16.84
BSRR's Forward PE Ratio is ranked lower than
82% of the 839 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.93 vs. BSRR: 16.84 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 19.14
BSRR's PE Ratio without NRI is ranked lower than
77% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. BSRR: 19.14 )
Ranked among companies with meaningful PE Ratio without NRI only.
BSRR' s PE Ratio without NRI Range Over the Past 10 Years
Min: 4.62  Med: 15.39 Max: 36.94
Current: 19.14
4.62
36.94
Price-to-Owner-Earnings 41.71
BSRR's Price-to-Owner-Earnings is ranked lower than
93% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. BSRR: 41.71 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
BSRR' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.71  Med: 13.25 Max: 49.53
Current: 41.71
5.71
49.53
PB Ratio 1.65
BSRR's PB Ratio is ranked lower than
80% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. BSRR: 1.65 )
Ranked among companies with meaningful PB Ratio only.
BSRR' s PB Ratio Range Over the Past 10 Years
Min: 0.57  Med: 1.21 Max: 3.74
Current: 1.65
0.57
3.74
PS Ratio 4.04
BSRR's PS Ratio is ranked lower than
68% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. BSRR: 4.04 )
Ranked among companies with meaningful PS Ratio only.
BSRR' s PS Ratio Range Over the Past 10 Years
Min: 0.85  Med: 2.97 Max: 7.27
Current: 4.04
0.85
7.27
Price-to-Free-Cash-Flow 24.41
BSRR's Price-to-Free-Cash-Flow is ranked lower than
87% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. BSRR: 24.41 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
BSRR' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.29  Med: 6.79 Max: 27.96
Current: 24.41
2.29
27.96
Price-to-Operating-Cash-Flow 19.40
BSRR's Price-to-Operating-Cash-Flow is ranked lower than
85% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. BSRR: 19.40 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
BSRR' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2  Med: 6.33 Max: 22.23
Current: 19.4
2
22.23
EV-to-EBIT 12.28
BSRR's EV-to-EBIT is ranked lower than
53% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. BSRR: 12.28 )
Ranked among companies with meaningful EV-to-EBIT only.
BSRR' s EV-to-EBIT Range Over the Past 10 Years
Min: 8.3  Med: 14.4 Max: 785.8
Current: 12.28
8.3
785.8
EV-to-EBITDA 11.32
BSRR's EV-to-EBITDA is ranked lower than
53% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. BSRR: 11.32 )
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 Max: 62.5
Current: 11.32
6.8
62.5
PEG Ratio 0.70
BSRR's PEG Ratio is ranked higher than
72% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. BSRR: 0.70 )
Ranked among companies with meaningful PEG Ratio only.
BSRR' s PEG Ratio Range Over the Past 10 Years
Min: 0.39  Med: 0.85 Max: 159.1
Current: 0.7
0.39
159.1
Shiller PE Ratio 21.54
BSRR's Shiller PE Ratio is ranked lower than
57% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. BSRR: 21.54 )
Ranked among companies with meaningful Shiller PE Ratio only.
BSRR' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.37  Med: 10.98 Max: 24.76
Current: 21.54
5.37
24.76

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.99
BSRR's Dividend Yield % is ranked lower than
70% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. BSRR: 1.99 )
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: 1.99
1.36
10.74
Dividend Payout Ratio 0.37
BSRR's Dividend Payout Ratio is ranked lower than
57% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. BSRR: 0.37 )
Ranked among companies with meaningful Dividend Payout Ratio only.
BSRR' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.28  Med: 0.39 Max: 0.5
Current: 0.37
0.28
0.5
3-Year Dividend Growth Rate 22.70
BSRR's 3-Year Dividend Growth Rate is ranked higher than
79% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. BSRR: 22.70 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
BSRR' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -29.3  Med: 11.95 Max: 27.1
Current: 22.7
-29.3
27.1
Forward Dividend Yield % 2.23
BSRR's Forward Dividend Yield % is ranked lower than
70% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. BSRR: 2.23 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.29
BSRR's 5-Year Yield-on-Cost % is ranked higher than
58% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. BSRR: 4.29 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
BSRR' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.94  Med: 4.87 Max: 23.25
Current: 4.29
2.94
23.25
3-Year Average Share Buyback Ratio 1.00
BSRR's 3-Year Average Share Buyback Ratio is ranked higher than
86% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. BSRR: 1.00 )
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: -0.5 Max: 2.1
Current: 1
-13.4
2.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.65
BSRR's Price-to-Tangible-Book is ranked lower than
75% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. BSRR: 1.65 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
BSRR' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.76  Med: 1.88 Max: 3.36
Current: 1.65
0.76
3.36
Price-to-Intrinsic-Value-Projected-FCF 0.59
BSRR's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
65% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. BSRR: 0.59 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
BSRR' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.24  Med: 0.56 Max: 1.45
Current: 0.59
0.24
1.45
Price-to-Median-PS-Value 1.36
BSRR's Price-to-Median-PS-Value is ranked lower than
79% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. BSRR: 1.36 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
BSRR' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.34  Med: 1 Max: 2.03
Current: 1.36
0.34
2.03
Price-to-Peter-Lynch-Fair-Value 0.77
BSRR's Price-to-Peter-Lynch-Fair-Value is ranked higher than
67% of the 426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. BSRR: 0.77 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
BSRR' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.53  Med: 1.03 Max: 1.81
Current: 0.77
0.53
1.81
Price-to-Graham-Number 1.24
BSRR's Price-to-Graham-Number is ranked lower than
77% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. BSRR: 1.24 )
Ranked among companies with meaningful Price-to-Graham-Number only.
BSRR' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.63  Med: 0.99 Max: 1.62
Current: 1.24
0.63
1.62
Earnings Yield (Greenblatt) % 8.14
BSRR's Earnings Yield (Greenblatt) % is ranked higher than
59% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. BSRR: 8.14 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
BSRR' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.1  Med: 6.95 Max: 12
Current: 8.14
0.1
12
Forward Rate of Return (Yacktman) % 37.38
BSRR's Forward Rate of Return (Yacktman) % is ranked higher than
87% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. BSRR: 37.38 )
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: 21.2 Max: 44.8
Current: 37.38
-9.7
44.8

More Statistics

Revenue (TTM) (Mil) $86.79
EPS (TTM) $ 1.31
Beta0.50
Short Percentage of Float1.04%
52-Week Range $15.61 - 29.50
Shares Outstanding (Mil)13.83

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 93 99
EPS ($) 1.51 1.66
EPS without NRI ($) 1.51 1.66
EPS Growth Rate
(Future 3Y To 5Y Estimate)
8.00%
Dividends per Share ($)
» More Articles for BSRR

Headlines

Articles On GuruFocus.com
Sierra Bancorp Announces Agreement to Acquire OCB Bancorp of Ventura County Apr 24 2017 
Sierra Bancorp Declares Quarterly Cash Dividend Apr 21 2017 
8 Stocks Trading Below the Peter Lynch Value Feb 22 2017 
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 Announces Agreement to Acquire OCB Bancorp of Ventura County Apr 24 2017
Sierra Bancorp posts 1Q profit Apr 24 2017
/C O R R E C T I O N -- Sierra Bancorp/ Apr 24 2017
Sierra Bancorp Declares Quarterly Cash Dividend Apr 21 2017
Bank of the Sierra Opens New Bakersfield Branch on California Ave Mar 20 2017
Bank of the Sierra Completes Downtown Paso Robles Relocation Mar 06 2017
ETFs with exposure to Sierra Bancorp : January 25, 2017 Jan 25 2017
Sierra Bancorp :BSRR-US: Earnings Analysis: Q4, 2016 By the Numbers : January 24, 2017 Jan 24 2017
Sierra Bancorp Reports Earnings Jan 23 2017
How Risky Is Sierra Bancorp? Dec 30 2016
Sierra Bancorp : BSRR-US: Dividend Analysis : November 03rd, 2016 (record date) : By the numbers :... Dec 30 2016
Understanding Sierra Bancorp in 3 Charts Dec 05 2016
Sierra Bancorp :BSRR-US: Earnings Analysis: Q3, 2016 By the Numbers : October 25, 2016 Oct 25 2016
Bank of the Sierra Announces New Branch in Pismo Beach, CA Oct 20 2016

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