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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 1.42
BSRR's Cash to Debt is ranked lower than
56% of the 1162 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. BSRR: 1.42 )
Ranked among companies with meaningful Cash to Debt only.
BSRR' s Cash to Debt Range Over the Past 10 Years
Min: 0.16  Med: 0.82 Max: No Debt
Current: 1.42
Equity to Asset 0.11
BSRR's Equity to Asset is ranked higher than
60% of the 1660 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: 0.06  Med: 0.08 Max: 0.13
Current: 0.11
0.06
0.13
Interest Coverage 10.50
BSRR's Interest Coverage is ranked higher than
91% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. BSRR: 10.50 )
Ranked among companies with meaningful Interest Coverage only.
BSRR' s Interest Coverage Range Over the Past 10 Years
Min: 0.78  Med: 1.32 Max: 7.66
Current: 10.5
0.78
7.66
F-Score: 6
M-Score: -2.44
WACC vs ROIC
5.73%
8.35%
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 (%) 35.57
BSRR's Operating margin (%) is ranked higher than
61% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.23 vs. BSRR: 35.57 )
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: 35.57
9.63
44.75
Net-margin (%) 23.33
BSRR's Net-margin (%) is ranked higher than
53% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.64 vs. BSRR: 23.33 )
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: 23.33
9.94
29.6
ROE (%) 9.70
BSRR's ROE (%) is ranked higher than
59% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.42 vs. BSRR: 9.70 )
Ranked among companies with meaningful ROE (%) only.
BSRR' s ROE (%) Range Over the Past 10 Years
Min: 4.74  Med: 7.90 Max: 22.69
Current: 9.7
4.74
22.69
ROA (%) 1.05
BSRR's ROA (%) is ranked higher than
61% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. BSRR: 1.05 )
Ranked among companies with meaningful ROA (%) only.
BSRR' s ROA (%) Range Over the Past 10 Years
Min: 0.56  Med: 0.97 Max: 1.72
Current: 1.05
0.56
1.72
Revenue Growth (3Y)(%) 0.10
BSRR's Revenue Growth (3Y)(%) is ranked higher than
63% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. BSRR: 0.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BSRR' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -13.5  Med: 7.50 Max: 12.4
Current: 0.1
-13.5
12.4
EBITDA Growth (3Y)(%) 28.50
BSRR's EBITDA Growth (3Y)(%) is ranked higher than
93% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. BSRR: 28.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BSRR' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -38.3  Med: 11.85 Max: 28.5
Current: 28.5
-38.3
28.5
EPS Growth (3Y)(%) 25.00
BSRR's EPS Growth (3Y)(%) is ranked higher than
85% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. BSRR: 25.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BSRR' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -33.9  Med: 15.00 Max: 25
Current: 25
-33.9
25
» BSRR's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-20)


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

» Details

Guru Trades

Q1 2015

BSRR Guru Trades in Q1 2015

Jim Simons 25,300 sh (+62.18%)
» More
Q2 2015

BSRR Guru Trades in Q2 2015

Jim Simons 87,795 sh (+247.02%)
» More
Q3 2015

BSRR Guru Trades in Q3 2015

Jim Simons 97,834 sh (+11.43%)
» More
Q4 2015

BSRR Guru Trades in Q4 2015

Jim Simons 93,100 sh (-4.84%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 12.30
BSRR's P/E(ttm) is ranked lower than
52% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. BSRR: 12.30 )
Ranked among companies with meaningful P/E(ttm) only.
BSRR' s P/E(ttm) Range Over the Past 10 Years
Min: 4.6  Med: 15.51 Max: 36.44
Current: 12.3
4.6
36.44
PE(NRI) 12.30
BSRR's PE(NRI) is ranked lower than
52% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. BSRR: 12.30 )
Ranked among companies with meaningful PE(NRI) only.
BSRR' s PE(NRI) Range Over the Past 10 Years
Min: 4.59  Med: 15.50 Max: 35.95
Current: 12.3
4.59
35.95
Price/Owner Earnings (ttm) 10.35
BSRR's Price/Owner Earnings (ttm) is ranked higher than
57% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. BSRR: 10.35 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
BSRR' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.72  Med: 12.82 Max: 30.27
Current: 10.35
5.72
30.27
P/B 1.14
BSRR's P/B is ranked lower than
64% of the 1642 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. BSRR: 1.14 )
Ranked among companies with meaningful P/B only.
BSRR' s P/B Range Over the Past 10 Years
Min: 0.57  Med: 1.23 Max: 3.74
Current: 1.14
0.57
3.74
P/S 2.93
BSRR's P/S is ranked lower than
53% of the 1637 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. BSRR: 2.93 )
Ranked among companies with meaningful P/S only.
BSRR' s P/S Range Over the Past 10 Years
Min: 0.85  Med: 3.03 Max: 7.27
Current: 2.93
0.85
7.27
PFCF 8.32
BSRR's PFCF is ranked higher than
61% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. BSRR: 8.32 )
Ranked among companies with meaningful PFCF only.
BSRR' s PFCF Range Over the Past 10 Years
Min: 2.29  Med: 6.98 Max: 76.51
Current: 8.32
2.29
76.51
POCF 7.65
BSRR's POCF is ranked higher than
57% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. BSRR: 7.65 )
Ranked among companies with meaningful POCF only.
BSRR' s POCF Range Over the Past 10 Years
Min: 2  Med: 6.57 Max: 53.99
Current: 7.65
2
53.99
EV-to-EBIT 10.37
BSRR's EV-to-EBIT is ranked higher than
61% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. BSRR: 10.37 )
Ranked among companies with meaningful EV-to-EBIT only.
BSRR' s EV-to-EBIT Range Over the Past 10 Years
Min: 8.3  Med: 14.80 Max: 785.8
Current: 10.37
8.3
785.8
EV-to-EBITDA 9.58
BSRR's EV-to-EBITDA is ranked higher than
60% of the 1507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. BSRR: 9.58 )
Ranked among companies with meaningful EV-to-EBITDA only.
BSRR' s EV-to-EBITDA Range Over the Past 10 Years
Min: 6.8  Med: 12.30 Max: 62.5
Current: 9.58
6.8
62.5
PEG 1.45
BSRR's PEG is ranked higher than
77% of the 724 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. BSRR: 1.45 )
Ranked among companies with meaningful PEG only.
BSRR' s PEG Range Over the Past 10 Years
Min: 0.44  Med: 0.86 Max: 159.1
Current: 1.45
0.44
159.1
Shiller P/E 13.69
BSRR's Shiller P/E is ranked higher than
65% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.22 vs. BSRR: 13.69 )
Ranked among companies with meaningful Shiller P/E only.
BSRR' s Shiller P/E Range Over the Past 10 Years
Min: 5.41  Med: 9.53 Max: 15.92
Current: 13.69
5.41
15.92

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.74
BSRR's Dividend Yield is ranked lower than
60% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. BSRR: 2.74 )
Ranked among companies with meaningful Dividend Yield only.
BSRR' s Dividend Yield Range Over the Past 10 Years
Min: 1.36  Med: 2.19 Max: 10.74
Current: 2.74
1.36
10.74
Dividend Payout 0.32
BSRR's Dividend Payout is ranked higher than
53% of the 1273 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. BSRR: 0.32 )
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: 0.32
0.17
10
Dividend Growth (3y) 12.30
BSRR's Dividend Growth (3y) is ranked higher than
74% of the 742 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. BSRR: 12.30 )
Ranked among companies with meaningful Dividend Growth (3y) only.
BSRR' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -29.3  Med: 10.00 Max: 27.1
Current: 12.3
-29.3
27.1
Forward Dividend Yield 2.88
BSRR's Forward Dividend Yield is ranked lower than
59% of the 1965 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.74 vs. BSRR: 2.88 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.54
BSRR's Yield on cost (5-Year) is ranked higher than
62% of the 2495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. BSRR: 2.54 )
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: 1.25  Med: 2.02 Max: 9.91
Current: 2.54
1.25
9.91
3-Year Average Share Buyback Ratio -0.10
BSRR's 3-Year Average Share Buyback Ratio is ranked higher than
89% of the 1112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. BSRR: -0.10 )
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: -12.9  Med: -2.00 Max: 1.9
Current: -0.1
-12.9
1.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.14
BSRR's Price/Tangible Book is ranked lower than
57% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. BSRR: 1.14 )
Ranked among companies with meaningful Price/Tangible Book only.
BSRR' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.76  Med: 1.61 Max: 3.51
Current: 1.14
0.76
3.51
Price/Projected FCF 0.43
BSRR's Price/Projected FCF is ranked higher than
73% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. BSRR: 0.43 )
Ranked among companies with meaningful Price/Projected FCF only.
BSRR' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.26  Med: 0.52 Max: 1.96
Current: 0.43
0.26
1.96
Price/Median PS Value 0.96
BSRR's Price/Median PS Value is ranked lower than
51% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. BSRR: 0.96 )
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: 0.98 Max: 2.26
Current: 0.96
0.34
2.26
Price/Peter Lynch Fair Value 0.50
BSRR's Price/Peter Lynch Fair Value is ranked higher than
76% of the 438 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. BSRR: 0.50 )
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: 0.53  Med: 0.93 Max: 3.03
Current: 0.5
0.53
3.03
Price/Graham Number 0.79
BSRR's Price/Graham Number is ranked lower than
54% of the 1461 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. BSRR: 0.79 )
Ranked among companies with meaningful Price/Graham Number only.
BSRR' s Price/Graham Number Range Over the Past 10 Years
Min: 0.57  Med: 0.99 Max: 1.65
Current: 0.79
0.57
1.65
Earnings Yield (Greenblatt) (%) 9.62
BSRR's Earnings Yield (Greenblatt) (%) is ranked higher than
66% of the 1644 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. BSRR: 9.62 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BSRR' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 6.80 Max: 12
Current: 9.62
0.1
12
Forward Rate of Return (Yacktman) (%) 41.07
BSRR's Forward Rate of Return (Yacktman) (%) is ranked higher than
88% of the 843 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.13 vs. BSRR: 41.07 )
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: -9.4  Med: 18.10 Max: 41.6
Current: 41.07
-9.4
41.6

More Statistics

Revenue(Mil) $79
EPS $ 1.36
Beta0.54
Short Percentage of Float1.96%
52-Week Range $15.50 - 21.70
Shares Outstanding(Mil)13.27

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:METR, NYSE:BNK, NAS:MBWM, NAS:PEBO, NYSE:OFG, NAS:PSTB » details
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 primarily 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 primarily 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.
» More Articles for 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 

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