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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 : 7/10

vs
industry
vs
history
Cash to Debt 1.26
BSRR's Cash to Debt is ranked higher than
76% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. BSRR: 1.26 )
BSRR' s 10-Year Cash to Debt Range
Min: 0.16   Max: No Debt
Current: 1.26

Equity to Asset 0.13
BSRR's Equity to Asset is ranked higher than
88% of the 1739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. BSRR: 0.13 )
BSRR' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.13
Current: 0.13

0.06
0.13
Interest Coverage 5.11
BSRR's Interest Coverage is ranked higher than
91% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. BSRR: 5.11 )
BSRR' s 10-Year Interest Coverage Range
Min: 0.44   Max: 5.11
Current: 5.11

0.44
5.11
F-Score: 6
Z-Score: 0.31
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 : 5/10

vs
industry
vs
history
Operating margin (%) 29.58
BSRR's Operating margin (%) is ranked higher than
76% of the 1765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.49 vs. BSRR: 29.58 )
BSRR' s 10-Year Operating margin (%) Range
Min: 9.63   Max: 44.75
Current: 29.58

9.63
44.75
Net-margin (%) 23.05
BSRR's Net-margin (%) is ranked higher than
78% of the 1772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.32 vs. BSRR: 23.05 )
BSRR' s 10-Year Net-margin (%) Range
Min: 9.94   Max: 29.6
Current: 23.05

9.94
29.6
ROE (%) 8.43
BSRR's ROE (%) is ranked higher than
76% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.43 vs. BSRR: 8.43 )
BSRR' s 10-Year ROE (%) Range
Min: 4.74   Max: 22.69
Current: 8.43

4.74
22.69
ROA (%) 1.07
BSRR's ROA (%) is ranked higher than
85% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. BSRR: 1.07 )
BSRR' s 10-Year ROA (%) Range
Min: 0.56   Max: 1.72
Current: 1.07

0.56
1.72
ROC (Joel Greenblatt) (%) 94.43
BSRR's ROC (Joel Greenblatt) (%) is ranked higher than
80% of the 1746 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.81 vs. BSRR: 94.43 )
BSRR' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 13.12   Max: 144.64
Current: 94.43

13.12
144.64
Revenue Growth (%) -8.90
BSRR's Revenue Growth (%) is ranked higher than
58% of the 1528 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. BSRR: -8.90 )
BSRR' s 10-Year Revenue Growth (%) Range
Min: -13.4   Max: 12.4
Current: -8.9

-13.4
12.4
EBITDA Growth (%) 16.60
BSRR's EBITDA Growth (%) is ranked higher than
85% of the 1376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. BSRR: 16.60 )
BSRR' s 10-Year EBITDA Growth (%) Range
Min: -38.4   Max: 23.5
Current: 16.6

-38.4
23.5
EPS Growth (%) 16.10
BSRR's EPS Growth (%) is ranked higher than
83% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. BSRR: 16.10 )
BSRR' s 10-Year EPS Growth (%) Range
Min: -34   Max: 22
Current: 16.1

-34
22
» BSRR's 10-Y Financials

Financials


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

» Details

Guru Trades

BSRR Guru Trades in

Q2 2012

BSRR Guru Trades in Q2 2012

Jim Simons Sold Out
» More
Q1 2014

BSRR Guru Trades in Q1 2014

Jim Simons 24,256 sh (New)
» More
Q2 2014

BSRR Guru Trades in Q2 2014

Jim Simons 18,400 sh (-24.14%)
» 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%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 16.10
BSRR's P/E(ttm) is ranked higher than
71% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.00 vs. BSRR: 16.10 )
BSRR' s 10-Year P/E(ttm) Range
Min: 4.6   Max: 36.44
Current: 16.1

4.6
36.44
P/B 1.28
BSRR's P/B is ranked higher than
66% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. BSRR: 1.28 )
BSRR' s 10-Year P/B Range
Min: 0.57   Max: 3.78
Current: 1.28

0.57
3.78
P/S 3.67
BSRR's P/S is ranked higher than
65% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. BSRR: 3.67 )
BSRR' s 10-Year P/S Range
Min: 0.85   Max: 7.25
Current: 3.67

0.85
7.25
PFCF 7.36
BSRR's PFCF is ranked higher than
88% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 227.00 vs. BSRR: 7.36 )
BSRR' s 10-Year PFCF Range
Min: 2.29   Max: 32.42
Current: 7.36

2.29
32.42
EV-to-EBIT 11.52
BSRR's EV-to-EBIT is ranked higher than
87% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.15 vs. BSRR: 11.52 )
BSRR' s 10-Year EV-to-EBIT Range
Min: 8.3   Max: 785.8
Current: 11.52

8.3
785.8
PEG 53.33
BSRR's PEG is ranked higher than
79% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. BSRR: 53.33 )
BSRR' s 10-Year PEG Range
Min: 0.42   Max: 3.11
Current: 53.33

0.42
3.11
Shiller P/E 21.48
BSRR's Shiller P/E is ranked higher than
80% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.31 vs. BSRR: 21.48 )
BSRR' s 10-Year Shiller P/E Range
Min: 3.91   Max: 27.54
Current: 21.48

3.91
27.54

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.90
BSRR's Dividend Yield is ranked lower than
60% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.39 vs. BSRR: 1.90 )
BSRR' s 10-Year Dividend Yield Range
Min: 1.36   Max: 10.74
Current: 1.9

1.36
10.74
Dividend Payout 0.28
BSRR's Dividend Payout is ranked higher than
77% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.47 vs. BSRR: 0.28 )
BSRR' s 10-Year Dividend Payout Range
Min: 0.17   Max: 10
Current: 0.28

0.17
10
Dividend growth (3y) 2.70
BSRR's Dividend growth (3y) is ranked higher than
73% of the 1033 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. BSRR: 2.70 )
BSRR' s 10-Year Dividend growth (3y) Range
Min: -29.3   Max: 27.1
Current: 2.7

-29.3
27.1
Yield on cost (5-Year) 1.23
BSRR's Yield on cost (5-Year) is ranked lower than
75% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. BSRR: 1.23 )
BSRR' s 10-Year Yield on cost (5-Year) Range
Min: 0.88   Max: 6.96
Current: 1.23

0.88
6.96
Share Buyback Rate -5.40
BSRR's Share Buyback Rate is ranked higher than
64% of the 1304 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. BSRR: -5.40 )
BSRR' s 10-Year Share Buyback Rate Range
Min: 1.9   Max: -12.9
Current: -5.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.33
BSRR's Price/Tangible Book is ranked higher than
70% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. BSRR: 1.33 )
BSRR' s 10-Year Price/Tangible Book Range
Min: 0.76   Max: 3.52
Current: 1.33

0.76
3.52
Price/DCF (Projected) 0.54
BSRR's Price/DCF (Projected) is ranked higher than
84% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. BSRR: 0.54 )
BSRR' s 10-Year Price/DCF (Projected) Range
Min: 0.26   Max: 1.58
Current: 0.54

0.26
1.58
Price/Median PS Value 1.16
BSRR's Price/Median PS Value is ranked higher than
69% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. BSRR: 1.16 )
BSRR' s 10-Year Price/Median PS Value Range
Min: 0.33   Max: 2.19
Current: 1.16

0.33
2.19
Price/Peter Lynch Fair Value 1.42
BSRR's Price/Peter Lynch Fair Value is ranked higher than
88% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. BSRR: 1.42 )
BSRR' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.47   Max: 3.03
Current: 1.42

0.47
3.03
Price/Graham Number 0.96
BSRR's Price/Graham Number is ranked higher than
75% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. BSRR: 0.96 )
BSRR' s 10-Year Price/Graham Number Range
Min: 0.55   Max: 1.61
Current: 0.96

0.55
1.61
Earnings Yield (Greenblatt) 8.70
BSRR's Earnings Yield (Greenblatt) is ranked higher than
83% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. BSRR: 8.70 )
BSRR' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 12
Current: 8.7

0.1
12
Forward Rate of Return (Yacktman) 23.28
BSRR's Forward Rate of Return (Yacktman) is ranked higher than
82% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.57 vs. BSRR: 23.28 )
BSRR' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -9.8   Max: 45.8
Current: 23.28

-9.8
45.8

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Sierra Bancorp is a bank holding company, which through its bank, Bank of the Sierra offers retail and commercial banking services in the central and southern sections of California's San Joaquin Valley. The Company was formed to serve as the holding company for Bank of the Sierra and has been the Bank's sole shareholder since August 2001. Its chief products and services are related to the business of lending money and accepting deposits. The Bank's lending activities include real estate, commercial (including small business), agricultural, and consumer loans. The Company currently operates 25 full service branch offices throughout its geographic footprint, as well as an internet branch which provides the ability to open deposit accounts online. Additionally, Sierra Bancorp offers an array of deposit products for retail and business banking markets including checking accounts, interest-bearing transaction accounts, savings accounts, time deposits, retirement accounts, sweep accounts, and remote deposit capture. The Company offers a multitude of other products and services to complement its lending and deposit services. The Bank's deposit accounts are insured by the Federal Deposit Insurance Corporation (FDIC) up to maximum insurable amounts. Sierra Bancorp is subject to federal and state laws and regulations.
» 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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