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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 0.36
BSRR's Cash to Debt is ranked lower than
74% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. BSRR: 0.36 )
Ranked among companies with meaningful Cash to Debt only.
BSRR' s 10-Year Cash to Debt Range
Min: 0.16  Med: 0.85 Max: No Debt
Current: 0.36
Equity to Asset 0.11
BSRR's Equity to Asset is ranked higher than
59% of the 1323 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 10-Year Equity to Asset Range
Min: 0.06  Med: 0.08 Max: 0.13
Current: 0.11
0.06
0.13
Interest Coverage 7.66
BSRR's Interest Coverage is ranked higher than
88% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. BSRR: 7.66 )
Ranked among companies with meaningful Interest Coverage only.
BSRR' s 10-Year Interest Coverage Range
Min: 0.44  Med: 1.16 Max: 7.66
Current: 7.66
0.44
7.66
F-Score: 6
WACC vs ROIC
10.47%
7.71%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 30.52
BSRR's Operating margin (%) is ranked higher than
52% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. BSRR: 30.52 )
Ranked among companies with meaningful Operating margin (%) only.
BSRR' s 10-Year Operating margin (%) Range
Min: 9.63  Med: 28.71 Max: 44.75
Current: 30.52
9.63
44.75
Net-margin (%) 21.39
BSRR's Net-margin (%) is ranked lower than
51% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. BSRR: 21.39 )
Ranked among companies with meaningful Net-margin (%) only.
BSRR' s 10-Year Net-margin (%) Range
Min: 9.94  Med: 19.95 Max: 29.6
Current: 21.39
9.94
29.6
ROE (%) 8.14
BSRR's ROE (%) is ranked higher than
50% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. BSRR: 8.14 )
Ranked among companies with meaningful ROE (%) only.
BSRR' s 10-Year ROE (%) Range
Min: 4.74  Med: 14.90 Max: 22.69
Current: 8.14
4.74
22.69
ROA (%) 0.97
BSRR's ROA (%) is ranked higher than
60% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. BSRR: 0.97 )
Ranked among companies with meaningful ROA (%) only.
BSRR' s 10-Year ROA (%) Range
Min: 0.56  Med: 1.07 Max: 1.72
Current: 0.97
0.56
1.72
ROC (Joel Greenblatt) (%) 68.80
BSRR's ROC (Joel Greenblatt) (%) is ranked lower than
53% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. BSRR: 68.80 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
BSRR' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 13.12  Med: 61.13 Max: 144.64
Current: 68.8
13.12
144.64
EBITDA Growth (3Y)(%) 28.90
BSRR's EBITDA Growth (3Y)(%) is ranked higher than
87% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. BSRR: 28.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BSRR' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -38.4  Med: 11.85 Max: 28.9
Current: 28.9
-38.4
28.9
EPS Growth (3Y)(%) 25.20
BSRR's EPS Growth (3Y)(%) is ranked higher than
79% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. BSRR: 25.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BSRR' s 10-Year EPS Growth (3Y)(%) Range
Min: -34  Med: 15.20 Max: 25.2
Current: 25.2
-34
25.2
» BSRR's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

BSRR Guru Trades in Q2 2014

Jim Simons 18,400 sh (-24.14%)
» More
Q3 2014

BSRR Guru Trades in Q3 2014

Jim Simons 21,700 sh (+17.93%)
» More
Q4 2014

BSRR Guru Trades in Q4 2014

Jim Simons 15,600 sh (-28.11%)
» More
Q1 2015

BSRR Guru Trades in Q1 2015

Jim Simons 25,300 sh (+62.18%)
» 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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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.37
BSRR's P/E(ttm) is ranked lower than
60% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. BSRR: 15.37 )
Ranked among companies with meaningful P/E(ttm) only.
BSRR' s 10-Year P/E(ttm) Range
Min: 4.6  Med: 15.73 Max: 36.44
Current: 15.37
4.6
36.44
Forward P/E 18.69
BSRR's Forward P/E is ranked lower than
91% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. BSRR: 18.69 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.60
BSRR's PE(NRI) is ranked lower than
60% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. BSRR: 15.60 )
Ranked among companies with meaningful PE(NRI) only.
BSRR' s 10-Year PE(NRI) Range
Min: 4.59  Med: 15.72 Max: 35.95
Current: 15.6
4.59
35.95
P/B 1.21
BSRR's P/B is ranked lower than
60% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BSRR: 1.21 )
Ranked among companies with meaningful P/B only.
BSRR' s 10-Year P/B Range
Min: 0.57  Med: 1.24 Max: 3.75
Current: 1.21
0.57
3.75
P/S 3.27
BSRR's P/S is ranked lower than
57% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. BSRR: 3.27 )
Ranked among companies with meaningful P/S only.
BSRR' s 10-Year P/S Range
Min: 0.85  Med: 3.19 Max: 7.25
Current: 3.27
0.85
7.25
PFCF 11.87
BSRR's PFCF is ranked lower than
53% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. BSRR: 11.87 )
Ranked among companies with meaningful PFCF only.
BSRR' s 10-Year PFCF Range
Min: 2.29  Med: 6.72 Max: 32.42
Current: 11.87
2.29
32.42
POCF 10.93
BSRR's POCF is ranked lower than
57% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. BSRR: 10.93 )
Ranked among companies with meaningful POCF only.
BSRR' s 10-Year POCF Range
Min: 2.01  Med: 6.32 Max: 20.33
Current: 10.93
2.01
20.33
EV-to-EBIT 14.34
BSRR's EV-to-EBIT is ranked lower than
52% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. BSRR: 14.34 )
Ranked among companies with meaningful EV-to-EBIT only.
BSRR' s 10-Year EV-to-EBIT Range
Min: 8.3  Med: 15.10 Max: 785.8
Current: 14.34
8.3
785.8
PEG 1.79
BSRR's PEG is ranked lower than
68% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. BSRR: 1.79 )
Ranked among companies with meaningful PEG only.
BSRR' s 10-Year PEG Range
Min: 0.33  Med: 0.85 Max: 4.31
Current: 1.79
0.33
4.31
Shiller P/E 20.71
BSRR's Shiller P/E is ranked lower than
66% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. BSRR: 20.71 )
Ranked among companies with meaningful Shiller P/E only.
BSRR' s 10-Year Shiller P/E Range
Min: 3.93  Med: 13.92 Max: 26.68
Current: 20.71
3.93
26.68
Days Sales Outstanding 30.10
BSRR's Days Sales Outstanding is ranked higher than
56% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. BSRR: 30.10 )
Ranked among companies with meaningful Days Sales Outstanding only.
BSRR' s 10-Year Days Sales Outstanding Range
Min: 27.07  Med: 31.67 Max: 53.75
Current: 30.1
27.07
53.75

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.41
BSRR's Dividend Yield is ranked lower than
58% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. BSRR: 2.41 )
Ranked among companies with meaningful Dividend Yield only.
BSRR' s 10-Year Dividend Yield Range
Min: 1.36  Med: 2.12 Max: 10.74
Current: 2.41
1.36
10.74
Dividend Payout 0.33
BSRR's Dividend Payout is ranked higher than
50% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. BSRR: 0.33 )
Ranked among companies with meaningful Dividend Payout only.
BSRR' s 10-Year Dividend Payout Range
Min: 0.17  Med: 0.32 Max: 10
Current: 0.33
0.17
10
Dividend growth (3y) 12.30
BSRR's Dividend growth (3y) is ranked higher than
64% of the 657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. BSRR: 12.30 )
Ranked among companies with meaningful Dividend growth (3y) only.
BSRR' s 10-Year Dividend growth (3y) Range
Min: -29.3  Med: 10.00 Max: 27.1
Current: 12.3
-29.3
27.1
Yield on cost (5-Year) 2.22
BSRR's Yield on cost (5-Year) is ranked lower than
67% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. BSRR: 2.22 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BSRR' s 10-Year Yield on cost (5-Year) Range
Min: 1.25  Med: 1.96 Max: 9.91
Current: 2.22
1.25
9.91
Share Buyback Rate -0.10
BSRR's Share Buyback Rate is ranked higher than
75% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. BSRR: -0.10 )
Ranked among companies with meaningful Share Buyback Rate only.
BSRR' s 10-Year Share Buyback Rate Range
Min: 1.9  Med: -2.00 Max: -12.9
Current: -0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.26
BSRR's Price/Tangible Book is ranked lower than
57% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. BSRR: 1.26 )
Ranked among companies with meaningful Price/Tangible Book only.
BSRR' s 10-Year Price/Tangible Book Range
Min: 0.76  Med: 1.82 Max: 3.52
Current: 1.26
0.76
3.52
Price/Projected FCF 0.53
BSRR's Price/Projected FCF is ranked higher than
67% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. BSRR: 0.53 )
Ranked among companies with meaningful Price/Projected FCF only.
BSRR' s 10-Year Price/Projected FCF Range
Min: 0.26  Med: 0.53 Max: 1.56
Current: 0.53
0.26
1.56
Price/Median PS Value 1.03
BSRR's Price/Median PS Value is ranked higher than
58% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. BSRR: 1.03 )
Ranked among companies with meaningful Price/Median PS Value only.
BSRR' s 10-Year Price/Median PS Value Range
Min: 0.33  Med: 0.97 Max: 2.14
Current: 1.03
0.33
2.14
Price/Peter Lynch Fair Value 0.85
BSRR's Price/Peter Lynch Fair Value is ranked higher than
56% of the 358 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. BSRR: 0.85 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
BSRR' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.53  Med: 0.86 Max: 3.03
Current: 0.85
0.53
3.03
Price/Graham Number 0.91
BSRR's Price/Graham Number is ranked lower than
58% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. BSRR: 0.91 )
Ranked among companies with meaningful Price/Graham Number only.
BSRR' s 10-Year Price/Graham Number Range
Min: 0.55  Med: 1.01 Max: 1.61
Current: 0.91
0.55
1.61
Earnings Yield (Greenblatt) (%) 6.97
BSRR's Earnings Yield (Greenblatt) (%) is ranked higher than
52% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. BSRR: 6.97 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BSRR' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.1  Med: 6.60 Max: 12
Current: 6.97
0.1
12
Forward Rate of Return (Yacktman) (%) 30.55
BSRR's Forward Rate of Return (Yacktman) (%) is ranked higher than
78% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. BSRR: 30.55 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BSRR' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -9.5  Med: 20.60 Max: 46.2
Current: 30.55
-9.5
46.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » 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 

More From Other Websites
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SIERRA BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 20 2015
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SIERRA BANCORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 22 2015
SIERRA BANCORP Financials May 15 2015
10-Q for Sierra Bancorp May 10 2015
10-K for Sierra Bancorp May 06 2015
SIERRA BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 20 2015
Sierra Bancorp Reports Earnings Apr 20 2015
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Sierra Bancorp posts 1Q profit Apr 20 2015
Sierra Bancorp Reports Earnings Apr 20 2015
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Sierra Bancorp Declares Quarterly Cash Dividend Apr 17 2015

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