BSRR (Sierra Bancorp) Accounts Receivable : $16.0 Mil (As of Dec. 2024)

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What is Sierra Bancorp Accounts Receivable?

Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Sierra Bancorp's accounts receivables for the quarter that ended in Dec. 2024 was $16.0 Mil.

Accounts receivable can be measured by Days Sales Outstanding. Sierra Bancorp's Days Sales Outstanding for the quarter that ended in Dec. 2024 was 45.82.

In Ben Graham's calculation of Net-Net Working Capital, accounts receivable are only considered to be worth 75% of book value. Sierra Bancorp's Net-Net Working Capital per share for the quarter that ended in Dec. 2024 was $-174.95.

Sierra Bancorp Accounts Receivable Historical Data

The historical data trend for Sierra Bancorp's Accounts Receivable can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Sierra Bancorp Accounts Receivable Chart

Sierra Bancorp Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Accounts Receivable

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16.07

11.25

18.35

20.35

16.00

Sierra Bancorp Quarterly Data
	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24
Accounts Receivable	Get a 7-Day Free Trial															20.35	-	-	-	16.00

Sierra Bancorp Accounts Receivable Calculation

Accounts Receivable is money owed to a business by customers and shown on its Balance Sheet as an asset.

Sierra Bancorp Accounts Receivable Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's accounts receivables are being managed.

Sierra Bancorp's Days Sales Outstanding for the quarter that ended in Dec. 2024 is calculated as:

	Days Sales Outstanding
=	Accounts Receivable	/	Revenue	*	Days in Period
=	15.999	/	31.862	*	91
=	45.82

2. In Ben Graham's calculation of Net-Net Working Capital (NNWC), Sierra Bancorp's accounts receivable are only considered to be worth 75% of book value:

Sierra Bancorp's Net-Net Working Capital Per Share for the quarter that ended in Dec. 2024 is calculated as:

	Net-Net Working Capital Per Share
=	(Cash And Cash Equivalents	+	0.75 * Accounts Receivable	+	0.5 * Total Inventories	-	Total Liabilities
-	Preferred Stock	-	Minority Interest)	/	Shares Outstanding (EOP)
=	(756.631	+	0.75 * 15.999	+	0.5 * 0	-	3256.969
-	0	-	0)	/	14.223
=	-174.95

Be Aware

Net receivables tells us a great deal about the different competitors in the same industry. In competitive industries, some attempt to gain advantage by offering better credit terms, causing increase in sales and receivables.

If company consistently shows lower % Net receivables to gross sales than competitors, then it usually has some kind of competitive advantage which requires further digging.

Average Days Sales Outstanding is a good indicator for measuring a company's sales channel and customers. A company may book great revenue and earnings growth but never receive payment from their customers. This may force a write-off in the future and depress future earnings.

Sierra Bancorp Accounts Receivable Related Terms

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Sierra Bancorp Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Sierra Bancorp (NAS:BSRR) » Definitions » Accounts Receivable

Comparable Companies

Traded in Other Exchanges

N/A

Address

86 North Main Street, P.O. Box 1930, Porterville, CA, USA, 93257

Website

https://www.sierrabancorp.com

Sierra Bancorp is a California-based bank holding company, which offers a range of retail and commercial banking services. it offers a wide range of deposit products and services for individuals and businesses including checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. The company's lending activities cover real estate, commercial (including small business), mortgage warehouse, agricultural, and consumer loans, and also offers commercial construction loans and multifamily and agricultural credit facilities among other types of real estate loans.

Executives

Michele M Gil	director	86 NORTH MAIN STREET, PORTERVILLE CA 93257
Michael Olague	officer: EVP/Chief Banking Officer	86 N MAIN STREET, PORTERVILLE CA 93257
Julie G Castle	director	86 NORTH MAIN STREET, PORTERVILLE CA 93257
Morris A Tharp	director	86 N MAIN ST, PORTERVILLE CA 93257
Albert L Berra	director	721 W OLIVE AVENUE, PORTERVILLE CA 93257
Cindy L Dabney	officer: SVP/Chief Accounting Officer	86 NORTH MAIN STREET, PORTERVILLE CA 93257
James C Holly	director
Kevin J Mcphaill	officer: President/CEO	86 N MAIN STREET, PORTERVILLE CA 93257
Susan M Abundis	director	86 NORTH MAIN STREET, POTERVILLE CA 93257
Natalia M Coen	officer: EVP/CRO	86 NORTH MAIN STREET, PORTERVILLE CA 93257
Laurence S Dutto	director	86 N MAIN STREET, PORTERVILLE CA 93257
Gordon T Woods	director	200 E HENDERSON, PORTERVILLE CA 93258
Ermina Karim	director	86 NORTH MAIN STREET, PORTERVILLE CA 93257
Lynda Scearcy	director	86 N. MAIN STREET, PORTERVILLE CA 93257
Hugh F Boyle	officer: EVP/Chief Credit Officer	SIERRA BANCORP, 86 NORTH MAIN STREET, PORTERVILLE CA 95732