Sierra BancorpBSRR -0.02%67 FCF Margin % is 30.07% as of Mar. 2026, which is 15% below its 10-year median of 35.43. GuruFocus rates BSRR with a GF Score™ of 67/100 and a GF Value™ of $33.33 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,505 Banks companies, Sierra Bancorp ranks worse than 72.69% on this metric.
The historical rank and industry rank for Sierra Bancorp's FCF Margin % or its related term are showing as below:
BSRR'
s FCF Margin % Range Over the Past 10 Years
Min: 1.96 Med: 35.43 Max: 43.86
Current: 1.96
During the past 13 years, the highest FCF Margin % of Sierra Bancorp was 43.86%. The lowest was 1.96%. And the median was 35.43%.
BSRR's FCF Margin % is ranked worse than 72.69% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs BSRR: 1.96
Sierra Bancorp FCF Margin % Related Terms
Sierra Bancorp FCF Margin % Historical Data
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The historical data trend for Sierra Bancorp's FCF Margin % 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.
For the Banks - Regional subindustry, Sierra Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Sierra Bancorp FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Sierra Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Sierra Bancorp's FCF Margin % falls into.
* 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.
Sierra Bancorp (BSRR) has a FCF Margin % of 30.07% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Sierra Bancorp and its competitors. This is 15% below median its historical median of 35.43. Over the past decade, Sierra Bancorp's FCF Margin % has ranged from 1.96 to 43.86. According to the industry distribution chart, Sierra Bancorp ranks #1094 out of 1505 companies in the Banks industry, placing it in the top 72.7%.
Is Sierra Bancorp's FCF Margin % too high?
Sierra Bancorp's current FCF Margin % of 30.07% is 15% below median its 10-year median of 35.43. Over the past 10 years, this metric has ranged from a low of 1.96 to a high of 43.86. The Banks industry median FCF Margin % is 26.55. Sierra Bancorp's value of 30.07% is 13.3% above this industry median. Based on the distribution chart, Sierra Bancorp ranks #1094 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, Sierra Bancorp has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sierra Bancorp's FCF Margin % compare to HBCP and DBIN?
According to the Banks industry distribution chart, Sierra Bancorp ranks #1094 out of 1505 companies for FCF Margin %. This places Sierra Bancorp in the lower half of its industry. The industry median FCF Margin % is 26.55. Sierra Bancorp's value of 30.07% is 13.3% above this benchmark. Historically, Sierra Bancorp's own FCF Margin % has ranged from 1.96 to 43.86 over the past decade. While the company's 10-year median is 35.43 vs. the industry median of 26.55, Sierra Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sierra Bancorp's current FCF Margin % of 30.07% is 13.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Sierra Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sierra Bancorp's current FCF Margin % is 30.07%, which is 15% below median its own 10-year median of 35.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sierra Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Sierra Bancorp (BSRR) is currently considered Modestly Overvalued. The stock's GF Value™ is $33.33, compared to a current price of $40.41 — trading 21.2% above its estimated fair value. The current FCF Margin % is 30.07%, which is 15% below median its 10-year median of 35.43 and 13.3% above the Banks industry median of 26.55. Sierra Bancorp's overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Sierra Bancorp (BSRR), the current FCF Margin % is 30.07% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Sierra Bancorp (BSRR) Overvalued in 2026?
Based on GuruFocus' analysis, Sierra Bancorp stock appears to be overvalued.
The current stock price of $40.41 is trading 21.2% above its estimated GF Value™ of $33.33.
GuruFocus considers Sierra Bancorp to be Modestly Overvalued.
Key valuation signals for BSRR:
FCF Margin %: 30.07% (15% below median its 10-year median of 35.43)
GF Value™: $33.33 vs. price of $40.41 (21.2% above fair value)
Industry Position: 13.3% above the Banks median (#1094 of 1505)
No single metric tells the full story. See the BSRR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
67GF Score
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