Sierra BancorpBSRR -0.02%67 Net Margin % is 34.29% as of Mar. 2026, which is 18% above its 10-year median of 29.02. 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 1,527 Banks companies, Sierra Bancorp ranks better than 63.52% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Sierra Bancorp's Net Income for the
three
months ended in Mar. 2026 was $12.5 Mil. Sierra Bancorp's Revenue for the
three
months ended in Mar. 2026 was $36.5 Mil. Therefore, Sierra Bancorp's net margin for the quarter that ended in Mar. 2026 was 34.29%.
The historical rank and industry rank for Sierra Bancorp's Net Margin % or its related term are showing as below:
BSRR'
s Net Margin % Range Over the Past 10 Years
Min: 21.23 Med: 29.02 Max: 33.77
Current: 30.83
BSRR's Net Margin % is ranked better than 63.52% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs BSRR: 30.83
Sierra Bancorp (NAS:BSRR) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Sierra Bancorp Net Margin % Related Terms
Sierra Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for Sierra Bancorp's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Sierra Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Sierra Bancorp's Net 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 Net Margin % of 34.29% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Sierra Bancorp and its competitors. This is 18% above median its historical median of 29.02. Over the past decade, Sierra Bancorp's Net Margin % has ranged from 21.23 to 33.77. According to the industry distribution chart, Sierra Bancorp ranks #557 out of 1527 companies in the Banks industry, placing it in the top 36.5%.
Is Sierra Bancorp's Net Margin % too high?
Sierra Bancorp's current Net Margin % of 34.29% is 18% above median its 10-year median of 29.02. Over the past 10 years, this metric has ranged from a low of 21.23 to a high of 33.77. The Banks industry median Net Margin % is 26.95. Sierra Bancorp's value of 34.29% is 27.2% above this industry median. Based on the distribution chart, Sierra Bancorp ranks #557 out of 1527 companies in the Banks industry, which is above 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 Net Margin % compare to HBCP and DBIN?
According to the Banks industry distribution chart, Sierra Bancorp ranks #557 out of 1527 companies for Net Margin %. This puts Sierra Bancorp in the upper half of its industry. The industry median Net Margin % is 26.95. Sierra Bancorp's value of 34.29% is 27.2% above this benchmark. Historically, Sierra Bancorp's own Net Margin % has ranged from 21.23 to 33.77 over the past decade. While the company's 10-year median is 29.02 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sierra Bancorp's current Net Margin % of 34.29% is 27.2% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Sierra Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sierra Bancorp's current Net Margin % is 34.29%, which is 18% above median its own 10-year median of 29.02. 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 Net Margin % is 34.29%, which is 18% above median its 10-year median of 29.02 and 27.2% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Sierra Bancorp (BSRR), the current Net Margin % is 34.29% 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:
Net Margin %: 34.29% (18% above median its 10-year median of 29.02)
GF Value™: $33.33 vs. price of $40.41 (21.2% above fair value)
Industry Position: 27.2% above the Banks median (#557 of 1527)
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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