BSRR (Sierra Bancorp) Scaled Net Operating Assets: 0.01 (As of Mar. 2026)


BSRR Sierra Bancorp BSRR
65 GF Score
Price $41.07
GF Value $33.33
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Sierra Bancorp Scaled Net Operating Assets?

Sierra Bancorp BSRR +1.61% 65 Scaled Net Operating Assets is 0.01 as of Mar. 2026. GuruFocus rates BSRR with a GF Score™ of 65/100 and a GF Value™ of $33.33 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Sierra Bancorp's operating assets for the quarter that ended in Mar. 2026 was $3,140.9 Mil. Sierra Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $3,120.2 Mil. Sierra Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $3,829.3 Mil. Therefore, Sierra Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.01.

BSRR
65GF Score
Sierra Bancorp BSRR
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Sierra Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Sierra Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(3693.651-3076.216)/3614.271
=0.17

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3829.279 - 135.628
=3693.651

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3464.416 - 165.5 - 222.7
=3076.216

Sierra Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(3140.916-3120.181)/3829.279
=0.01

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3754.462 - 613.546
=3140.916

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3390.748 - 140.567 - 130
=3120.181

* 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.

What does a Scaled Net Operating Assets of 0.01 mean?
Sierra Bancorp (BSRR) has a Scaled Net Operating Assets of 0.01 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Sierra Bancorp and its competitors.
Is Sierra Bancorp's Scaled Net Operating Assets too high?
Sierra Bancorp's current Scaled Net Operating Assets is 0.01. Overall, Sierra Bancorp has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sierra Bancorp's Scaled Net Operating Assets compare to FBIZ and HBCP?
Sierra Bancorp's Scaled Net Operating Assets of 0.01 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Sierra Bancorp and its competitors. Sierra Bancorp's current Scaled Net Operating Assets is 0.01. 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 $41.07 — trading 23.2% above its estimated fair value. The current Scaled Net Operating Assets is 0.01. Sierra Bancorp's overall GF Score™ is 65/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Sierra Bancorp (BSRR), the current Scaled Net Operating Assets is 0.01 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 $41.07 is trading 23.2% above its estimated GF Value™ of $33.33. GuruFocus considers Sierra Bancorp to be Modestly Overvalued.

Key valuation signals for BSRR:

  • Scaled Net Operating Assets: 0.01
  • GF Value™: $33.33 vs. price of $41.07 (23.2% above fair value)
  • GF Score™: 65/100 with 7 warning signs

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 Business Description

Address 86 North Main Street, P.O. Box 1930, Porterville, CA, USA, 93257
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.
65GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$41.07
Price
$33.33
GF Value