Sierra Bancorp (BSRR) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Sierra Bancorp stock (BSRR) is currently trading at $33.50. Sierra Bancorp PE ratio is 10.43. Sierra Bancorp PS ratio (Price-to-Sales) is 2.93. Analyst consensus price target for BSRR is $39.25. WallStSmart rates BSRR as Buy.
- BSRR PE ratio analysis and historical PE chart
- BSRR PS ratio (Price-to-Sales) history and trend
- BSRR intrinsic value — DCF, Graham Number, EPV models
- BSRR stock price prediction 2025 2026 2027 2028 2029 2030
- BSRR fair value vs current price
- BSRR insider transactions and insider buying
- Is BSRR undervalued or overvalued?
- Sierra Bancorp financial analysis — revenue, earnings, cash flow
- BSRR Piotroski F-Score and Altman Z-Score
- BSRR analyst price target and Smart Rating
Sierra Bancorp
📊 No data available
Try selecting a different time range
BSRR Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Sierra Bancorp (BSRR)
BSRR trades at a significant discount to its Graham intrinsic value of $145.55, offering a 75% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Sierra Bancorp (BSRR) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Sierra Bancorp (BSRR) Key Strengths (6)
Keeps $43 of every $100 in revenue after operating costs
Earnings per share surging 32.30% year-over-year
Keeps $28 of every $100 in revenue as net profit
Good growth relative to its price
Trading at 1.18x book value, attractively priced
58.45% held by institutions, strong professional interest
Supporting Valuation Data
Sierra Bancorp (BSRR) Areas to Watch (4)
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 2.93x sales
Solid revenue growth at 13.20% per year
Sierra Bancorp (BSRR) Detailed Analysis Report
Overall Assessment
This company scores 76/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.0/10) while 4 fall into concern territory (avg 5.5/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including PEG Ratio (1.43), Price/Book (1.18) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 42.70%, Profit Margin at 28.40%. Growth metrics are encouraging with EPS Growth at 32.30%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (2.93) suggest expensive pricing. Growth concerns include Revenue Growth at 13.20%, which may limit upside. Profitability pressure is visible in Return on Equity at 11.70%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.70% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 13.20% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and EPS Growth makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
BSRR Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
BSRR's Price-to-Sales ratio of 2.93x sits near its historical average of 3.09x (0th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 13% below its historical high of 3.37x set in Feb 2026, and 0% above its historical low of 2.93x in Mar 2026. Over the past 12 months, the PS ratio has compressed from ~3.4x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for Sierra Bancorp (BSRR) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Sierra Bancorp is a mature, profitable business with steady cash generation. Revenue reached 149M with 13% growth year-over-year. Profit margins are strong at 28.4%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1170.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 28.4% and operating margin of 42.7% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 306.0%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 519M is significantly higher than cash (136M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Sierra Bancorp.
Bottom Line
Sierra Bancorp is a well-established business delivering consistent profitability with 28.4% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(48 last 3 months)
| Insider | Type | Shares |
|---|---|---|
BOYLE, HUGH F EVP/Chief Credit Officer | Sell | -1,689 |
| Insider | Type | Shares |
|---|---|---|
CASTLE, JULIE G Director | Sell | -250 |
Data sourced from SEC Form 4 filings
Last updated: 8:26:22 AM
About Sierra Bancorp(BSRR)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Sierra Bancorp is the bank holding company for Bank of the Sierra that provides retail and business banking services to individuals and businesses in California. The company is headquartered in Porterville, California.