Sierra Bancorp (NASDAQ:BSRR)

US · Delayed Price · Currency is USD

Financial Services · Banks - Regional

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42.43+0.09 (+0.21%)

Market cap

$550M

Insider Score

Not scored

Health Score

72 Sound

Analyst consensus

Hold

Listed since

Apr 18, 1994

Website

bankofthesierra.com

Insider Score

––Not scored

BSRR Insider Score

Insiders filed in the last 90 days, but none of those trades qualified for scoring — round-trip buys and filings whose price is far off the market are excluded.

See stocks that are scored

Financial Health Score

Sound

From BSRR’s reported statements · Q3 2026 (trailing 12 months)

Profitability20 / 20

Keeps a healthy share of every dollar it sells.

Revenue: $199.9M
Net income: $50.6M
Net margin: 25.3%

Leverage12 / 20

A manageable debt load.

Total debt: $250.8M
Cash: $138.3M
Net debt / EBITDA: 1.64x

Liquidity0 / 20

Owes more within a year than it holds to pay it.

Current assets: $1.00B
Current liabilities: $3.15B
Current ratio: 0.32

Cash generation20 / 20

The business funds itself from operations.

Operating cash flow: $30.5M
Free cash flow: $30.1M
FCF margin: 15.1%

Dilution & runway20 / 20

Not funding itself by issuing shares.

Shares outstanding: 12.8M
Share growth (1y): -5.8%

Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.

BSRR Income Statement

Fiscal Period	Q3 2026	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025
Period Ending	Sep 30, 2026	Jun 30, 2026	Mar 31, 2026	Dec 31, 2025	Sep 30, 2025	Jun 30, 2025
Revenue	50.63 M	49.51 M	49.16 M	50.62 M	49.69 M	49.04 M
Revenue Growth (YoY)	1.90 %	0.96 %	6.96 %	13.48 %	-1.13 %	0.04 %
Cost of Revenue	8.54 M	12.72 M	10.61 M	10.46 M	15.66 M	13.26 M
Gross Profit	42.09 M	36.79 M	38.55 M	40.15 M	34.03 M	35.77 M
SG&A Expense	15.32 M	15.75 M	15.79 M	23.69 M	14.00 M	14.21 M
R&D Expense	0.00	0.00	0.00	0.00	0.00	0.00
Operating Expenses	22.31 M	23.51 M	21.82 M	23.02 M	21.33 M	21.54 M
Operating Income	19.78 M	13.28 M	16.73 M	17.17 M	12.70 M	14.24 M
Pretax Income	19.78 M	13.28 M	16.73 M	17.14 M	12.70 M	14.24 M
Tax Provision	4.50 M	3.36 M	4.21 M	4.24 M	3.00 M	3.61 M
Net Income	15.28 M	9.92 M	12.52 M	12.89 M	9.70 M	10.63 M
EPS (Basic)	1.19	0.78	0.96	0.97	0.73	0.78
EPS (Diluted)	1.18	0.76	0.96	0.97	0.72	0.78
Shares Outstanding	12.79 M	12.92 M	12.99 M	13.25 M	13.58 M	13.69 M

Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.

Disclaimer — Informational only — not investment advice. Insider transaction data is sourced from SEC Form 4 filings; market data from public feeds and may be delayed. The Insider Score is a proprietary score for research purposes and does not predict future performance. Always do your own research.