What is Sierra Bancorp's earnings per share (EPS)?

Sierra Bancorp (BSRR) reported diluted earnings per share of $3.11 for fiscal year 2025. This represents a 10.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Sierra Bancorp Financials

BSRR

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Sierra Bancorp (BSRR) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 60/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Sierra Bancorp's revenue declined 0.6% year-over-year, from $172.3M to $171.4M. This contraction results in a growth score of 32/100.

Leverage

Sierra Bancorp carries a low D/E ratio of 0.14, meaning only $0.14 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 99/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Sierra Bancorp converts 18.8% of revenue into free cash flow ($32.2M). This strong cash generation earns a score of 72/100.

Returns

Sierra Bancorp's ROE of 11.6% shows moderate profitability relative to equity, earning a score of 37/100. This is up from 11.3% the prior year.

Piotroski F-Score Neutral

4/9

Sierra Bancorp passes 4 of 9 financial strength tests. 2 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Mixed

0.80x

For every $1 of reported earnings, Sierra Bancorp generates $0.80 in operating cash flow ($33.7M OCF vs $42.3M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$171.4M

YoY-0.6%

5Y CAGR+9.2%

10Y CAGR+10.6%

Sierra Bancorp generated $171.4M in revenue in fiscal year 2025. This represents a decrease of 0.6% from the prior year.

EBITDA

N/A

Net Income

$42.3M

YoY+4.4%

5Y CAGR+3.6%

10Y CAGR+8.9%

Sierra Bancorp reported $42.3M in net income in fiscal year 2025. This represents an increase of 4.4% from the prior year.

EPS (Diluted)

$3.11

YoY+10.3%

5Y CAGR+6.0%

10Y CAGR+8.9%

Sierra Bancorp earned $3.11 per diluted share (EPS) in fiscal year 2025. This represents an increase of 10.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$32.2M

YoY-42.5%

5Y CAGR-2.8%

10Y CAGR+2.1%

Sierra Bancorp generated $32.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 42.5% from the prior year.

Cash & Debt

$135.6M

YoY+34.7%

5Y CAGR+13.7%

10Y CAGR+10.8%

Sierra Bancorp held $135.6M in cash against $49.5M in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.00

YoY+6.4%

5Y CAGR+4.6%

10Y CAGR+9.1%

Sierra Bancorp paid $1.00 per share in dividends in fiscal year 2025. This represents an increase of 6.4% from the prior year.

Shares Outstanding

13M

YoY-6.7%

5Y CAGR-2.9%

10Y CAGR+0.0%

Sierra Bancorp had 13M shares outstanding in fiscal year 2025. This represents a decrease of 6.7% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

24.7%

YoY+1.2pp

5Y CAGR-7.5pp

10Y CAGR-4.1pp

Sierra Bancorp's net profit margin was 24.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.2 percentage points from the prior year.

Return on Equity

11.6%

YoY+0.3pp

5Y CAGR+1.3pp

10Y CAGR+2.1pp

Sierra Bancorp's ROE was 11.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.3 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$31.8M

YoY+100.9%

5Y CAGR+65.5%

10Y CAGR+14.9%

Sierra Bancorp spent $31.8M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 100.9% from the prior year.

Capital Expenditures

$1.5M

YoY+32.5%

5Y CAGR-12.1%

10Y CAGR-4.9%

Sierra Bancorp invested $1.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 32.5% from the prior year.

BSRR Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$171.4M-0.6%	$172.3M+5.7%	$163.1M+33.9%	$121.8M+7.7%	$113.1M+2.6%	$110.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$46.7M-10.7%	$52.3M+3.2%	$50.7M+315.6%	$12.2M+201.3%	$4.0M-25.1%	$5.4M
Income Tax	$14.0M+5.3%	$13.3M+14.5%	$11.6M+3.2%	$11.3M-20.7%	$14.2M+28.1%	$11.1M
Net Income	$42.3M+4.4%	$40.6M+16.4%	$34.8M+3.5%	$33.7M-21.7%	$43.0M+21.4%	$35.4M
EPS (Diluted)	$3.11+10.3%	$2.82+19.5%	$2.36+5.4%	$2.24-20.0%	$2.80+20.7%	$2.32

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$43.3M-1.5%	$43.9M+2.9%	$42.7M+3.0%	$41.5M-3.8%	$43.1M-3.8%	$44.8M+3.0%	$43.5M+6.2%	$41.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$11.3M-5.4%	$12.0M-0.8%	$12.1M+6.4%	$11.3M-11.0%	$12.7M-9.0%	$14.0M+5.1%	$13.3M+8.8%	$12.2M
Income Tax	$4.2M+41.3%	$3.0M-16.7%	$3.6M+13.9%	$3.2M+41.7%	$2.2M-41.3%	$3.8M-3.5%	$3.9M+18.7%	$3.3M
Net Income	$12.9M+32.9%	$9.7M-8.8%	$10.6M+16.8%	$9.1M-12.2%	$10.4M-2.3%	$10.6M+3.3%	$10.3M+10.0%	$9.3M
EPS (Diluted)	N/A	$0.72-7.7%	$0.78+20.0%	$0.65-9.7%	$0.72-2.7%	$0.74+4.2%	$0.71+10.9%	$0.64

BSRR Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$3.8B+5.9%	$3.6B-3.1%	$3.7B+3.4%	$3.6B+7.0%	$3.4B+4.7%	$3.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$135.6M+34.7%	$100.7M+28.1%	$78.6M+1.9%	$77.1M-70.0%	$257.5M+260.6%	$71.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$27.4M0.0%	$27.4M-0.2%	$27.4M0.0%	$27.4M0.0%	$27.4M+0.2%	$27.4M
Total Liabilities	$3.5B+6.4%	$3.3B-4.0%	$3.4B+2.6%	$3.3B+9.9%	$3.0B+4.6%	$2.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$49.5M+0.2%	$49.4M+0.2%	$49.3M+0.2%	$49.2M+0.1%	$49.1M	N/A
Total Equity	$364.9M+2.1%	$357.3M+5.7%	$338.1M+11.4%	$303.6M-16.3%	$362.5M+5.4%	$343.9M
Retained Earnings	$280.0M+1.8%	$275.1M+6.2%	$259.1M+6.6%	$243.1M+3.7%	$234.4M+12.5%	$208.4M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$3.8B+3.2%	$3.7B-1.6%	$3.8B+4.6%	$3.6B-0.2%	$3.6B-2.2%	$3.7B+0.4%	$3.7B+3.6%	$3.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$135.6M+42.0%	$95.5M-26.5%	$130.0M-18.6%	$159.7M+58.7%	$100.7M-24.2%	$132.8M-27.8%	$184.0M+54.3%	$119.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$27.4M0.0%	$27.4M0.0%	$27.4M0.0%	$27.4M0.0%	$27.4M-0.2%	$27.4M0.0%	$27.4M0.0%	$27.4M
Total Liabilities	$3.5B+3.4%	$3.3B-1.9%	$3.4B+4.9%	$3.3B-0.1%	$3.3B-2.4%	$3.3B+0.2%	$3.3B+3.8%	$3.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$49.5M0.0%	$49.5M0.0%	$49.4M0.0%	$49.4M0.0%	$49.4M0.0%	$49.4M0.0%	$49.3M0.0%	$49.3M
Total Equity	$364.9M+1.3%	$360.1M+1.2%	$355.7M+1.1%	$351.8M-1.6%	$357.3M-0.4%	$358.7M+2.5%	$350.0M+1.4%	$345.1M
Retained Earnings	$280.0M+1.4%	$276.2M+0.7%	$274.4M+1.6%	$269.9M-1.9%	$275.1M+0.6%	$273.6M+2.3%	$267.5M+1.7%	$262.9M

BSRR Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$33.7M-41.0%	$57.2M+7.3%	$53.2M+58.6%	$33.6M-36.2%	$52.7M+31.6%	$40.0M
Capital Expenditures	$1.5M+32.5%	$1.2M-18.3%	$1.4M+11.2%	$1.3M+242.9%	$371K-87.3%	$2.9M
Free Cash Flow	$32.2M-42.5%	$56.0M+8.0%	$51.8M+60.5%	$32.3M-38.2%	$52.3M+40.9%	$37.1M
Investing Cash Flow	-$183.5M-229.9%	$141.2M+268.8%	-$83.7M+82.6%	-$481.0M-2432.7%	$20.6M+103.3%	-$627.3M
Financing Cash Flow	$184.8M+204.8%	-$176.3M-652.4%	$31.9M-88.0%	$267.0M+136.7%	$112.8M-80.5%	$578.6M
Dividends Paid	$13.7M+0.7%	$13.6M-0.6%	$13.7M-1.5%	$13.9M+5.2%	$13.2M+8.4%	$12.2M
Share Buybacks	$31.8M+100.9%	$15.8M+78.4%	$8.9M+71.1%	$5.2M-0.5%	$5.2M+103.7%	$2.6M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$14.0M-6.3%	$14.9M+141.7%	-$35.9M-188.3%	$40.6M+83.4%	$22.1M-19.2%	$27.4M+4320.2%	$620K-91.1%	$7.0M
Capital Expenditures	$452K+85.2%	$244K-45.9%	$451K+17.1%	$385K+53.4%	$251K+112.7%	$118K-71.8%	$418K+13.3%	$369K
Free Cash Flow	$13.5M-7.8%	$14.7M+140.5%	-$36.3M-190.2%	$40.2M+83.8%	$21.9M-19.8%	$27.3M+13408.4%	$202K-96.9%	$6.6M
Investing Cash Flow	-$79.6M-468.1%	$21.6M+111.2%	-$193.2M-385.6%	$67.6M+58.9%	$42.6M+159.6%	-$71.4M-41.7%	-$50.4M-122.9%	$220.5M
Financing Cash Flow	$105.7M+248.7%	-$71.1M-135.7%	$199.3M+505.0%	-$49.2M+49.2%	-$96.9M-1251.0%	-$7.2M-106.3%	$114.5M+161.3%	-$186.8M
Dividends Paid	$3.4M+0.1%	$3.4M-1.9%	$3.4M-1.8%	$3.5M+1.7%	$3.5M+0.7%	$3.4M+2.4%	$3.4M-1.3%	$3.4M
Share Buybacks	$7.5M+24.6%	$6.0M+51.5%	$4.0M-72.1%	$14.3M+98.5%	$7.2M+373.2%	$1.5M-58.5%	$3.7M+6.3%	$3.5M

BSRR Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	24.7%+1.2pp	23.5%+2.2pp	21.4%-6.3pp	27.6%-10.4pp	38.0%+5.9pp	32.1%
Return on Equity	11.6%+0.3pp	11.3%+1.0pp	10.3%-0.8pp	11.1%-0.8pp	11.9%+1.6pp	10.3%
Return on Assets	1.1%0.0pp	1.1%+0.2pp	0.9%0.0pp	0.9%-0.4pp	1.3%+0.2pp	1.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.140.0	0.140.0	0.15-0.0	0.16+0.0	0.14-8.2	8.37
FCF Margin	18.8%-13.7pp	32.5%+0.7pp	31.8%+5.3pp	26.5%-19.7pp	46.2%+12.6pp	33.7%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	29.8%+7.7pp	22.1%-2.8pp	24.9%+2.9pp	21.9%-2.1pp	24.1%+0.4pp	23.7%+0.1pp	23.6%+0.8pp	22.8%
Return on Equity	3.5%+0.8pp	2.7%-0.3pp	3.0%+0.4pp	2.6%-0.3pp	2.9%-0.1pp	3.0%+0.0pp	2.9%+0.2pp	2.7%
Return on Assets	0.3%+0.1pp	0.3%-0.0pp	0.3%+0.0pp	0.3%-0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%+0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.140.0	0.140.0	0.140.0	0.140.0	0.140.0	0.140.0	0.140.0	0.14
FCF Margin	31.3%-2.2pp	33.5%+118.4pp	-85.0%-182.1pp	97.1%+46.3pp	50.8%-10.1pp	60.9%+60.4pp	0.5%-15.7pp	16.1%

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Frequently Asked Questions

What is Sierra Bancorp's annual revenue?

Sierra Bancorp (BSRR) reported $171.4M in total revenue for fiscal year 2025. This represents a -0.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Sierra Bancorp's revenue growing?

Sierra Bancorp (BSRR) revenue declined by 0.6% year-over-year, from $172.3M to $171.4M in fiscal year 2025.

Is Sierra Bancorp profitable?

Yes, Sierra Bancorp (BSRR) reported a net income of $42.3M in fiscal year 2025, with a net profit margin of 24.7%.

How much debt does Sierra Bancorp have?

As of fiscal year 2025, Sierra Bancorp (BSRR) had $135.6M in cash and equivalents against $49.5M in long-term debt.

What is Sierra Bancorp's net profit margin?

Sierra Bancorp (BSRR) had a net profit margin of 24.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Sierra Bancorp pay dividends?

Yes, Sierra Bancorp (BSRR) paid $1.00 per share in dividends during fiscal year 2025.

What is Sierra Bancorp's return on equity (ROE)?

Sierra Bancorp (BSRR) has a return on equity of 11.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Sierra Bancorp's free cash flow?

Sierra Bancorp (BSRR) generated $32.2M in free cash flow during fiscal year 2025. This represents a -42.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Sierra Bancorp's operating cash flow?

Sierra Bancorp (BSRR) generated $33.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Sierra Bancorp's total assets?

Sierra Bancorp (BSRR) had $3.8B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Sierra Bancorp's capital expenditures?

Sierra Bancorp (BSRR) invested $1.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Sierra Bancorp buy back shares?

Yes, Sierra Bancorp (BSRR) spent $31.8M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Sierra Bancorp have outstanding?

Sierra Bancorp (BSRR) had 13M shares outstanding as of fiscal year 2025.

What is Sierra Bancorp's debt-to-equity ratio?

Sierra Bancorp (BSRR) had a debt-to-equity ratio of 0.14 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Sierra Bancorp's return on assets (ROA)?

Sierra Bancorp (BSRR) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Sierra Bancorp's Piotroski F-Score?

Sierra Bancorp (BSRR) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Sierra Bancorp's earnings high quality?

Sierra Bancorp (BSRR) has an earnings quality ratio of 0.80x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Sierra Bancorp?

Sierra Bancorp (BSRR) scores 60 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.