Sierra Bancorp Financials
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).
Small shifts in asset profitability drive Sierra Bancorp, where a 1.1% ROA on a $3.8B asset base becomes meaningful earnings.
Between FY2024 and FY2025, net income rose from$40.6M to$42.3M even as operating cash flow fell sharply. That divergence, alongside a lower share count, suggests FY2025’s better per-share results came more from capital management and accrual timing than from stronger cash generation off the balance sheet.
Return on assets held near
Capital spending was only
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Sierra Bancorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Sierra Bancorp passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 2 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
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
Earnings & Revenue
Sierra Bancorp generated $171.4M in revenue in fiscal year 2025. This represents a decrease of 0.6% from the prior year.
Sierra Bancorp reported $42.3M in net income in fiscal year 2025. This represents an increase of 4.4% from the prior year.
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
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.
Sierra Bancorp held $135.6M in cash against $49.5M in long-term debt as of fiscal year 2025.
Sierra Bancorp paid $1.00 per share in dividends in fiscal year 2025. This represents an increase of 6.4% from the prior year.
Sierra Bancorp had 13M shares outstanding in fiscal year 2025. This represents a decrease of 6.7% from the prior year.
Margins & Returns
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.
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
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.
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 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $41.2M-4.8% | $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 |
| 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 | $12.7M+0.1% | $12.7M-1.1% | $12.8M+2.3% | $12.5M-3.5% | $13.0M-43.1% | $22.9M+84.9% | $12.4M+2.8% | $12.0M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $10.6M-6.5% | $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 |
| Income Tax | $4.2M-0.8% | $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 |
| Net Income | $12.5M-2.9% | $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 |
| EPS (Diluted) | $0.96 | N/A | $0.72-7.7% | $0.78+20.0% | $0.65-9.7% | $0.72-2.7% | $0.74+4.2% | $0.71 |
BSRR Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.8B-2.0% | $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 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $156.4M+15.3% | $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 |
| 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% | $27.4M-0.2% | $27.4M+0.2% | $27.4M-0.2% | $27.4M0.0% | $27.4M |
| Total Liabilities | $3.4B-2.1% | $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 |
| 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% | $49.5M0.0% | $49.4M0.0% | $49.4M0.0% | $49.4M0.0% | $49.4M0.0% | $49.3M |
| Total Equity | $363.7M-0.3% | $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 |
| Retained Earnings | $281.4M+0.5% | $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 |
BSRR Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $11.1M-21.0% | $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 |
| Capital Expenditures | $83K-81.6% | $452K+85.2% | $244K-45.9% | $451K+17.1% | $385K+53.4% | $251K+112.7% | $118K-71.8% | $418K |
| Free Cash Flow | $11.0M-18.9% | $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 |
| Investing Cash Flow | $93.4M+217.4% | -$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 |
| Financing Cash Flow | -$83.7M-179.2% | $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 |
| Dividends Paid | $3.4M+1.3% | $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 |
| Share Buybacks | $9.9M+32.0% | $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 |
BSRR Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | 30.4%+0.6pp | 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% |
| Return on Equity | 3.4%-0.1pp | 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% |
| Return on Assets | 0.3%0.0pp | 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% |
| 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 | 26.7%-4.6pp | 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% |
Similar Companies
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.
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 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 44 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.