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Sierra

NSQ:BSRR · US82620P1021
BanksSmall

360

21
Profit price45
Cash yield51
Price/Sales53
EV / Gross Profit29
Price/Book21
Returns on capital37
Profit margins—
Cash Conversion12
Accruals36
Owner Earnings Margin49
Sales growth9
Profit Growth36
Owner Earnings Growth31
Reinvestment1
Price momentum79
Debt load6
Debt serviceability91
Liquidity88
Analyst ratings12
Opinion Changes50
Price Target Upside20
Market mood1
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Sierra clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded2000
Websitesierrabancorp.com
ISINUS82620P1021
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)
Themes
BankingFinancial Services

Description

Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides a range of retail and commercial banking services. The company has its branch offices located throughout California’s South San Joaquin Valley, the Central Coas…

Analysis

Middle-of-the-road

Sierra Bancorp is a middle-of-the-road business: neither the economics nor the price stand out from the peer group.

The price is attractive. You pay 11.0× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is tepid and the balance sheet is adequate. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

What to watch: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
21
2023202420252026

All-time high

89

Jan 2024

All-time low

21

Jun 2026

Average rank

55

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
53
67
89
80
Price/Earnings
50
63
85
76
Price/Book
21
31
58
73
Dividend Yield
51
67
83
93
Value (overall)
46
63
97
93

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →