Is Sierra Bancorp (BSRR) Overvalued?
We dive into why Sierra Bancorp (BSRR) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Rosalio Madrigal
A+ Stock Grade Summary:
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COMPANY SUMMARY
Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking products and services to individuals and businesses in California. It accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. The company’s loan products include real estate, commercial, mortgage warehouse, agricultural, and consumer loans. It also offers automated teller machines; electronic point-of-sale payment alternatives; multiple account access options; online account opening platform; online banking with bill-pay and mobile banking capabilities, including mobile check deposit; online lending solutions for consumers and small businesses; customer service center services; an automated telephone banking system; and remote deposit capture and payroll services. Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California.
Commentary & Analysis
What You Need to Know About Sierra Bancorp's Q3 Earnings
Sierra Bancorp's fiscal Q3 earnings report was released on Monday, July 27. Let's dive in to see if (BSRR) missed or beat analyst's expectations.Jenna Brashear
5 Undervalued Banks Stocks for Friday, June 19
Discover the top 5 undervalued Banks stocks for Friday, June 19 based on AAII’s Stock Grades.Tudor Pop
What You Need to Know About Sierra Bancorp's Q2 Earnings
Sierra Bancorp's fiscal Q2 earnings report was released on Monday, April 27. Let's dive in to see if (BSRR) missed or beat analyst's expectations.Michael Rose
Why Sierra Bancorp’s (BSRR) Stock Is Up 6.30%
As of Monday, February 02, Sierra Bancorp’s BSRR share price has surged by 6.30%, which has investors questioning if this is right time to sell.Jenna Brashear
Financial Summary
| Share Statistics | BSRR | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $504.2 | $730.8 | 37% |
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| Shares Out (Mil) | 13.0 | 15.2 | 24% |
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| Institutional Ownership | 84.8% | 83.5% | 53% |
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| Float (Mil) | 11.4 | 21.7 | 21% |
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| Beta | 0.76 | 0.45 | 45% |
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| Avg Daily Volume (000s) | 52 | 45 | 29% |
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| Price Change (52-week) |
28.6% | 93.1% | 71% |
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| Growth | BSRR | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 4.0% | 7.7% | 31% |
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| Net Income (5yr) | 3.6% | 11.1% | 45% |
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| EPS (5yr) | 6.0% | 10.1% | 40 |
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| Dividends (5yr) | 4.8% | 3.7% | 79% |
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| Cash Flow (5yr) | 45.6% | (17.2%) | 92% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 5 | 5 | 5 | |
| Current EPS | $0.908 | $3.550 | $3.784 | |
| Month Ago EPS | $0.893 | $3.523 | $3.822 | |
| # Rev Up | 2 | 2 | 1 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $0.934 | $3.724 | $3.878 | |
| Year/Year Chg | 17.9% | 14.1% | na | |
| Financials | BSRR | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $152 | $195 | 29% |
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| Net Income (TTM) (Mil) | $45 | $55 | 54% |
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| EPS (TTM) | $3.435 | $2.500 | 80% |
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| Operating Cash Flow (TTM) (Mil) | $46 | $33 | 46% |
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| Net Cash Flow (TTM) (Mil) | $13 | $2 | 58% |
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| Long-Term Debt (Q1) (Mil) | $121 | $99 | 46% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | BSRR | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.37 | 1.23 | 35% |
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| P/E | 11.6 | 12.3 | 24% |
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| Dividend Yield | 2.7% | 2.2% | 82% |
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| PEG (5yr hist) | 1.9 | 1.1 | 67% |
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| Ratios | BSRR | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 29.7% | 29.2% | 88% |
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| ROA | 1.2% | 1.1% | 49% |
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| ROE | 12.5% | 11.3% | 64% |
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| Liabilities to Assets | 90.1% | 89.7% | 86% |
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| F-Score | 6 | 4 | 67% |
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Passing Stock Screens
As of 9/1/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.8% |
| +/- S&P 500: | -0.7 |
