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SIERRA BANCORP

BSRR

$40.51 ▼ -0.29 (-0.71%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

SIERRA BANCORP shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $546.7M

Dividend Yield 2.47%

Revenue Growth 2.5% ↘

Op. Margin 36.3% ↗

ROIC None

FCF / Share None

Trailing P/E 12.9x

Price / Book 1.5x

FCF Yield —

Debt / Equity 1.10

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$155.28M

↑ +2.5% —

Net Income Profit after all expenses

$42.33M

↑ +4.4% —

Operating Margin Operating profit as % of sales

36.3%

↑ +2.1% 91th

Long-Term Debt Long-term obligations

$49.48M

— +0.2% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns →

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.00 Latest / share

+6.4% YoY

+10.3% 12-yr CAGR

$0.34

FY 2014

$0.42

FY 2015

$0.48

FY 2016

$0.56

FY 2017

$0.64

FY 2018

$0.74

FY 2019

$0.80

FY 2020

$0.87

FY 2021

$0.92

FY 2022

$0.92

FY 2023

$0.94

FY 2024

$1.00

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	2.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-59%)	6.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	1.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-71%)	2.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-60%)	4.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-22%)	8.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+40%)	6.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	16.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+182%)	15.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+158%)	8.5% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+41%)	14.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+137%)	3.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-36%)	-4.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-175%)	1.1% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-81%)	-8.2% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-237%)	-1.6% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-127%)	—	—
EPS Growth YoY (%)	10.6% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	19.8% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	5.3% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-20.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	21.0% Good → Good Stable Year-over-year change in earnings per share Optimal: > 10%	-0.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	21.1% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	40.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	6.2% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-3.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	22.9% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	16.0% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	62.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	5.5% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-9.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-29.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	4.4% Caution ↑ Caution Improving Year-over-year change in net income	16.4% Good ↑ Good Improving Year-over-year change in net income	3.5% Caution ↑ Caution Improving Year-over-year change in net income	-21.7% Weak ↓ Weak Declining Year-over-year change in net income	21.4% Good ↓ Good Declining Year-over-year change in net income	-1.4% Weak ↓ Weak Declining Year-over-year change in net income	21.2% Good ↑ Good Improving Year-over-year change in net income	51.9% Excellent ↑ Excellent Improving Year-over-year change in net income	11.2% Fair ↑ Fair Improving Year-over-year change in net income	-2.8% Weak ↓ Weak Declining Year-over-year change in net income	18.5% Good ↓ Good Declining Year-over-year change in net income	14.0% Fair ↓ Fair Declining Year-over-year change in net income	63.3% Excellent ↑ Excellent Improving Year-over-year change in net income	5.2% Fair ↑ Fair Improving Year-over-year change in net income	5.7% Fair Fair Year-over-year change in net income	-17.5% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	3.4% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	3.4% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	2.9% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	6.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	10.3% Good ↓ Good Declining Compound annual revenue growth over 3 years	12.7% Good ↑ Good Improving Compound annual revenue growth over 3 years	13.5% Good ↑ Good Improving Compound annual revenue growth over 3 years	12.7% Good ↑ Good Improving Compound annual revenue growth over 3 years	8.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.2% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	0.1% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-3.9% Weak Weak Compound annual revenue growth over 3 years	-3.0% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	3.5% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.6% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	4.6% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.6% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	10.2% Good ↓ Good Declining Compound annual revenue growth over 5 years	11.0% Good ↑ Good Improving Compound annual revenue growth over 5 years	12.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	11.7% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	1.0% Caution Caution Compound annual revenue growth over 5 years	-2.0% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	11.8% Good ↑ Good Improving Compound annual EPS growth over 3 years	0.2% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	0.6% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-1.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	13.3% Good ↓ Good Declining Compound annual EPS growth over 3 years	19.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	21.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	13.1% Good ↓ Good Declining Compound annual EPS growth over 3 years	8.2% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	11.4% Good ↓ Good Declining Compound annual EPS growth over 3 years	32.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	25.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	15.5% Excellent Excellent Compound annual EPS growth over 3 years	-12.3% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	36.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	35.5% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	32.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	32.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	41.7% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	35.5% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	24.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.7% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.0% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.1% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.8% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.8% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	27.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	26.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	24.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	24.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	31.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	27.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	29.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	26.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	20.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	20.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-5%)	23.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	22.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	11.9% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	11.4% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	9.9% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	11.9% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	11.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.4% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-5%)	10.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	11.1% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	11.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.3% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	11.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	7.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	8.5% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	9.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	8.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	7.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	4.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	4.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	4.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	6.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	1.10x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-8%)	0.44x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-63%)	1.29x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+8%)	1.24x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	0.43x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-64%)	0.53x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-56%)	0.06x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-95%)	0.21x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-83%)	0.09x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	0.32x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.41x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-66%)	0.13x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.24x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-80%)	0.19x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	0.19x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$11.50	$10.61	$9.71	$9.39	$9.00	$8.61	$7.89	$7.47	$6.88	$6.24	$5.78	$4.87	$4.64	$4.87	$4.84	—	—	—
Basic EPS, GAAP (USD)	$3.14	$2.84	$2.37	$2.25	$2.82	$2.33	$2.35	$1.94	$1.38	$1.30	$1.34	$1.09	$0.94	$0.58	$0.55	$0.61	$0.86	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.00	$0.94	$0.92	$0.92	$0.87	$0.80	$0.74	$0.64	$0.56	$0.48	$0.42	$0.34	$0.26	$0.24	$0.24	$0.24	$0.40	—
Book Value per Share (USD)	$27.49	$25.12	$22.85	$20.01	$23.74	$22.35	$20.24	$17.84	$16.81	$14.94	$14.36	$13.67	$12.78	$12.33	$11.95	$11.42	—	—
Tangible Book Value per Share (USD)	$25.43	$23.20	$21.00	$18.21	$21.95	$20.57	$18.45	$16.06	$15.02	$14.34	$13.84	$13.16	$12.39	$11.93	$11.56	$11.02	—	—
Basic Weighted Avg Shares (shares)	13.50M	14.28M	14.71M	14.96M	15.24M	15.22M	15.31M	15.26M	14.17M	13.53M	13.46M	14.00M	14.16M	14.10M	14.04M	—	—	—
Dividend Payout Ratio (%)	31.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	33.1% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	38.8% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	40.9% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	30.9% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	34.3% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	31.5% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	33.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	40.6% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	36.9% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	31.3% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	31.2% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	27.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	41.4% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	43.6% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	39.3% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	46.5% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$49.48M	$49.39M	$49.30M	$49.21M	$49.14M	—	—	—	—	$0.00	$2.00M	$6.00M	$0.00	$5.00M	$15.00M	$15.00M	—	—
Total Equity (USD)	$364.86M	$357.30M	$338.10M	$303.58M	$362.49M	$343.90M	$309.29M	$273.02M	$255.94M	$205.88M	$190.34M	$187.09M	$181.67M	$173.89M	$168.56M	$159.60M	$134.48M	$106.80M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$155.28M	$151.55M	$142.81M	$140.38M	$137.10M	$130.99M	$120.85M	$113.96M	$97.48M	$84.42M	$77.84M	$68.16M	$65.63M	$68.71M	$67.95M	$74.04M	$75.25M	—
Depreciation Expense (USD)	$1.90M	$1.90M	$2.20M	$2.40M	$3.10M	$2.80M	$2.80M	$3.00M	$3.03M	$2.58M	$2.27M	—	—	—	—	—	—	—
Net Income, GAAP (USD)	$42.33M	$40.56M	$34.84M	$33.66M	$43.01M	$35.44M	$35.96M	$29.68M	$19.54M	$17.57M	$18.07M	$15.24M	$13.37M	$8.19M	$7.78M	$7.36M	$8.93M	—
Operating Cash Flow (USD)	$33.70M	$57.15M	$53.24M	$33.57M	$52.66M	$40.03M	$46.74M	$30.45M	$40.68M	—	—	$28.54M	$34.54M	$38.70M	$34.65M	$32.02M	$23.67M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.3%	3.3%	3.0%	3.0%	3.2%	3.3%	3.8%	3.7%	3.2%	3.2%	3.3%	3.2%	3.4%	3.5%	4.0%	4.4%	—	—
Efficiency Ratio (%) (%)	59.8%	61.3%	64.9%	60.4%	60.9%	58.0%	58.4%	61.4%	67.1%	68.8%	65.1%	68.0%	68.3%	67.9%	70.1%	67.8%	58.7%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 68 quarters

SIERRA BANCORP

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