Dashboard
Weak Long Term Fundamental Strength with Tier 1 Capital Adeqacy Ratio of 14.47%
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 3.45%
- A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
Positive results in Jun 25
With ROA of 0.73%, it has a attractive valuation with a 1.08 Price to Book Value
Reducing Promoter Confidence
Total Returns (Price + Dividend) 
Sierra Bancorp for the last several years.
Risk Adjusted Returns v/s 
News
Is Sierra Bancorp overvalued or undervalued?
As of 24 October 2025, Sierra Bancorp's valuation grade has moved from fair to attractive, indicating a positive shift in its perceived value. The company appears undervalued based on its P/E ratio of 9, which is significantly lower than the industry average, and a PEG ratio of 0.56, suggesting strong growth potential relative to its price. Additionally, its Price to Book Value stands at 1.08, further supporting the notion of undervaluation compared to peers. In comparison to its peers, Guaranty Bancshares, Inc. has a P/E of 18.33, while Peoples Financial Services Corp. boasts a PEG of 0.14, highlighting that Sierra Bancorp is positioned favorably within the regional banking sector. Despite recent underperformance against the S&P 500 over the past year, where it returned -4.51% compared to the index's 16.90%, its long-term performance over three and five years shows returns of 26.21% and 28.41%, respective...
Read MoreIs Sierra Bancorp overvalued or undervalued?
As of 24 October 2025, Sierra Bancorp's valuation grade has moved from fair to attractive, indicating a positive shift in its perceived value. The company appears undervalued, supported by a P/E ratio of 9, a Price to Book Value of 1.08, and a PEG ratio of 0.56, all of which suggest that the stock is trading at a discount relative to its earnings growth potential. In comparison to its peers, Guaranty Bancshares, Inc. has a significantly higher P/E ratio of 18.33, while Peoples Financial Services Corp. shows a PEG ratio of 0.14, indicating that Sierra Bancorp is more favorably priced in terms of earnings growth. Although specific return data is not available, the overall valuation metrics suggest that Sierra Bancorp is positioned well against the market....
Read MoreIs Sierra Bancorp overvalued or undervalued?
As of 24 October 2025, the valuation grade for Sierra Bancorp has moved from fair to attractive, indicating a more favorable assessment of its market position. Based on the current metrics, the company appears undervalued, particularly with a P/E ratio of 9, a Price to Book Value of 1.08, and a PEG ratio of 0.56, all suggesting that the stock is trading at a discount relative to its earnings growth potential. In comparison to its peers, Guaranty Bancshares, Inc. has a significantly higher P/E ratio of 18.33, while Peoples Financial Services Corp. boasts a PEG ratio of 0.14, highlighting Sierra Bancorp's relative value proposition in the regional banks sector. Despite its recent stock performance trailing behind the S&P 500 over multiple periods, including a 1Y return of -4.51% versus the S&P 500's 16.90%, the long-term outlook remains positive with a 3Y return of 26.21%, indicating potential for recovery ...
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Shareholding Snapshot : Mar 2025
Shareholding Compare (%holding) 
Domestic Funds
Held in 36 Schemes (25.4%)
Held by 32 Foreign Institutions (4.22%)






