ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Sierra Bancorp ?
1
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
2
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at USD 54.32 MM
- CREDIT DEPOSIT RATIO(Q) Highest at 0.62%
- CASH AND EQV(HY) Highest at USD 193.33 MM
3
With ROA of 0.73%, it has a attractive valuation with a 1.08 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -4.26%, its profits have risen by 13.9% ; the PEG ratio of the company is 0.6
4
Reducing Promoter Confidence
- Promoters have decreased their stake in the company by -0.51% over the previous quarter and currently hold 1.07% of the company
- Promoters decreasing their stake may signify reduced confidence in the future of the business
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Sierra Bancorp should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Sierra Bancorp for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Sierra Bancorp
5.1%
1.73
31.33%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.97%
EBIT Growth (5y)
3.41%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
33.36%
Pledged Shares
0
Institutional Holding
56.91%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.08
EV to EBIT
9.97
EV to EBITDA
9.45
EV to Capital Employed
1.06
EV to Sales
2.90
PEG Ratio
0.56
Dividend Yield
NA
ROCE (Latest)
10.65%
ROE (Latest)
11.47%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 54.32 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 0.62%
CASH AND EQV(HY)
Highest at USD 193.33 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT MARGIN(Q)
Highest at 33.13 %
NET PROFIT(Q)
Highest at USD 10.63 MM
EPS(Q)
Highest at USD 0.78
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Sierra Bancorp
Credit Deposit Ratio
Highest at 0.62% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Operating Cash Flow
Highest at USD 54.32 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit Margin
Highest at 33.13 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Net Profit
Highest at USD 10.63 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.78
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 193.33 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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