Sierra Bancorp (BSRR) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

MidWestOne Financial Group, Inc.

Peoples Financial Services Corp.

CapStar Financial Holdings, Inc.

Guaranty Bancshares, Inc. (Texas)

Sierra Bancorp

Macatawa Bank Corp.

Carter Bankshares, Inc.

MVB Financial Corp.

First Foundation, Inc.

Bank of Marin Bancorp

Sterling Bancorp, Inc. (Michigan)

Why is Sierra Bancorp ?

High Profitability with a Net Interest Margin of 3.31%

Positive results in Dec 25

GROSS NPA (%)(Q) Lowest at 0.52%
ROCE(HY) Highest at 1.14%
CREDIT DEPOSIT RATIO(Q) Highest at 0.52%

With ROA of 0.70%, it has a fair valuation with a 1.03 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 17.58%, its profits have risen by 13.8% ; the PEG ratio of the company is 0.6

High Institutional Holdings at 60.7%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Real-Time Research Report

Verdict Report

How 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

17.58%

2.05

31.14%

S&P 500

20.12%

1.04

19.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

9.22%

EBIT Growth (5y)

3.83%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

32.15%

Pledged Shares

Institutional Holding

60.70%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.03

EV to EBIT

11.86

EV to EBITDA

11.25

EV to Capital Employed

1.02

EV to Sales

3.47

PEG Ratio

0.59

Dividend Yield

ROCE (Latest)

8.58%

ROE (Latest)

11.44%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

No Trend

Bullish

OBV

Mildly Bearish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

14What is working for the Company

GROSS NPA (%)

ROCE(HY)

Highest at 1.14%

CREDIT DEPOSIT RATIO(Q)

Highest at 0.52%

CASH AND EQV(HY)

Highest at USD 217.45 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT(Q)

Highest at USD 17.17 MM

OPERATING PROFIT MARGIN(Q)

Highest at 39.67 %

PRE-TAX PROFIT(Q)

Highest at USD 17.14 MM

NET PROFIT(Q)

Highest at USD 12.89 MM

EPS(Q)

Highest at USD 0.97

-5What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 19.71 MM

ROCE(HY)

Lowest at 1.14%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 25.77%

Here's what is working for Sierra Bancorp

Non Performing Loans (%)

Lowest at 0.52% and Fallen

In each half year in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Credit Deposit Ratio

Highest at 0.52% and Grown

In each half year in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Operating Profit

Highest at USD 17.17 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 39.67 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 17.14 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 12.89 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.97

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Cash and Eqv

Highest at USD 217.45 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Here's what is not working for Sierra Bancorp

Operating Cash Flow

Lowest at USD 19.71 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Dividend Payout Ratio

Lowest at 25.77%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)