Sierra Bancorp

  • Market Cap: Micro Cap
  • Industry: Regional Banks
  • ISIN: US82620P1021
USD
32.37
1.17 (3.75%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

41.01 k

Shareholding (Mar 2025)

FII

4.22%

Held by 32 FIIs

DII

69.26%

Held by 27 DIIs

Promoter

1.07%

How big is Sierra Bancorp?

22-Jun-2025

As of Jun 18, Sierra Bancorp has a market capitalization of 373.80 million and total assets of 3,628.04 million, with shareholder's funds at 357.30 million.

As of Jun 18, Sierra Bancorp has a market capitalization of 373.80 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the sum of interest earned for the latest four quarters is 174.18 million, while the sum of net profit for the same period is 40.32 million.<BR><BR>As of Dec 24, the reporting period shows Shareholder's Funds at 357.30 million and Total Assets at 3,628.04 million.

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What does Sierra Bancorp do?

22-Jun-2025

Sierra Bancorp is a bank holding company for Bank of the Sierra, operating in the regional banks industry with a market capitalization of approximately $373.80 million. As of March 2025, it reported net sales of $42 million and a net profit of $9 million.

Overview:<BR>Sierra Bancorp is a bank holding company for Bank of the Sierra, operating in the regional banks industry with a micro-cap market capitalization.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 42 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 9 Million (Quarterly Results - Mar 2025) <BR>Market-cap: USD 373.80 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 9.00 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 0.00 <BR>Return on Equity: 11.47% <BR>Price to Book: 1.06 <BR><BR>Contact Details:<BR>Address: 86 N Main St, PO Box 1930 PORTERVILLE CA : 93257-3712 <BR>Tel: 1 559 7824900 <BR>Website: http://www.sierrabancorp.com/

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Should I buy, sell or hold Sierra Bancorp?

22-Jun-2025

Who are in the management team of Sierra Bancorp?

22-Jun-2025

As of March 2022, the management team of Sierra Bancorp includes Independent Chairman Mr. Morris Tharp, President and CEO Mr. Kevin McPhaill, Vice Chairman Mr. James Holly, and several Independent Directors: Ms. Susan Abundis, Dr. Albert Berra, Ms. Julie Castle, Mr. Vonn Christenson, and Mr. Laurence Dutto. They oversee the company's strategic direction and governance.

As of March 2022, the management team of Sierra Bancorp includes the following individuals:<BR><BR>- Mr. Morris Tharp, who serves as the Independent Chairman of the Board.<BR>- Mr. Kevin McPhaill, who is the President, Chief Executive Officer, and a Director of both the Company and the Bank.<BR>- Mr. James Holly, who holds the position of Vice Chairman of the Board for both the Company and the Bank.<BR>- Ms. Susan Abundis, an Independent Director.<BR>- Dr. Albert Berra, an Independent Director.<BR>- Ms. Julie Castle, an Independent Director.<BR>- Mr. Vonn Christenson, an Independent Director.<BR>- Mr. Laurence Dutto, an Independent Director.<BR><BR>This team is responsible for guiding the strategic direction and governance of the company.

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Is Sierra Bancorp technically bullish or bearish?

20-Sep-2025

As of July 29, 2025, Sierra Bancorp's technical trend is mildly bullish, supported by a bullish weekly MACD and Bollinger Bands, despite mixed signals from other indicators and underperformance in longer-term returns compared to the S&P 500.

As of 29 July 2025, the technical trend for Sierra Bancorp has changed from bullish to mildly bullish. The weekly MACD is bullish, while the monthly MACD is mildly bearish. The weekly RSI indicates bearish momentum, and the monthly RSI shows no signal. Bollinger Bands are bullish for both weekly and monthly periods. Daily moving averages are bullish, and the KST shows a bullish weekly trend but is mildly bearish monthly. Dow Theory indicates no trend weekly and mildly bearish monthly. The OBV is mildly bullish weekly and shows no trend monthly. <BR><BR>In terms of performance, Sierra Bancorp has outperformed the S&P 500 over the past week and month, but it lags behind in the year-to-date and one-year returns, and significantly underperforms over three, five, and ten-year periods. Overall, the current stance is mildly bullish, driven primarily by the weekly MACD and Bollinger Bands.

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Is Sierra Bancorp overvalued or undervalued?

28-Oct-2025

As of October 24, 2025, Sierra Bancorp's valuation has improved to attractive, with a low P/E ratio of 9 and a PEG of 0.56 indicating strong growth potential, despite recent underperformance against the S&P 500, suggesting it is undervalued compared to peers in the regional banking sector.

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.<BR><BR>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%, respectively, indicating potential for recovery and growth.

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iScoreScore
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Strong Sell
Sell
Hold
Buy
Strong Buy

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Dashboard
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

3

With ROA of 0.73%, it has a attractive valuation with a 1.08 Price to Book Value

4

Reducing Promoter Confidence

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Regional Banks

stock-summary
Market cap

USD 413 Million (Micro Cap)

stock-summary
P/E

9.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

11.44%

stock-summary
Price to Book

1.16

Revenue and Profits:
Net Sales:
43 Million
(Quarterly Results - Jun 2025)
Net Profit:
11 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
6.66%
0%
6.66%
6 Months
17.75%
0%
17.75%
1 Year
5.1%
0%
5.1%
2 Years
66.09%
0%
66.09%
3 Years
44.44%
0%
44.44%
4 Years
26.84%
0%
26.84%
5 Years
38.1%
0%
38.1%

Sierra Bancorp for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
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
Valuation 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%
Technicals 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
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 36 Schemes (25.4%)

Foreign Institutions

Held by 32 Foreign Institutions (4.22%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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    "link": "annual",
    "btn_text": "All Annual Results",
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stock-summaryCompany CV
About Sierra Bancorp stock-summary
stock-summary
Sierra Bancorp
Regional Banks
Sierra Bancorp is a bank holding company for Bank of the Sierra (the Bank). The Bank is a state-chartered bank, which offers a range of retail and commercial banking services. The Bank's products and services are related to the business of lending money and accepting deposits. Its customers have access to electronic point-of-sale payment alternatives around the country through the Pulse Electronic Funds Transfer (EFT) network. Its Internet branch provides the ability to open deposit accounts online; an online banking option with bill-pay and mobile banking capabilities, including mobile check deposit; a customer service center that is accessible by toll-free telephone during business hours, and an automated telephone banking system. It offers a range of other banking products and services to complement and support its lending and deposit products, including remote deposit capture and automated payroll services for business customers.
Company Coordinates stock-summary
Company Details
86 N Main St,, PO Box 1930 PORTERVILLE CA : 93257-3712
stock-summary
Tel: 1 559 78249001 559 7824900
stock-summary
Registrar Details