profit from every $100 of sales.
$0$100
Sierra Bancorp
$42.06+0.10% today
+42.8% in 1 year
1-year low $28.591-year high $42.92
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $12.88 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Sierra Bancorp sold, what it kept, and what it did with the cash.
Sales went from $130 million in 2022 to $146 million in 2025, with $42.3 million of profit last year.
SalesProfit
Sierra Bancorp handed back more cash to shareholders than it generated last year.
Buybacks $32M$14M
Free cash flow 2025$32M
Bought back its own shares$32M
Paid as dividends$14M
Cash vs. debt$136M vs. $388M
Sierra Bancorp vs. similar companies
Sierra Bancorp grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Sierra Bancorp | 12.9× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Sierra Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 130 | 118 | 139 | 146 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 34 | 35 | 41 | 42 | |
| 2.25 | 2.36 | 2.82 | 3.11 | |
| – | – | – | – | |
| – | – | – | – | |
| 25.8% | 29.5% | 29.2% | 28.9% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 3,609 | 3,730 | 3,614 | 3,829 |
| Cash | 77 | 79 | 101 | 136 |
| Total debt | 304 | 315 | 165 | 388 |
| Total liabilities | 3,305 | 3,392 | 3,257 | 3,464 |
| 304 | 338 | 357 | 365 | |
| 15 | 15 | 14 | 14 | |
| – | – | – | – | |
| 11.1% | 10.3% | 11.4% | 11.6% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 34 | 53 | 57 | 34 | |
| 1 | 1 | 1 | 2 | |
| 32 | 52 | 56 | 32 | |
| Dividends paid | 14 | 14 | 14 | 14 |
| 5 | 9 | 16 | 32 | |
| 1 | 2 | 2 | 2 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 12.9×
- 11.3×
- 1.13
- 1.4×
- 3.7×
- 7.8%
- 2.7%
Profitability
- 28.9%
- 5.5%
- 5.5%
- 12.7%
- 1.2%
Growth
- +4.0%
- +11.4%
- +4.6%
- −3.0%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 43%of 827
Top 30%of 709
Top 44%of 876
Bottom 33%of 879
Bottom 48%of 926
What analysts expect
- Average price target
- $44.00
- Range
- $44.00 – $44.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 27, 2026 | 0.96 | 0.82 | +17.1% |
| Feb 2, 2026 | 0.97 | 0.85 | +14.1% |
| Oct 27, 2025 | 0.72 | 0.79 | −8.9% |
| Jul 28, 2025 | 0.78 | 0.74 | +5.4% |
| Apr 28, 2025 | 0.65 | 0.66 | −1.5% |
| Jan 27, 2025 | 0.72 | 0.72 | +0.0% |
| Oct 21, 2024 | 0.74 | 0.73 | +1.4% |
| Jul 22, 2024 | 0.71 | 0.60 | +18.3% |
2.7%of the share price, paid each year
On $1,000 invested$27a year at today's yield, before tax
+4.6%2020 to 2025
Raised2 yearsin a row, in our data
Paid per share, each year
$0.42 in 2015 → $1.00 in 2025
How safe it looks
32.4% of its profit
Room to growStretchedMore than it earns: 42.7%
News
Ibex forecasts FY2027 revenue of $700M-$715M as Sierra AI partnership scalesSeeking Alpha · Sep 10, 2026The newest story we have is from Sep 10, 2026.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
2/7Passes 2 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
54No pass
Benjamin Graham
65Pass
Philip Fisher
68Pass
Peter Lynch
56No pass
Joel Greenblatt
18No pass
Charlie Munger
50No pass
Terry Smith
43No pass
Questions about Sierra Bancorp
Is Sierra Bancorp a good stock to buy?
A strong, very profitable business, and the price looks low. 2 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Sierra Bancorp AI analysis
What does Sierra Bancorp do?
Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking services to individuals and businesses in California. It is in Banks - Regional.
Does Sierra Bancorp pay a dividend?
Yes. At today's price the dividend is 2.7% a year, about 32% of its yearly profit. In 2025 it paid out $13.7 million in dividends.
Is Sierra Bancorp stock halal?
No. Sierra Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Sierra Bancorp stock done over the past year?
Up 42.8% over the past twelve months, to $42.06. It traded between $28.59 and $42.92 and is 2.0% below its high.
Who are Sierra Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Sierra Bancorp's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.