# Sierra Bancorp (BSRR) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $41.08, market value $532 million.

## Valuation
- **P/E (trailing): 12.1×** (5-yr avg 9.1×, 3-yr avg 9.6×). Sierra Bancorp trades at 12.1× trailing earnings, well above its own five-year average of 9.1×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.9×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 1.06**. A PEG of 1.06 is in the range usually read as fairly priced for its growth.
- **Price / book: 1.4×**. The shares trade at 1.4× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 8.4%** (5-yr avg 13.0%). Free cash flow equals 8.4% of the market value, below its five-year average of 13.0%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.3%**. The inverse of the P/E: 8.3% of the price is earned each year.

## Profitability
- **Return on equity: 11.6%**. 11.6% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 10.3%** (3-yr 11.6%/yr, 5-yr 6.0%/yr). Earnings per share rose 10.3%.
- **Free-cash-flow growth (3 yr): -0.1%/yr**. Free cash flow has compounded at -0.1% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.
- **Cash and short-term investments: $136 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.63%** ($1.04 per share, trailing). Sierra Bancorp yields 2.63%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 32%** (30% of free cash flow). 32% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 14**. 14 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 4.6%/yr** (1-yr 6.4%). The dividend has grown 4.6% a year over five years.

## Price and momentum
- **Total return (1 yr): 37.0%** (YTD 27.5%, 3-mo 5.1%). The shares are up 37.0% over twelve months including dividends.
- **From 52-week high: -4.8%** (55.1% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 59**. An RSI of 59 is neutral.
- **Beta (1 yr): 0.52** (volatility 26%). Beta of 0.52 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=BSRR · Page: https://foliofundamentals.com/stocks/bsrr

Not investment advice.