SIERRA BANCORP (BSRR)
Financials · regional banking · NASDAQ
Sierra Bancorp is a California-based community bank holding company providing diversified commercial, agricultural, and retail banking services.
What SIERRA BANCORP does
Sierra Bancorp is a bank holding company that provides a range of commercial and consumer banking services through its subsidiary, Bank of the Sierra. Its core operations include accepting deposits and providing loans for commercial, real estate, and agricultural purposes, along with treasury management and other retail banking products. The company primarily serves communities within California.
Themes: commercial lending, community banking, agricultural finance
Fundamentals
- Price$39.72 as of 2026-10-08 close
- Market cap$515M as of 2026-07-27 (share count; price 2026-10-08)
- 1-year return+39.4% 2025-10-08 close $28.50 → 2026-10-08 close $39.72
- P/E11.66 as of 2026-10-08
- ROE+11.6% FY2025, SEC XBRL
- Debt / equity0.57 as of 2026-09-03
- Revenue growth (YoY)+37.6% as of 2026-09-03
- Beta0.81 as of 2026-09-03
- Last reported earnings2026-07-27 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +2.7%; 16-year non-decreasing per-share dividend streak (SEC XBRL).
How BSRR compares in its sector
- price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-08
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-03
- indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, BSRR's dividend was covered by reported results (earnings payout 32%, free-cash-flow payout 43%). This describes past coverage, not a forecast.
- Earnings payout32% dividends / net income
- Free-cash-flow payout43% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How SIERRA BANCORP looks technically
SIERRA BANCORP (BSRR) is trading 5.7% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 301 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 27, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 48, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 7 trading days ago.
Trend
8
| Distance from the 200-day | it is trading 5.7% above its 200-day average, the long-term trend line — a longer-term uptrend | +5.7% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $40.15 | $40.15 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $37.59 | $37.59 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 38.43. It is the only labelling that fits, and it describes the swings already printed, not what comes next. | possible three-wave downward correction, complete |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 301 trading days ago — a "golden cross", a bullish long-term signal | 301 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 27, with sellers in control | 27.4 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 48, neither overbought (above 70) nor oversold (below 30) | 48.2 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($38.43 to $40.46) — its "stochastic" reading is 64 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 63.6 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 14 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $43.13 | $43.13 |
|---|---|---|
| From the 52-week high | it is 7.9% below its 52-week high (its highest price of the past year) | -7.9% |
| Above the 52-week low | it is 49.9% above its 52-week low (its lowest price of the past year) | +49.9% |
| Below the 52-week high | it is 7.9% below its highest point of the past year | 7.9% |
| Since a 20-day breakout | it made a new 20-day low about 7 trading days ago | 7 sessions |
| Since a 55-day breakout | it made a new 55-day low about 7 trading days ago | 7 sessions |
| All-time high | its highest closing price on record is $43.13 (set on 2026-07-16) | $43.13 |
| Given back of the 52-week move | over the past year its closes ranged ($26.59 to $42.85), and it has given back roughly a quarter of its rise from last year’s low — 19% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $32.28 to $32.80. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 19.3% |
| From the all-time high | it is 7.9% below its all-time high | -7.9% |
| Nearest price level | it is trading 0.6% above a support level at $39.48 — a price it turned at three times since 2026-07-08, most recently on 2026-08-26. Since 2024-10-08 it has 14 such levels below the current price and 2 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.6% |
| All-time low | its lowest closing price on record is $6.10 (set on 2009-02-27) | $6.10 |
| Above the all-time low | it is 551.1% above its all-time low | +551.1% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 33rd percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.8058 between its high and its low — about 2.0% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.8058 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $38.73 and $41.04 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $38.73 – $39.88 – $41.04 |
| Typical daily range (% of price) | its price moves about 2.0% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.0% |
| Stretch from the 200-day average | it is trading 2.7 daily ranges above its 200-day average price (5.7% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 2.7 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.95× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
1
| Since a bearish engulfing | 3 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 3 sessions ago |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-10-08 at essentially the same price it closed at the session before — no meaningful overnight gap | -0.0% |
|---|---|---|
| Gap filled | a 3.1% gap down opened on 2026-07-27 has been "filled" 38 sessions ago — price traded back through the level the gap left behind, and it took 14 sessions to close | 38 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 3.4 percentage points (the stock lost 2.4% while the market gained 1.0%) | -3.4% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 4.8 percentage points (the stock lost 0.9% while the market gained 3.8%) | -4.8% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 2.0 percentage points (the stock gained 15.5% while the market gained 17.5%) | -2.0% |
| vs market, 12 months | over the past 12 months this stock beat the market by 24.4 percentage points (the stock gained 39.4% while the market gained 15.0%) | +24.4% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bearish state: MACD momentum is negative, a strong downtrend, with sellers in control, lagging the market over 6 months — these describe past price behaviour, not a forecast | 3 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is moderate, spanning 2.6% of the share price. | 0.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 5% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $37.96 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP. | +4.7% |
|---|---|---|
| Vs the average paid since it last reported | the price is 1% below the average price paid since it last reported on 2026-07-27 (its 8-K), so the typical buyer over that stretch is under water. That average is $40.30 — a volume-weighted average of daily closes over 53 sessions, not a true tick-by-tick VWAP. | -1.4% |
Price levels it has turned at before
BSRR last closed at $39.72 on 2026-10-08. Since 2024-10-08 it has turned at 14 prices below its last close and 2 above; the 3 nearest below and the 2 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $39.48 | Support | 0.6% below the last close | turned there three times · 2026-07-08 to 2026-08-26 |
| $38.52 | Support | 3.0% below the last close | turned there six times · 2026-02-06 to 2026-10-01 |
| $41.26 | Resistance | 3.9% above the last close | turned there three times · 2026-06-11 to 2026-09-15 |
| $37.51 | Support | 5.6% below the last close | turned there three times · 2026-04-17 to 2026-06-01 |
| $42.16 | Resistance | 6.1% above the last close | turned there twice · 2026-07-02 to 2026-08-14 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $38.43.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This reading has stood for 1 trading day, since 2026-10-08.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Trading inside the Ichimoku cloud · Near a support level (sitting on a price it has bounced off before) | Learn: moving average · golden cross · adx · rsi · breakout
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingHold (2.60 mean, 1=Strong Buy…5=Strong Sell) — 4 analysts
- Mean price target$43.00 range $39.00 – $47.00
Analyst estimates, as of 2026-10-07. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for BSRR
- Consensus EPS estimate$0.906 next reporting period, as of 2026-10-07
- Estimate change, 30 days-$0.002 (-0.2%) from $0.908, on 2026-09-02, 35-day window
- Readings revised upward0% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Exposure to credit risk in loan portfolio, including potential for credit losses.","Sensitivity to changes in interest rates impacting net interest margin.","Dependency on economic conditions within the specific California regional markets served."]
What changed in the latest 10-Q
AI-assisted comparison of BSRR's 10-Q filed 2026-07-31 against the prior one filed 2026-05-01.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-07-31) adds a Results of Operations Summary for Second Quarter 2026 Compared to Second Quarter 2025, including second quarter 2026 net income of $9.9 million and $0.77 per diluted share versus $10.6 million and $0.78 per diluted share in second quarter 2025.
- Newer filing (2026-07-31) adds annualized return on average equity of 10.90% and annualized return on average assets of 1.09% for the quarter ended June 30, 2026, compared to 12.08% and 1.16%, respectively, for the same quarter in 2025.
- Newer filing (2026-07-31) adds a bullet describing a $1.1 million increase in credit loss expense on loans, resulting primarily from a $2.5 million specific reserve on a single agricultural production loan to a borrower in the lumber industry.
- Newer filing (2026-07-31) adds a bullet stating net interest income remained stable, decreasing $0.2 million, while noninterest income increased slightly and noninterest expense decreased by $0.3 million.
- Newer filing (2026-07-31) adds a bullet describing a $0.4 million increase in earnings from separate account life insurance and a $0.1 million increase in deferred compensation expense, noting these are designed to offset each other.
- Newer filing (2026-07-31) adds a partially truncated bullet stating noninterest expense in the second quarter of 2026 included approximately $0.5 million of seve (text appears cut off).
- Removed:
- Older filing (2026-05-01) contains a Results of Operations Summary for First Quarter 2026 Compared to First Quarter 2025, which is absent from the newer filing, including first quarter 2026 net income of $12.5 million and $0.96 per diluted share versus $9.1 million and $0.65 per diluted share in first quarter 2025.
- Older filing (2026-05-01) contains annualized return on average equity of 13.88% and annualized return on average assets of 1.39% for the quarter March 31, 2026, compared to 10.44% and 1.02%, respectively, for the same quarter in 2025.
- Older filing (2026-05-01) contains a bullet stating net income for the first quarter of 2026 increased $3.4 million, or 38%, to $12.5 million, with favorable changes including a decrease in provision for credit losses of $2.0 million, or 99%, an increase in net interest income of $0.5 million, or 2%, an increase in noninterest income of $1.3 million, or 20%, and a $0.6 million, or 3%, reduction in noninterest expense.
- Older filing (2026-05-01) contains a bullet stating the $0.5 million increase in net interest income was due to a $0.8 million decrease in interest expense partially offset by a $0.3 million decrease in interest income.
- Older filing (2026-05-01) contains a partially truncated bullet stating the decrease of $2.0 million in the provision for credit losses was primarily due to an increased specific reserve in the first quarter of 2025 on an individually evaluated (text appears cut off).
- Reworded:
- Newer filing changes the results summary period heading from 'First Quarter 2026 Compared to First Quarter 2025' (older) to 'Second Quarter 2026 Compared to Second Quarter 2025'.
- Newer filing changes the table of contents page reference from 32 to 35 and from 33 to 36, reflecting replacement of the quarterly results summary content.
- Notes:
- The newer filing's final bullet in the Results of Operations Summary is truncated in the provided text at 'approximately $0.5 million of seve', so a complete comparison of that bullet's ending is not possible.
- The older filing's final bullet in the Results of Operations Summary is truncated in the provided text at 'an individually evaluated', so a complete comparison of that bullet's ending is not possible.
Risk Factors
- Added:
- Newer filing (2026-07-31) added stock repurchase data for the periods April 1 - April 30, 2026 (2,329 shares at $36.08), May 1 - May 31, 2026 (100,207 shares at $37.49), and June 1 - June 30, 2026 (30,261 shares at $37.83).
- Newer filing (2026-07-31) added a total row of 132,797 shares purchased in the Stock Repurchases table.
- Newer filing (2026-07-31) included exhibit 10.22 described as 'Director Emeritus Plan (22)*' in the exhibit list.
- Removed:
- Older filing (2026-05-01) contained stock repurchase data for the periods January 1 - January 31, 2026 (88,239 shares at $33.61), February 1 - February 28, 2026 (175,393 shares at $36.97), and March 1 - March 31, 2026 (0 shares), which is not present in the newer filing.
- Older filing (2026-05-01) contained a total row of 263,632 shares purchased in the Stock Repurchases table, which is not present in the newer filing.
- Older filing (2026-05-01) included exhibit 10.22 described as 'Employment agreement dated as of July 01, 2025, for William Wade, Chief Operating Officer (22)*' in the exhibit list, which is not present in the newer filing.
- Notes:
- The provided 'Risk Factors' section text includes Item 2, Item 3, Item 4, Item 5, and Item 6 content because the extraction includes adjoining sections beyond the stated Risk Factors section.
- The newer filing text is truncated at the footnote description '(22) Filed a', so the complete footnote text for exhibit 10.22 in the newer filing could not be compared.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 1 open-market sale by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 90 days · read to 2026-10-040 buys · 1 sell ($40703) — 1 selling insider
- Last 180 days · read to 2026-10-040 buys · 5 sells ($994788) — 4 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-07-31. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about BSRR's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding BSRR as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 1,991,776
- Reported value $81,184,793
reported quarterly holdings change (2026-03-31 → 2026-06-30): 1 new, 3 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about BSRR's institutional holders → See what each manager we track holds →
Short interest (FINRA)
BSRR had 434,821 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
BSRR had 3.35% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 8.95 days to cover at the same settlement.
- Reported short interest (shares) 434,821
- Short interest (% of shares outstanding) 3.35%
- Prior settlement (shares) 426,813
- Reported change 1.88%
- Days to cover (reported) 8.95
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- TriCo Bancshares (TCBK)
- CVB Financial (CVBF)
- Mechanics Bank
- Central Valley Community Bancorp
- Hanmi Financial (HAFC)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare BSRR vs…
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Frequently asked questions
What does SIERRA BANCORP (BSRR) do?
Sierra Bancorp is a bank holding company that provides a range of commercial and consumer banking services through its subsidiary, Bank of the Sierra. Its core operations include accepting deposits and providing loans for commercial, real estate, and agricultural purposes, along with treasury management and other retail banking products. The company primarily serves communities within California.
What sector is SIERRA BANCORP (BSRR) in?
SIERRA BANCORP (BSRR) is classified in the Financials sector. Its industry is regional banking. It trades on NASDAQ.
Does BSRR pay a dividend?
Yes — SIERRA BANCORP (BSRR) pays a dividend, with an indicated yield of about 2.69% and 16-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-09-03). Informational only — not financial advice.
Who are SIERRA BANCORP's (BSRR) competitors?
Notable peers of SIERRA BANCORP (BSRR) include TriCo Bancshares, CVB Financial, Mechanics Bank, Central Valley Community Bancorp and Hanmi Financial. This peer set is informational only — not financial advice.
Is SIERRA BANCORP (BSRR) overbought or oversold right now?
SIERRA BANCORP (BSRR) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 48, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on BSRR come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.