SIERRA BANCORP (BSRR)
Financials · Regional community bank holding company · NASDAQ
A regional California bank holding company with $3.8 billion in assets, operating 34 branches across the South San Joaquin Valley and Central Coast, focused on commercial real estate, agricultural, and small business lending.
What SIERRA BANCORP does
Sierra Bancorp is a California-based bank holding company whose primary subsidiary, Bank of the Sierra, operates 34 full-service branches across California's South San Joaquin Valley, Central Coast, Ventura County, and neighboring communities. The bank offers a comprehensive range of retail and commercial banking services including deposits, lending (real estate, commercial, agricultural, consumer, and mortgage warehouse loans), and complementary services such as online and mobile banking, remote deposit capture, and payroll services. The company generates revenue primarily through net interest income from its loan portfolio and deposits, along with noninterest income from service charges and other banking fees.
Themes: ["community banking","commercial lending","agricultural banking","regional bank holdings","retail banking services"]
Fundamentals
- Price$40.77 as of 2026-07-09 close
- Market cap$527M as of 2026-07-10
- 1-year return+26.7% as of 2026-07-09 close
- P/E11.52 as of 2026-07-10
- Net margin+24.6% as of 2026-07-10
- ROE+12.7% as of 2026-07-10
- Debt / equity0.59 as of 2026-07-10
- Revenue growth (YoY)+37.6% as of 2026-07-10
- Beta0.77 as of 2026-07-10
Dividend: yield +2.6%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Credit risk exposure from commercial real estate and agricultural loan portfolio concentrations in California's San Joaquin Valley and Central Coast regions","Interest rate sensitivity and net interest margin compression amid potential rate environment changes, as deposits and debt obligations carry variable interest rate components","Regional economic and agricultural market dependence on California's South San Joaquin Valley, which exposes the bank to sector-specific downturns and economic volatility"]
Competitors & peers
- Rabobank (private, California Central Coast regional bank)
- Mechanics Bank (Bay Area and Northern California regional bank)
- Westamerica Bancorporation (WAFD) (California regional bank)
- Umpqua Holdings (UMPQ) (Western regional bank)
- Banner Corporation (BANR) (Western regional bank)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.