BSRR
Sierra Bancorp
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Last price
41.41
▲ 1.74 (4.39%)
MARKET · —
Price
Open
40.12
Prev close
39.67
Day high
40.40
Day low
39.28
Volume
111.13K
Market cap
$517.50M
P/E (TTM)
11.74
52W range
26.49 – 43.13
Trailing performance
Returnvs SPY
1W
-2.66%
-1.3%
1M
-4.31%
-8.0%
3M
+3.69%
+0.6%
6M
+6.34%
-4.7%
YTD
+22.15%
+9.9%
1Y
+36.43%
+16.4%
3Y
+95.40%
+21.2%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$517.50M
Enterprise value$730.88M
Revenue (TTM)$151.83M
Gross profit$151.83M
EBITDA—
Net income$45.03M
EPS (TTM)$3.40
Free cash flow—
Total cash$142.70M
Total debt$363.00M
Book value / share$28.69
Shares outstanding12.96M
Float11.39M
Short % of float3.29%
Dividend yield2.71%
Beta (5Y)0.76
Valuation & profitability ratios
Trailing P/E11.74
Forward P/E10.55
PEG ratio1.43
Price / sales—
Price / book1.39
EV / revenue4.81
EV / EBITDA—
Gross margin0.00%
Operating margin36.10%
Profit margin29.66%
Return on equity12.46%
Return on assets1.20%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total revenue | $155.28M | $152.24M | $142.81M | $140.38M |
| Cost of revenue | $0 | $0 | $0 | $0 |
| Gross profit | $0 | $0 | $0 | $0 |
| R&D | — | — | — | — |
| SG&A | — | — | — | — |
| Operating income | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax provision | $0 | $0 | $0 | $0 |
| Net income | $42.33M | $40.56M | $34.84M | $33.66M |
| EBIT | $0 | $0 | $0 | $0 |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Cash & equivalents | — | — | — | — |
| Short-term investments | — | — | — | — |
| Net receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Total current assets | — | — | — | — |
| Total assets | — | — | — | — |
| Total current liabilities | — | — | — | — |
| Long-term debt | — | — | — | — |
| Total liabilities | — | — | — | — |
| Retained earnings | — | — | — | — |
| Shareholder equity | — | — | — | — |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Net income | $42.33M | $40.56M | $34.84M | $33.66M |
| Depreciation | — | — | — | — |
| Change in working capital | — | — | — | — |
| Operating cash flow | — | — | — | — |
| Capital expenditure | — | — | — | — |
| Investing cash flow | — | — | — | — |
| Dividends paid | — | — | — | — |
| Buybacks | — | — | — | — |
| Financing cash flow | — | — | — | — |
| Net change in cash | — | — | — | — |
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.89 | 0.77 | -13.7% |
| Mar 2026 | 0.82 | 0.96 | +17.1% |
| Dec 2025 | 0.87 | 0.97 | +12.1% |
| Sep 2025 | 0.78 | 0.72 | -8.2% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.91 | 5 | $39.25M | -1.9% |
| Next quarter | 0.92 | 5 | $39.45M | +0.4% |
| Current year | 3.55 | 5 | $156.65M | +0.9% |
| Next year | 3.78 | 5 | $161.70M | +3.2% |
Analyst targets & ownership
Mean target$43.00
High target$47.00
Low target$39.00
Implied upside3.84%
Analyst count4
ConsensusNONE
Strong buy / Buy0 / 1
Hold4
Sell / Strong sell0 / 0
Held by insiders10.93%
Held by institutions62.31%
Institutions holding182
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
-11.00K
Net selling
Buy transactions
3
15.00K shares
Sell transactions
5
26.00K shares
Net transactions
+8
Buys less sells
Sell : buy shares
1.7 : 1
Mixed
Insider-held shares
1.40M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jul 31, 26 | CASTLE JULIE G Director |
SELL | 1.00K | $40.70K | Direct |
| May 29, 26 | BOYLE HUGH F. Officer |
SELL | 10.00K | $382.09K | Direct |
| May 22, 26 | TREECE CHRISTOPHER G Chief Financial Officer |
SELL | 10.00K | $381.77K | Direct |
| May 22, 26 | TREECE CHRISTOPHER G Chief Financial Officer |
CONVERSION | 10.00K | $271.10K | Direct |
| May 18, 26 | CHRISTENSON VONN R. Director |
SELL | 1.05K | $40.03K | Direct |
| May 18, 26 | CHRISTENSON VONN R. Director |
CONVERSION | 1.05K | $29.70K | Direct |
| May 8, 26 | CHRISTENSON VONN R. Director |
SELL | 3.95K | $150.20K | Direct |
| May 8, 26 | CHRISTENSON VONN R. Director |
CONVERSION | 3.95K | $111.34K | Direct |
| Feb 17, 26 | BERRA ALBERT L Director |
CONVERSION | 5.00K | $86.25K | Direct |
| Feb 13, 26 | CASTLE JULIE G Director |
SELL | 250 | $9.38K | Direct |
| Feb 12, 26 | TREECE CHRISTOPHER G Chief Financial Officer |
STOCK | 6.95K | $0 | Direct |
| Feb 12, 26 | MCPHAILL KEVIN J Chief Executive Officer |
STOCK | 13.20K | $0 | Direct |
| Feb 12, 26 | OLAGUE MICHAEL W Officer |
STOCK | 6.95K | $0 | Direct |
| Feb 12, 26 | BOYLE HUGH F. Officer |
STOCK | 5.37K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BERRA ALBERT L |
Director | 280.81K | Conversion of Exercise of derivative security |
BOYLE HUGH F. |
Officer | 21.78K | Sale |
COEN NATALIA M |
Officer | 27.49K | Stock Award(Grant) |
DUTTO LAURENCE S |
Director | 16.51K | Stock Award(Grant) |
HOLLY JAMES C |
Director | 344.11K | Sale |
MCPHAILL KEVIN J |
Chief Executive Officer | 89.86K | Stock Award(Grant) |
OLAGUE MICHAEL W |
Officer | 36.27K | Stock Award(Grant) |
SCEARCY LYNDA |
Director | 41.27K | Sale |
THARP MORRIS A |
Director | 430.90K | Stock Award(Grant) |
TREECE CHRISTOPHER G |
Chief Financial Officer | 39.09K | Sale |
Moving averages & technicals
SMA 10
40.39
+2.53% from price
SMA 20
40.57
-1.61% from price
SMA 50
40.76
-2.07% from price
SMA 100
38.88
+6.52% from price
SMA 200
36.24
+10.16% from price
EMA 12
40.38
+2.56% from price
EMA 26
40.57
+2.07% from price
EMA 50
40.26
+2.86% from price
RSI (14)
42.5
Neutral
MACD (12,26,9)
-0.20
Hist -0.13
ATR (14)
1.00
2.49% of price
Realised vol 30D
17.2%
Annualised
Bollinger upper
41.46
20, 2σ
Bollinger lower
39.68
20, 2σ
50 / 200 cross
Golden
40.76 vs 36.24
Trend bias
Above 200
+10.16%
Risk profile
Beta vs SPY
0.49
Less volatile than market
Correlation to SPY
0.24
Largely independent
Realised vol 30D
17.2%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-15.3%
Peak to trough
Max drawdown 5Y
-46.3%
Peak to trough
ATR 14
1.00
2.49% of price
Beta (reported)
0.76
5Y monthly, from filing
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Options analytics
Put / call volume
0.00
Call-heavy session
Put / call open interest
0.00
Positioning, not flow
Max pain
30.00
-24.8% from spot
ATM implied vol
55.3%
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
40
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
35.00
41 contracts
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Headlines
Is the Options Market Predicting a Spike in Sierra Bancorp Stock?
Zacks · 11d ago
Sierra Bancorp's Dividend Analysis
GuruFocus.com · 19d ago
Sierra Bancorp Reports 20% First-Half EPS Growth as Deposit Costs Decline
InvestorsHub · 26d ago
Compared to Estimates, Sierra Bancorp (BSRR) Q2 Earnings: A Look at Key Metrics
Zacks · 26d ago
Sierra Bancorp (BSRR) Lags Q2 Earnings and Revenue Estimates
Zacks · 26d ago
Sierra Bancorp: Q2 Earnings Snapshot
Associated Press · 26d ago
Sierra Bancorp Reports Financial Results for Second Quarter and First Six Months of 2026
Business Wire · 26d ago
Sierra Bancorp Announces 4% Increase in Quarterly Cash Dividend
Business Wire · 29d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.