BSRR · Sierra Bancorp
$41.09
+0.11 (+0.27%)
At close · Jul 29
Market Cap
$535.98M
Shares
13.08M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$40.98
Open$41.40
Day$40.78–41.74
52W$26.08–43.13
Avg vol 30d74K
Short int382K · 2.9% float · 8.0d
Short vol77%
DataJan 2020–Jul 2026
Filing10-Q · May 1
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed May 1, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 18.2 · elevated
Equity put/call 0.71
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+17%
above
Price vs 50-day avg
+3%
above
RSI (14)
51
neutral
MACD trend
Negative
52-week position
87%
near high
Momentum
relative strength
1-month return
0%
trailing
6-month return
+11%
trailing
YTD return
+26%
this year
Relative strength
+4%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $40 › 200d $35 — 50d above 200d
Institutional flow
Accumulating
20 of 115 funds reported for Jun 30 · net +13.5K sh shares · +4 new
Insider flow
Distributing
Net -$954.1K over 90 days · 100% sells
Short interest
Rising
2.92% of float · ▲ +4.0% MoM · 8.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
115 holders — near 3-yr high, broad support
Squeeze score
66
elevated · 0–100
Fundamentals
EPS growth
+10%
Y/Y
Free cash flow
$32.2M
Valuation
P/E 12
below peers
Balance sheet
$86.1M
net cash
Quant / Vol
risk profile
Volatility
27%
annualized · 1-yr
Max drawdown
−15%
past year
ATR
3.1%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+17%
Bullish
Price vs 50-day avg
+3%
Bullish
RSI (14)
51
Neutral
MACD trend
Negative
Bearish
52-week position
87%
Bullish
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $40 › 200d $35 — 50d above 200d
Institutional flow
Accumulating
20 of 115 funds reported for Jun 30 · net +13.5K sh shares · +4 new
Insider flow
Distributing
Net -$954.1K over 90 days · 100% sells
Short interest
Rising
2.92% of float · ▲ +4.0% MoM · 8.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
115 holders — near 3-yr high, broad support
Price context
position in its 52-week range
52-wk low $26
Now $41 · 87%
52-wk high $43
vs 200-day avg +17%
vs 50-day avg +3%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Community Bank Leverage Ratio | 12.25% | June 30, 2026 | +2.6% |
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| Cost of funds | 1.31% | second quarter of 2026 | — |
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| Cost of total deposits | 1.11% | second quarter of 2026 | — |
| Mortgage warehouse balances | $60.9M | first six months of 2026 | -88.3% |
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| Net interest margin | 3.75% | first half of 2026 | — |
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| Noninterest-bearing deposits | 1.03B | June 30, 2026 | — |
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| Overall primary and secondary liquidity sources | 1.9B | June 30, 2026 | — |
| Return on average assets | 1.24% | first half of 2026 | — |
| Return on average equity | 12.38% | first half of 2026 | — |
| Shares repurchased during the quarter | 396,429 | first half of 2026 | — |
| Net interest margin (tax-equivalent) non-GAAP | 3.75% | three months ended 3/31/2026 | — |
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| Cost of average total deposits | 1.14% | Q4 2025 | — |
| Efficiency ratio (tax-equivalent) non-GAAP | 58.91% | Full year 2025 | — |
| Noninterest-bearing deposits over total deposits | 34.6% | At December 31, 2025 | — |
| Pre-tax pre-provision for credit losses income non-GAAP | $62.4M | Full year 2025 | — |
| Tangible book value per share non-GAAP | $25.42 | At December 31, 2025 | — |
| Tangible common equity ratio non-GAAP | 8.88% | At December 31, 2025 | — |
| Tangible common equity ratio (subsidiary bank) non-GAAP | 10.92% | At December 31, 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
BSRR
this stock
Sierra Bancorp
|
$535.98M | +26.3% | — | 12.0 | 2.9% |
|
HDB
Hdfc Bank Ltd
|
$121.08B | -35.5% | +15.2% | — | 0.4% |
|
MFG
Mizuho Financial Group Inc
|
$119.51B | +37.8% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$106.74B | +1.5% | — | — | 0.6% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.03B | +21.5% | +7.2% | 14.6 | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| BSRR | -1.7% | -0.2% | +11.1% | +0.5% | +26.3% |
| SPY | -1.0% | 0.0% | +7.4% | -0.8% | +8.6% |
| vs SPY | -0.7% | -0.2% | +3.7% | +1.3% | +17.6% |
Capital returns
Latest dividend
$0.26
/ share · ex May 4, 2026
Paid (TTM)
$1.02
/ share · 4 payouts
Dividend yield (TTM, derived)
2.49%
Buyback program
· as of Dec 31, 2024
Authorized
shares 1.00M
Spent (derived)
shares 222,039
Remaining
shares 777,961
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1130144
CUSIP
82620P102
13F (30d)
20 filings
20 filers
Visit website
Investor relations