BSRR · Sierra Bancorp

Track BSRR — free

$39.67 -0.05 (-0.13%) At close · Aug 20

Market Cap

$514.26M

12.96M

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FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Jul 31, 2026

Equibles Rating

blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Neutral Momentum Strong Sentiment Bullish Fundamentals Strong Quant / Vol Moderate

Market backdrop VIX 14.9 · calm Equity put/call 0.52

Technical

price trend

Neutral

50 / 200-day cross No cross

Price vs 200-day avg +10%

above

Price vs 50-day avg −3%

below

RSI (14) 39

neutral

MACD trend Negative

52-week position 80%

mid-range

Volume (OBV) Confirms

volume backs price

Momentum

relative strength

Strong

1-month return −5%

trailing

6-month return +10%

trailing

YTD return +21%

this year

Relative strength −1%

vs S&P · 6-mo

Sentiment

smart money

Bullish

Trend (MA cross) No cross

50d $41 › 200d $36 — 50d above 200d

Institutional flow Accumulating

+7% holders QoQ · +17 funds added

Insider flow Distributing

Net -$422.8K over 90 days · 100% sells

Short interest Falling

2.94% of float · ▼ -0.4% MoM · 4.8 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

124 holders — near 3-yr high, broad support

Squeeze score 57

elevated · 0–100

Fundamentals

Strong

EPS growth +10%

Y/Y

Free cash flow $32.2M

Valuation P/E 11.6

below peers

Balance sheet $217.9M

net debt

Quant / Vol

risk profile

Moderate

Volatility 27%

annualized · 1-yr

Max drawdown −15%

past year

ATR 2.9%

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 Neutral

1 · 5 · 1

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+10% Bullish

Price vs 50-day avg

−3% Neutral

RSI (14)

39 Neutral

MACD trend

Negative Bearish

52-week position

80% Neutral

Volume (OBV)

Confirms Neutral

Market signals — smart money & positioning

Bullish · 3 of 6

Trend (MA cross) No cross

50d $41 › 200d $36 — 50d above 200d

Institutional flow Accumulating

+7% holders QoQ · +17 funds added

Insider flow Distributing

Net -$422.8K over 90 days · 100% sells

Short interest Falling

2.94% of float · ▼ -0.4% MoM · 4.8 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

124 holders — near 3-yr high, broad support

Price context

position in its 52-week range

Range low $27 Now $40 · 80% Range high $43

vs 200-day avg +10% vs 50-day avg -3%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
Community Bank Leverage Ratio	12.25%	Q2 FY2026	—
Cost of funds	1.31%	Q2 FY2026	—

Cost of total deposits	1.11%	Q2 FY2026	—
Efficiency ratio non-GAAP	57.7%	the first six months of 2026	—
Efficiency ratio (tax-equivalent) non-GAAP	57.7%	Six months ended 6/30/2026	—

Mortgage warehouse facilities	457.46M	Q2 2026	—
Net interest margin	3.75%	the first six months of 2026	—
Noninterest-bearing deposits over total deposits	35.02%	Q2 2026	—
Pre-tax pre-provision income non-GAAP	$32.2M	the first six months of 2026	—
Return on average assets	1.24%	Six months ended 6/30/2026	—

Return on average equity	12.38%	Six months ended 6/30/2026	—

Shares repurchased during the quarter	396,429	the first six months of 2026	—
Tangible common equity ratio non-GAAP	9.19%	Q2 2026	—
Tangible common equity ratio (bank only) non-GAAP	11.37%	Q2 2026	—
Net interest margin (tax-equivalent) non-GAAP	3.75%	three months ended 3/31/2026	—

Noninterest-bearing deposits	$1.03B	as of March 31, 2026	—
Community bank leverage ratio (subsidiary bank)	11.94%	At December 31, 2025	—
Cost of average total deposits	1.14%	Q4 2025	—
Mortgage warehouse balances	$518.3M	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 (subsidiary bank) non-GAAP	10.92%	At December 31, 2025	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
BSRR Sierra Bancorp this stock	$514.26M	+21.4%	—	11.6	2.9%
MFG Mizuho Financial Group Inc	$123.19B	+38.4%	—	—	0.1%
HDB Hdfc Bank Ltd	$118.97B	-36.1%	+15.2%	—	0.5%
IBN Icici Bank Ltd	$105.45B	-0.4%	—	—	0.5%
CIXPF CaixaBank/ADR	$100.59B	+18.7%	—	—	0.1%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

124

% held: 60.0%
Net QoQ: +196.2K sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

174

View

Short & Settlement

Short Interest Falling

Shares short

380.7K

Days to cover: 4.8d
Change: -1.6K sh

View

Short Volume

Short vol %

65%

As of: Aug 20, 2026

Short Total

View

Fails to Deliver

FTD shares

Value: $2.3K
As of: Jul 31, 2026

View

Off-Exchange

Off-exchange %

22.3%

Week of: Jul 13, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$422.8K

Buyers / Sellers: 0 / 2

Buyers Sellers

View

Financials

Net income (FY)

$42.3M

EPS diluted: $3.11

View

Buybacks

Authorized

shares 1.0M

Remaining: shares 778.0K

Spent Remaining

View

Filings

SEC Filings

Latest

10-Q

Filed: Jul 31, 2026
This year: 16

View

Proposed Sales

Value

$382.1K

Shares: 10.0K
Filed: May 29, 2026

View

Exempt Offerings

Offering

$50.0M

Filed: Oct 6, 2021

View

Earnings & Events

Earnings Calls

Last call

Jul 27, 2026

View

Performance

	5D	20D	120D	MTD	YTD
BSRR	-3.3%	-4.9%	+10.3%	-2.7%	+21.4%
SPY	-2.0%	+3.3%	+11.2%	+2.1%	+11.8%
vs SPY	-1.4%	-8.2%	-0.9%	-4.8%	+9.6%

Capital returns

Latest dividend

$0.27 / share · ex Aug 3, 2026

Raised 3.8%

Paid (TTM)

$1.04 / share · 4 payouts

Dividend yield (TTM, derived)

2.62%

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) 111 filings 111 filers Visit website Investor relations

BSRR · Sierra Bancorp

Price & Indicators

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Equibles Rating

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns