BSRR:NSD-Sierra Bancorp (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 23.88

Change

-1.11 (-4.44)%

Market Cap

USD 0.38B

Volume

0.03M

Average Target Price

USD 19.75 (-17.29%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking services to individuals and businesses in California. The company accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. Its loan products include real estate, commercial, mortgage warehouse, agricultural, industrial, and consumer loans. The company also offers automated teller machines; electronic point-of-sale payment alternatives; online and automated telephone banking services; and remote deposit capture and automated payroll services for business customers. As of February 4, 2020, it operated 40 full service branches, a loan production office, an online branch, an agricultural credit center, and an SBA center. Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California. Address: 86 North Main Street, Porterville, CA, United States, 93257

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-01-25 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HBANN Huntington Bancshares Incorpor..

-0.07 (-0.27%)

USD28.24B 37.55 N/A
SIVB SVB Financial Group

+0.60 (+0.12%)

USD24.91B 20.99 N/A
FITB Fifth Third Bancorp

-0.50 (-1.62%)

USD22.02B 16.89 N/A
FITBI Fifth Third Bancorp

-0.22 (-0.76%)

USD20.17B 15.76 N/A
HBAN Huntington Bancshares Incorpor..

-0.36 (-2.60%)

USD14.15B 20.06 N/A
HBANO Huntington Bancshares Incorpor..

-0.05 (-0.20%)

USD13.19B 36.81 N/A
SBNY Signature Bank

+3.85 (+2.40%)

USD8.59B 16.09 N/A
CBSH Commerce Bancshares, Inc

-0.78 (-1.12%)

USD8.13B 23.85 N/A
ZION Zions Bancorporation, National..

-0.91 (-1.89%)

USD7.90B 15.93 N/A
PBCTP People's United Financial, Inc

-0.23 (-0.81%)

USD6.86B 21.42 N/A

ETFs Containing BSRR

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -0.17% 22% F 20% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -0.17% 22% F 19% F
Trailing 12 Months  
Capital Gain -14.13% 37% F 20% F
Dividend Return 2.88% 62% D- 65% D
Total Return -11.25% 38% F 21% F
Trailing 5 Years  
Capital Gain 35.14% 54% F 45% F
Dividend Return 18.22% 54% F 63% D
Total Return 53.37% 57% F 48% F
Average Annual (5 Year Horizon)  
Capital Gain 4.28% 70% C- 53% F
Dividend Return 2.66% 65% D 67% D+
Total Return 6.94% 73% C 55% F
Risk Return Profile  
Volatility (Standard Deviation) 25.84% 35% F 57% F
Risk Adjusted Return 26.84% 67% D+ 52% F
Market Capitalization 0.38B 52% F 46% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 10.73 75% C 72% C-
Price/Book Ratio 1.14 33% F 79% C+
Price / Cash Flow Ratio 8.21 67% D+ 41% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 11.18% 81% B- 80% B-
Return on Invested Capital 9.88% 82% B- 79% C+
Return on Assets 1.23% 81% B- 62% D-
Debt to Equity Ratio 11.30% 71% C- 73% C
Technical Ratios  
Short Ratio 6.79 17% F 16% F
Short Percent 1.59% 37% F 69% D+
Beta 1.13 31% F 53% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Underpriced compared to earnings

The stock is trading low compared to its peers on a price to earning basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.