BSRR:NSD-Sierra Bancorp (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 27.47

Change

-0.42 (-1.51)%

Market Cap

USD 0.43B

Volume

0.03M

Average Target Price

USD 26.00 (-5.35%)
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 agricultural, commercial, consumer, real estate, construction, and mortgage 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 December 31, 2020, it operated 40 full-service branches, an online branch, a loan production office, an agricultural credit center, and an SBA center. Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-05-10 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
SIVB SVB Financial Group

-12.08 (-2.05%)

USD31.93B 19.35 N/A
FITB Fifth Third Bancorp

-0.11 (-0.26%)

USD30.14B 15.56 N/A
HBANN Huntington Bancshares Incorpor..

-0.03 (-0.12%)

USD28.29B 22.72 N/A
FITBI Fifth Third Bancorp

-0.06 (-0.21%)

USD19.93B 10.47 N/A
HBAN Huntington Bancshares Incorpor..

-0.04 (-0.25%)

USD16.09B 13.84 N/A
SBNY Signature Bank

-2.17 (-0.85%)

USD14.70B 22.50 N/A
HBANO Huntington Bancshares Incorpor..

-0.02 (-0.08%)

USD13.19B 22.24 N/A
ZION Zions Bancorporation, National..

-0.35 (-0.59%)

USD9.71B 12.05 N/A
CBSH Commerce Bancshares, Inc

-0.32 (-0.40%)

USD9.36B 22.19 N/A
FCNCA First Citizens BancShares, Inc

-30.02 (-3.50%)

USD8.29B 15.06 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 14.84% 33% F 64% D
Dividend Return 1.76% 81% B- 80% B-
Total Return 16.60% 35% F 66% D
Trailing 12 Months  
Capital Gain 52.87% 44% F 55% F
Dividend Return 4.56% 65% D 69% D+
Total Return 57.43% 44% F 56% F
Trailing 5 Years  
Capital Gain 61.49% 64% D 56% F
Dividend Return 19.99% 76% C 75% C
Total Return 81.48% 67% D+ 59% F
Average Annual (5 Year Horizon)  
Capital Gain 2.79% 63% D 40% F
Dividend Return 2.74% 65% D 68% D+
Total Return 5.53% 67% D+ 43% F
Risk Return Profile  
Volatility (Standard Deviation) 25.56% 51% F 66% D
Risk Adjusted Return 21.64% 63% D 42% F
Market Capitalization 0.43B 51% F 47% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-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 11.02 70% C- 71% C-
Price/Book Ratio 1.24 43% F 81% B-
Price / Cash Flow Ratio 10.74 58% F 39% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 11.60% 70% C- 77% C+
Return on Invested Capital 8.00% 79% C+ 75% C
Return on Assets 1.29% 73% C 61% D-
Debt to Equity Ratio 10.21% 78% C+ 72% C-
Technical Ratios  
Short Ratio 5.85 20% F 19% F
Short Percent 1.59% 44% F 72% C-
Beta 1.27 22% F 42% 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:
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.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

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:
Overpriced compared to book value

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