BSRR:NSD-Sierra Bancorp (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 24.41

Change

+0.20 (+0.83)%

Market Cap

USD 0.37B

Volume

0.01M

Avg Analyst Target

N/A

Avg User Target

USD
Average Analyst Rating

N/A

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: 2021-10-19 )

Largest Industry Peers for Banks-Regional

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

+3.84 (+0.55%)

USD40.83B 19.88 N/A
FITB Fifth Third Bancorp

-0.12 (-0.27%)

USD30.36B 12.85 N/A
HBANN Huntington Bancshares Incorpor..

N/A

USD27.35B 27.10 N/A
HBAN Huntington Bancshares Incorpor..

+0.15 (+0.93%)

USD23.91B 17.48 N/A
FITBI Fifth Third Bancorp

-0.02 (-0.07%)

USD19.64B 8.19 N/A
SBNY Signature Bank

-11.70 (-3.79%)

USD18.70B 24.29 N/A
HBANO Huntington Bancshares Incorpor..

N/A

USD12.99B 21.91 N/A
ZION Zions Bancorporation National ..

+1.02 (+1.64%)

USD10.09B 9.34 N/A
CBSH Commerce Bancshares Inc

-0.22 (-0.31%)

USD8.36B 15.35 N/A
FCNCA First Citizens BancShares Inc

-21.36 (-2.49%)

USD8.30B 14.95 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 2.05% 12% F 45% F
Dividend Return 2.68% 56% F 64% D
Total Return 4.72% 12% F 47% F
Trailing 12 Months  
Capital Gain 23.28% 20% F 50% F
Dividend Return 4.24% 60% D- 68% D+
Total Return 27.53% 20% F 52% F
Trailing 5 Years  
Capital Gain 32.66% 48% F 46% F
Dividend Return 19.02% 78% C+ 77% C+
Total Return 51.68% 52% F 50% F
Average Annual (5 Year Horizon)  
Capital Gain 2.38% 38% F 33% F
Dividend Return 2.92% 68% D+ 71% C-
Total Return 5.29% 39% F 36% F
Risk Return Profile  
Volatility (Standard Deviation) 25.32% 69% D+ 68% D+
Risk Adjusted Return 20.91% 44% F 35% F
Market Capitalization 0.37B 46% F 46% 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 8.80 84% B 75% C
Price/Book Ratio 1.06 71% C- 86% B
Price / Cash Flow Ratio 9.30 67% D+ 38% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 12.30% 63% D 74% C
Return on Invested Capital 8.00% 62% D- 74% C
Return on Assets 1.32% 66% D 58% F
Debt to Equity Ratio 10.21% 78% C+ 71% C-
Technical Ratios  
Short Ratio 4.48 33% F 34% F
Short Percent 1.10% 45% F 74% C
Beta 1.24 20% F 43% 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 Ratings

Target Price Action Rating Action Analyst Rating Price Date

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

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.

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.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.