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Sierra Bancorp
NASDAQ:BSRR

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Sierra Bancorp
NASDAQ:BSRR
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Price: 36.27 USD 0.58% Market Closed
Market Cap: $478.4m

P/E

11.4
Current
21%
More Expensive
vs 3-y average of 9.4

Price to Earnings (P/E) ratio shows how much investors pay for each dollar of a company`s earnings. It`s calculated by dividing the company`s market value by its total earnings.

P/E
11.4
=
Market Cap
$437.5m
/
Net Income
$42.3m

Price to Earnings (P/E) ratio shows how much investors pay for each dollar of a company`s earnings. It`s calculated by dividing the company`s market value by its total earnings.

P/E
11.4
=
Market Cap
$437.5m
/
Net Income
$42.3m

Valuation Scenarios

Sierra Bancorp is trading above its 3-year average

If P/E returns to its 3-Year Average (9.4), the stock would be worth $29.9 (18% downside from current price).

Statistics
Positive Scenarios
2/4
Maximum Downside
-25%
Maximum Upside
+101%
Average Upside
19%
Scenario P/E Value Implied Price Upside/Downside
Current Multiple 11.4 $36.27
0%
3-Year Average 9.4 $29.9
-18%
5-Year Average 8.5 $27.1
-25%
Industry Average 13.5 $42.97
+18%
Country Average 22.9 $72.92
+101%

Forward P/E
Today’s price vs future net income

Today's Market Cap Net Income Forward P/E
$437.5m
/
Jan 2026
$42.3m
=
11.4
Current
$437.5m
/
Dec 2026
$48.2m
=
9.1
Forward
$437.5m
/
Dec 2027
$50.8m
=
8.6
Forward

Forward P/E shows whether today’s P/E still looks high or low once future net income are taken into account.

Market Distribution

Lower than 84% of companies in the United States of America
Percentile
16th
Based on 8 489 companies
16th percentile
11.4
Low
0 — 15.3
Typical Range
15.3 — 33.2
High
33.2 —
Distribution Statistics
the United States of America
Min 0
30th Percentile 15.3
Median 22.9
70th Percentile 33.2
Max 1 826 183.3

Other Multiples

Sierra Bancorp
Glance View

Market Cap
478.4m USD
Industry
Banking

Sierra Bancorp is a bank holding company, which engages in the provision of commercial banking services. The company is headquartered in Porterville, California and currently employs 435 full-time employees. The Bank is a California state-chartered bank, which offers a range of retail and commercial banking services via branch offices located throughout California’s South San Joaquin Valley, the Central Coast, Ventura County, and neighboring communities. The company provides an Internet branch which provides the ability to open deposit accounts online; an online banking option with bill-pay and mobile banking capabilities; online lending solutions for consumers and small businesses; a customer service center, and an automated telephone banking system. Its lending activities cover real estate, commercial (including small businesses), mortgage warehouse, agricultural, and consumer loans. In addition to loans, it offers a range of deposit products and services for individuals and businesses, including checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts.

BSRR Intrinsic Value
46.67 USD
Undervaluation 22%
Intrinsic Value
Price $36.27
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