Sierra Bancorp (BSRR) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Sierra Bancorp reported revenue of $155.3M, up 2.5% from $151.6M the year before. Net income was $42.3M (a 27.3% net margin), or $3.11 per diluted share. Net interest income was $124.7M, and the efficiency ratio (noninterest expense / revenue) was 59.8%. Operating activities generated $33.7M of cash, leaving $32.2M of free cash flow. At fiscal year end, Sierra Bancorp held $3.83B in total assets against $3.46B in total liabilities, including $135.6M of cash and equivalents.
Open the full interactive Sierra Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Sierra Bancorp Key Stats
| Share Price | $39.56 |
|---|---|
| Market Cap | $512.7M |
| P/E Ratio | 12.7 |
| Revenue YoY Growth | +2.5% |
| 52-Week Range | $25.82 – $42.57 |
| Shares Outstanding | 12.8 million (basic, 2026 Q2) |
Sierra Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $104.8M | $109.0M | $109.6M | $112.4M | $120.0M | $124.7M |
| Provision for Credit Losses | $8.6M | -$3.6M | $10.9M | $4.1M | $4.6M | $6.1M |
| Noninterest Income | $26.1M | $28.1M | $30.8M | $30.4M | $31.5M | $30.6M |
| Noninterest Expense | $75.9M | $83.6M | $84.8M | $92.7M | $92.9M | $92.8M |
| Revenue | $131.0M | $137.1M | $140.4M | $142.8M | $151.6M | $155.3M |
| Pre-Tax Income | $46.5M | $57.2M | $44.9M | $46.5M | $53.9M | $56.3M |
| Income Tax | $11.1M | $14.2M | $11.3M | $11.6M | $13.3M | $14.0M |
| Net Income | $35.4M | $43.0M | $33.7M | $34.8M | $40.6M | $42.3M |
| Diluted EPS | $2.32 | $2.80 | $2.24 | $2.36 | $2.82 | $3.11 |
Sierra Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $40.0M | $39.3M | $38.6M | $39.0M |
| Net Income | $9.7M | $12.9M | $12.5M | $9.9M |
| Diluted EPS | $0.72 | $0.95 | $0.96 | $0.77 |
Sierra Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $71.4M | $257.5M | $77.1M | $78.6M | $100.7M | $135.6M |
| Loans (Net) | $2.44B | $1.97B | — | $2.07B | $2.31B | $2.53B |
| Total Assets | $3.22B | $3.37B | $3.61B | $3.73B | $3.61B | $3.83B |
| Deposits | $2.62B | $2.78B | $2.85B | $2.76B | $2.89B | $2.88B |
| Total Long-Term Debt | $135.1M | $49.1M | $49.2M | $49.3M | $49.4M | $49.5M |
| Total Liabilities | $2.88B | $3.01B | $3.31B | $3.39B | $3.26B | $3.46B |
| Shareholders' Equity | $343.9M | $362.5M | $303.6M | $338.1M | $357.3M | $364.9M |
Sierra Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $40.0M | $52.7M | $33.6M | $53.2M | $57.2M | $33.7M |
| Cash From Investing | -$627.3M | $20.6M | -$481.0M | -$83.7M | $141.2M | -$183.5M |
| Cash From Financing | $578.6M | $112.8M | $267.0M | $31.9M | -$176.3M | $184.8M |
| Free Cash Flow | $37.1M | $52.3M | $32.3M | $51.8M | $56.0M | $32.2M |
Figures from Sierra Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Sierra Bancorp financials page for every line item.
Sierra Bancorp Company Profile
| Ticker | BSRR |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Porterville, California |
| Incorporated in | California |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0001130144 |
Frequently Asked Questions
What was Sierra Bancorp's revenue in fiscal 2025?
Sierra Bancorp (BSRR) reported revenue of $155.3M for fiscal 2025.
What is Sierra Bancorp's annual revenue history?
Sierra Bancorp's annual revenue by fiscal year: 2020: $131.0M; 2021: $137.1M; 2022: $140.4M; 2023: $142.8M; 2024: $151.6M; 2025: $155.3M.
What was Sierra Bancorp's net income in fiscal 2025?
Sierra Bancorp reported net income of $42.3M for fiscal 2025.
What was Sierra Bancorp's earnings per share (EPS) in fiscal 2025?
Sierra Bancorp's diluted EPS was $3.11 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Sierra Bancorp generate in fiscal 2025?
Sierra Bancorp generated $32.2M of free cash flow in fiscal 2025.
What was Sierra Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Sierra Bancorp reported revenue of $39.0M.
How much debt does Sierra Bancorp have?
Sierra Bancorp reported $49.5M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Sierra Bancorp are outstanding?
Sierra Bancorp reported a weighted average of 12.8 million basic shares outstanding in 2026 Q2.
What is Sierra Bancorp's market cap?
Based on its latest closing price, Sierra Bancorp (BSRR) has a market capitalization of about $512.7M.
When does Sierra Bancorp's fiscal year end?
Sierra Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Sierra Bancorp headquartered?
Sierra Bancorp lists its business address in Porterville, California in its SEC filings.