Sierra Bancorp (BSRR) Investment Analysis
1. Executive Summary
Sierra Bancorp operates as the bank holding company for Bank of the Sierra, a California-chartered regional community bank established in 1977 and headquartered in Porterville, California.[1, 2] Operating through full-service branches across Tulare, Kern, Kings, Fresno, Ventura, San Luis Obispo, and Santa Barbara counties, the institution is strategically situated in California's South San Joaquin Valley and adjacent Central Coast markets.[1, 3] Additionally, the company operates an online banking branch, an agricultural credit center, and specialized lending offices, including a mortgage warehouse division.[1, 3]
The primary business model of Sierra Bancorp is focused on traditional relationship-based commercial and retail banking.[2] Revenue is generated through two primary streams: net interest income, which represents the spread between interest earned on its loan and investment portfolios and the interest paid to depositors and other funding sources, and noninterest income, consisting of service charges on deposit accounts, debit card fees, bank-owned life insurance income, and specialized lending transaction fees.[2, 4, 5, 6]
The loan portfolio is primarily structured around commercial and agricultural lending, commercial real estate (CRE) underwriting, residential mortgages, and specialized mortgage warehouse lines of credit.[2, 6] The primary customer base comprises small-to-medium enterprises (SMEs), agricultural operations, commercial real estate developers, local business professionals, public sector entities, and retail households.[2, 7]
Sierra Bancorp's primary end markets are tightly integrated with the local economy of the Central Valley of California, which is heavily characterized by agricultural production, regional logistics, and commercial development.[2, 8] Customers choose Sierra Bancorp over larger national banking alternatives due to its deeply rooted relationship-driven approach, localized underwriting decision-making, specialized sector expertise (such as dedicated agricultural lenders), and high deposit security, as underscored by its 5-star rating from Bauer Financial.[1, 2, 7]
2. Business Drivers & Strategic Overview
Sierra Bancorp's financial trajectory is driven by a combination of regional loan demand, deposit cost management, and operational efficiency.[2, 5, 9] The institution offers specialized credit and deposit products designed to embed itself into the capital structures of regional businesses.[2]
Specialized Product Offerings
The loan book is bifurcated into highly specialized lending segments [6]:
- Mortgage Warehouse Lines: These are short-term, secured lines of credit extended to non-bank mortgage originators.[1, 5, 7] These lines fund residential mortgages from the time of closing to their ultimate sale into the secondary market.[2] This line of business is highly transactional and provides fluctuating fee income, utilizing brokered deposits as a primary funding source.[9]
- Agricultural Lending: Tailored specifically to the crop cycles, seasonal operating cash needs, and capital expenditures of Central Valley agribusinesses.[2, 8] These loans are secured by farmland, crops, livestock, and specialized agricultural equipment.[7, 8]
- Commercial Real Estate (CRE) and Construction: Focuses on retail, warehouse/industrial, office, and hospitality real estate.[10] These loans are characterized by conservative loan-to-value (LTV) ratios and localized underwriting.[8]
Moat Analysis
Sierra Bancorp possesses a narrow but highly defensible community banking moat focused on local relationship switching costs and cost advantages.[2, 8]
- Switching Costs: The commercial and agricultural clientele rely on customized credit covenants and bankers who understand local market dynamics.[8] Transitioning to a national banking alternative would require re-establishing complex lending relationships, which acts as a deterrent.[2]
- Cost Advantage: Sierra Bancorp maintains a highly granular core deposit base of approximately 120,000 accounts across its 34 branches, with 35% of total deposits consisting of noninterest-bearing demand accounts.[5, 9] This high ratio of noninterest-bearing deposits provides a low cost of funds relative to regional peers, serving as a low-cost capital base to fund earning assets.[5, 9]
- Scale and Regulatory Barriers: In the highly regulated banking environment, smaller financial entities face high per-unit compliance and technology costs.[7, 8] Sierra Bancorp's total asset base of $3.75 billion provides the scale required to absorb compliance expenditures while retaining local decision-making agility.[5, 8]
Market Opportunity and TAM
The Total Addressable Market (TAM) for Sierra Bancorp is dictated by the regional deposit and credit demands of California’s Central Valley and Central Coast.[2] According to Federal Deposit Insurance Corporation (FDIC) data, total bank deposits in Fresno, Kings, Madera, and Tulare counties grew to $29.7 billion in 2025, up from $28.9 billion in 2024, demonstrating consistent regional liquidity expansion.[11]
The primary market opportunity centers on capturing commercial deposit shares from national giants and acquiring smaller, capital-constrained regional competitors.[7, 8]
Competitive Landscape
The competitive landscape of the Central Valley is characterized by intense consolidation and a distinct tiering between national institutions and local community banks.[7, 11]
- National Banking Giants: Institutions such as Wells Fargo (holding an 18% market share in the local deposit footprint in 2025), Bank of America, and JPMorgan Chase dominate the retail deposit space with extensive digital platforms and massive marketing budgets.[7, 11]
- Regional Competitors: Following the late-2025 merger agreement between Community West Bancshares and United Security Bancshares, a new $5 billion asset regional community banking giant has emerged, controlling a combined 9.27% market share in Fresno, Madera, Kings, and Tulare counties.[12]
- Market Positioning: In comparison, Bank of the Sierra holds approximately 6.71% deposit market share in these core counties, positioning it as the second-largest locally owned community bank behind the merged Community West platform.[12]
Sierra Bancorp is holding its ground through a proactive reduction in higher-cost brokered deposits, expanding organic core deposits, and utilizing its specialized agricultural and warehouse lending niches to drive asset yields.[5, 9, 13]
| Competitor / Bank Name |
Central Valley Deposit Market Share (2025) |
Asset Class / Type |
Core Strengths |
| Wells Fargo |
18.00% [11] |
National Money-Center |
Tech Ecosystem, Scale [7] |
| Community West Bancshares (Merged with United Security) |
9.27% [12] |
Regional Community |
Combined $5B Scale, Footprint [12] |
| Bank of the Sierra (BSRR) |
6.71% [12] |
Regional Community |
35% Noninterest Deposits, Specialized Lending [1, 5] |
3. Financial Performance & Valuation
Latest Reported Financial Performance
Sierra Bancorp reported its most recent quarterly financial results for the first quarter of 2026 on April 27, 2026.[5, 14]
- Earnings Performance: Consolidated net income reached $12.52 million, or $0.96 per diluted share, up 38% and 47% respectively compared to $9.10 million ($0.65 per share) in the first quarter of 2025.[5, 15] Diluted EPS beat the consensus analyst expectation of $0.82 by 17%.[16, 17]
- Revenue Performance: Total net revenue (net interest income plus noninterest income) for the quarter was $38.55 million, representing an 11% increase year-over-year but missing analyst consensus estimates of $39.57 million by 2.57% due to slightly lower-than-anticipated mortgage warehouse line utilization.[17, 18]
- Net Interest Margin (NIM): NIM stood at 3.75%, an increase of 1 basis point compared to 3.74% in the first quarter of 2025, but a sequential decline of 4 basis points from 3.79% in the fourth quarter of 2025.[5] The sequential compression was driven by lower yields on investment securities and mortgage warehouse lines, partially offset by declining funding costs.[5]
- Deposit and Funding Trends: Total deposits ended at $2.93 billion, up 3% compared to March 31, 2025.[5] Noninterest-bearing deposits stood at $1.03 billion, representing 35.2% of the deposit mix.[15] The overall cost of funds declined to 1.33% from 1.46% in Q1 2025, showcasing strong deposit stickiness and deposit beta management.[5]
- Efficiency and Capital Ratios: The tax-equivalent efficiency ratio improved significantly to 56.45% from 60.62% in Q1 2025, driven by a 2.6% reduction in overall operating expenses.[5] Tangible book value (TBV) per share grew to $25.69, a 1% sequential increase.[5] The subsidiary bank's Community Bank Leverage Ratio (CBLR) strengthened to 12.05%.[5]
- Share Repurchases: During the quarter, the company repurchased 263,632 shares of common stock, representing 2% of total shares outstanding as of December 31, 2025.[5]
| Financial Metric |
Q1 2026 (Reported) [15] |
Q4 2025 [15] |
Q1 2025 [15] |
Year-over-Year Change (%) |
| Net Income (USD) |
$12,520,000 |
$12,894,000 |
$9,101,000 |
37.57% |
| Diluted EPS (USD) |
$0.96 |
$0.97 |
$0.65 |
47.69% |
| Net Interest Margin (NIM) |
3.75% |
3.79% |
3.74% |
1 bps |
| Total Deposits (USD) |
$2.93B |
$2.88B |
$2.85B |
2.81% |
| Cost of Funds |
1.33% |
1.38% |
1.46% |
-13 bps |
| Efficiency Ratio |
56.45% |
57.69% |
60.62% |
-417 bps |
| Tangible Book Value/Share (USD) |
$25.69 |
$25.42 |
$23.44 |
9.60% |
Historical Performance (Full Year)
To establish long-term financial trends, Sierra Bancorp's annual performance from 2023 to 2025 demonstrates a steady post-banking-crisis recovery:
| Income Statement Element (USD in thousands) |
FY 2025 [4] |
FY 2024 [4] |
FY 2023 [4] |
| Interest Income |
$171,388 |
$172,348 |
$163,121 |
| Interest Expense |
$46,702 |
$52,319 |
$50,716 |
| Net Interest Income |
$124,686 |
$120,029 |
$112,405 |
| Noninterest Income |
$30,589 |
$31,521 |
$30,400 |
| Noninterest Expense |
$92,837 |
$92,890 |
$92,660 |
| Provision for Credit Losses |
$6,095 |
$4,792 |
$3,681 |
| Net Income |
$42,327 |
$40,560 |
$34,844 |
Guidance and Consensus Estimates
Management did not announce specific revisions to future guidance during the Q1 2026 earnings release, continuing its operational directive to prioritize organic lending connections, leverage tech-enabled cost structures, and maintain a robust capital base.[19] Analyst consensus for the full fiscal year of 2026 anticipates net revenues of $158.80 million, representing a 3.8% increase over the past 12 months, and statutory EPS of $3.72, up 5.2%.[20]
Valuation Metrics and Underlying Drivers
At the current trading price of approximately $40.55 [21, 22], Sierra Bancorp displays the following market valuation multiples:
- Price-to-Earnings (P/E) Ratio: 11.82x (trailing twelve months) and 10.87x (forward).[22, 23] This is conservative relative to the broader financial sector median of 20.23x.[22]
- Price-to-Book (P/B) Ratio: 1.48x [22] (with a Price-to-Tangible Book Value of approximately 1.58x based on Q1 2026 TBV of $25.69 [5]).
- Price-to-Sales (P/S) Ratio: 3.52x.[23]
- Dividend Yield: 2.59% based on a forward annualized payout of $1.04 per share, with an established history of paying quarterly dividends consecutively since 1999.[1, 21, 23]
The valuation of Sierra Bancorp is tied to its core community-centric banking business model.[2] Unlike larger national banks, which utilize high leverage or fee-heavy wealth services, Sierra Bancorp’s valuation is driven by capital efficiency (Return on Average Assets of 1.39% and Return on Average Equity of 13.88% in Q1 2026) and credit stability.[5]
The 5-year revenue compound annual growth rate (CAGR) stands at approximately 2.4% [20], reflecting low-risk, conservative credit expansion. Capital returns are supplemented by a robust share buyback strategy (repurchasing 7.2% of outstanding shares in 2025 and 2% in Q1 2026), which reduces the share count and supports growth in earnings per share.[5, 19]
4. Risk Assessment & Macroeconomic Considerations
Company-Specific Execution Risks
- Mortgage Warehouse Asset Volatility: The mortgage warehouse lending division is highly dependent on residential real estate transaction volume.[1, 2] As observed in Q1 2026, gross loans decreased by $80.1 million, largely due to a seasonal drop of $39.9 million in mortgage warehouse utilization.[5] High interest rates could suppress home purchasing volumes, reducing fee income from this segment.[8]
- Insider Sales Activity: In Q2 2026, notable insider selling was recorded.[16, 18, 24] The Chief Financial Officer and Chief Credit Officer collectively sold 20,000 shares after exercising stock options.[24] Cumulative executive sales reached $954,108 over a three-month period, which could signal that management views the stock as fully valued.[16, 22]
Competitive Risks
- Regional Bank Consolidation: The completion of the Community West and United Security merger creates a competitor with significantly larger local asset scale ($5 billion) and 9.27% deposit market share.[12] This platform could aggressively compete for local commercial deposits, putting pressure on Sierra Bancorp's low-cost funding advantage and commercial real estate pricing power.[8, 12]
Customer Concentration and Demand Risks
- Agricultural Sector Vulnerability: Agribusiness credit forms a substantial portion of the loan book.[7, 8] The Central Valley agricultural economy (representing 36% of local GDP) is sensitive to severe California droughts, changing water rights, and global trade tariff policies.[8] Crop yields can decline by up to 25% during extended droughts, leading to a rise in agricultural nonperforming loans (NPLs).[8]
Regulatory and Legal Risks
- CRE Regulatory Concentration: Sierra Bancorp’s total non-owner occupied commercial real estate concentration ratio stood at 238.7% of Tier 1 Capital plus allowance at March 31, 2026.[10] While below the federal regulatory advisory threshold of 300%, high CRE concentrations invite increased regulatory oversight, higher compliance costs, and potential limits on future CRE loan growth.[8, 10]
Balance Sheet and Capital Allocation Risks
- Asset-Liability Duration Gap: Sierra Bancorp faces a duration gap, with earning asset duration at roughly 4.2 years and deposit liabilities at 2.1 years.[8] If the yield curve steepens or shifts, net interest margins could experience volatility, as loan yields reprice at a different rate than funding liabilities.[8]
Macroeconomic Sensitivities
- Federal Reserve Monetary Policy Pivot: If the Federal Reserve pivots toward rapid rate cuts in 2026, it could lower deposit costs but also immediately compress yields on new loans and floating-rate investments.[25] Conversely, sticky inflation could force the Federal Reserve to maintain restrictive rates, raising competition for deposits and driving up funding costs.[8, 26]
Risk Framework and Strategic Trajectory
The interaction of these factors can be structured into three core levels of severity:
- What Could Go Wrong: Elevated interest rates persist, resulting in a 10% sequential decline in mortgage warehouse line utilization and a moderate rise in the cost of funds to over 1.75%.[5, 8]
- Early Warning Sign: A rise in non-performing assets (NPAs) from the current 0.42% of total assets toward 1.00%, accompanied by consecutive quarters of net loan contraction.[8, 25]
- Long-Term Thesis Damage: A prolonged multi-year California drought that causes systemic crop failures, combined with aggressive deposit competition from the newly merged Community West Bancshares, which erodes Sierra Bancorp's low-cost noninterest-bearing deposit share below 28%.[8, 11, 12]
5. 5-Year Scenario Analysis
This five-year scenario model projects Sierra Bancorp’s potential total return from 2026 to fiscal year-end 2031 (USD). The projections utilize Q1 2026 capital levels, outstanding shares (13.09 million) [15], and a baseline Net Revenue of $155.28 million (representing FY 2025 net interest income of $124.69 million plus noninterest income of $30.59 million) as the historical anchor.[4]
Base Case (55% Probability)
The Base Case assumes that the Central Valley economy maintains steady growth, with agricultural portfolios remaining stable and the regional housing market recovering moderately.[8, 11]
- Revenue Growth: Net Revenue grows at a 4.0% CAGR (in line with the historical 2.4% rate and projected 5.4% short-term expansion) [18, 20], reaching $188.93 million by Year 5.
- Profitability Margin: Profit margins stabilize at 28.0%, driven by moderate technology-driven efficiencies, bringing net income to $52.90 million.
- Share Count: Share buybacks continue at a moderate pace (reducing outstanding shares by 1.5% annually from 13.09 million) to 12.14 million shares.[5, 15, 19]
- Earnings per Share: EPS rises to $4.36.[15, 18]
- Exit Multiple: Multiple remains near the historical median of 11.50x.[27]
- Projected Valuation: Year 5 stock price is projected at $50.14 USD.[15, 23, 27]
- Total Return: Including cumulative projected dividends of $5.50 USD [4, 23], the 5-year total return is 37.21%, representing an annualized return of 6.53%.
High Case (25% Probability)
The High Case projects a scenario where agricultural yields rise, mortgage warehouse demand increases due to a declining interest rate environment, and the bank successfully gains local deposit share.[5, 25]
- Revenue Growth: Net Revenue grows at a 6.5% CAGR, reaching $212.75 million in Year 5.
- Profitability Margin: Profit margins expand to 32.0% due to lower deposit costs and higher asset yields, resulting in net income of $68.08 million.[5]
- Share Count: Aggressive share buybacks reduce the share count to 11.53 million shares.[15, 19]
- Earnings per Share: EPS rises to $5.90.[5, 15]
- Exit Multiple: Valuation multiple expands to 13.00x.[27]
- Projected Valuation: Year 5 stock price is projected at $76.70 USD.[5, 15, 27]
- Total Return: Including cumulative projected dividends of $6.00 USD [4, 23], the 5-year total return is 103.95%, representing an annualized return of 15.31%.
Low Case (20% Probability)
The Low Case outlines a scenario defined by a severe multi-year drought in the South San Joaquin Valley, compressing agricultural credit, coupled with deposit outflow to larger regional platforms.[8, 12]
- Revenue Growth: Net Revenue grows at a 1.5% CAGR, reaching $167.28 million in Year 5.
- Profitability Margin: Net profit margins compress to 21.0% due to higher credit loss provisions and elevated deposit competition, generating net income of $35.13 million.[4, 8]
- Share Count: Share repurchases are suspended to preserve capital; share count remains flat at 13.09 million.[15]
- Earnings per Share: EPS declines to $2.68.[8, 15]
- Exit Multiple: Multiple compresses to 9.00x.[23]
- Projected Valuation: Year 5 stock price is projected at $24.12 USD.[8, 15, 23]
- Total Return: Including cumulative projected dividends of $4.50 USD [4, 23], the 5-year total return is -29.42%, representing an annualized return of -6.74%.
Probability-Weighted Target Price
Using the assigned probability weights (55% Base, 25% High, 20% Low), the probability-weighted stock price target for Sierra Bancorp (BSRR) in 2031 is $51.58 USD.[5, 8, 15, 23]
| Scenario |
Revenue / key scale metric in Year 5 |
Margin / earnings assumption |
Valuation multiple assumption |
Current share price |
Implied future share price |
5-year total return |
Annualized return |
Probability |
| High Case |
$212.75M USD |
32.0% Margin ($5.90 EPS) |
13.00x P/E |
$40.55 USD |
$76.70 USD |
103.95% |
15.31% |
25% |
| Base Case |
$188.93M USD |
28.0% Margin ($4.36 EPS) |
11.50x P/E |
$40.55 USD |
$50.14 USD |
37.21% |
6.53% |
55% |
| Low Case |
$167.28M USD |
21.0% Margin ($2.68 EPS) |
9.00x P/E |
$40.55 USD |
$24.12 USD |
-29.42% |
-6.74% |
20% |
STEADY VALUE COMPOUNDER
6. Qualitative Scorecard
Management Alignment: 7/10
The management team demonstrates alignment through an insider ownership level of 11.83%.[22] Named Executive Officers receive performance-based equity compensation plans approved by shareholders.[9, 28] However, the scorecard is tempered by notable insider selling in Q2 2026, where several key executives sold shares near the stock's 52-week highs, warranting monitoring of capital decisions.[16, 24]
Revenue Quality: 8/10
Sierra Bancorp's revenue stream is supported by its strong deposit structure.[5, 9] Noninterest-bearing accounts consistently represent over 35% of total deposits, resulting in low funding costs during rate cycles.[5, 9] However, revenue is sensitive to cyclical changes in mortgage warehouse demand and seasonal agriculture trends.[5, 8]
Market Position: 7/10
As a community-centric provider in the South San Joaquin Valley, Sierra Bancorp holds a solid position with approximately 6.71% deposit market share.[12] The business is supported by a 5-star Bauer Financial rating.[1] However, its market position is challenged by consolidation, specifically the Community West and United Security merger, which has created a larger competitor in its core counties.[12]
Growth Outlook: 6/10
While Q1 2026 earnings showed positive year-over-year growth (+47% EPS) [5], BSRR's historical 5-year revenue CAGR is relatively low at 2.4%.[20] Long-term growth is projected to lag the broader banking industry forecast, reflecting its focus on local agricultural and commercial markets over high-growth metropolitan areas.[18, 20]
Financial Health: 9/10
The balance sheet is well-capitalized.[25] The subsidiary bank's Community Bank Leverage Ratio of 12.05% is significantly above regulatory minimums for well-capitalized institutions.[5] Total primary and secondary liquidity sources remain strong at approximately $2.14 billion.[19, 25]
Business Viability: 8/10
Operating successfully since 1977, the relationship-driven commercial and agricultural lending framework has proven durable across multiple economic cycles.[2, 29] Potential choke points are limited to physical regional agricultural exposure and localized water availability.[2, 8]
Capital Allocation: 9/10
Management demonstrates balanced capital return practices.[5, 19] Sierra Bancorp has paid consecutive quarterly dividends since 1999.[1] Capital returns are supplemented by share buyback programs, which repurchased 7.2% of shares outstanding in 2025 and 2% in Q1 2026, supporting earnings per share growth.[5, 19]
Analyst Sentiment: 6/10
Wall Street analysts maintain a cautious stance, holding a consensus "Hold" rating on BSRR.[16, 22] The average price target of $37.00 to $40.25 suggests the stock is currently trading near fair value.[16, 22]
Profitability: 8/10
Sierra Bancorp displays healthy profitability metrics, with a Return on Average Assets (ROAA) of 1.39% and a Return on Average Equity (ROAE) of 13.88% in Q1 2026.[5] The tax-equivalent efficiency ratio has improved to 56.45% due to effective expense controls.[5]
Track Record: 8/10
The company has a consistent history of capital conservation, dividend growth, and book value appreciation, navigating the 2023 regional banking crisis with minimal disruption to its deposit base.[29, 30]
- Blended Qualitative Score: 7.6 / 10
RESILIENT REGIONAL OPERATOR
7. Conclusion & Investment Thesis
Sierra Bancorp represents a well-managed regional community banking platform with a solid low-cost core deposit foundation, specialized loan products, and strong capital levels.[1, 5, 25]
The investment thesis rests on several supportive pillars and potential challenges:
- Low-Cost Funding Advantage: The bank's ability to maintain a 35% noninterest-bearing deposit mix provides a stable, low-cost capital base that supports net interest margins during fluctuations in the credit cycle.[5, 9]
- Disciplined Capital Management: Steady capital returns via consecutive quarterly dividends, combined with share buybacks, offer support for earnings per share.[1, 5, 19]
- Credit Quality Focus: Conservative underwriting and local market expertise keep nonaccrual loans at manageable levels relative to its regional peers.[8, 25]
However, these factors are balanced by notable headwinds:
- Regional Competitive Pressures: The Community West-United Security merger has altered local market dynamics, introducing a competitor with larger scale in Sierra Bancorp's core footprint.[12]
- Agricultural Concentration: The bank's performance is tied to the Central Valley agricultural economy, making it sensitive to environmental factors like droughts and macro trends like tariffs.[8]
- Insider Activity: Recent insider sales suggest management may view the stock as fully valued at current levels.[16]
Overall, the data indicates that Sierra Bancorp is a stable, well-capitalized regional bank trading near fair value, providing steady dividend income with moderate, low-beta growth potential.[22, 23, 27]
PRUDENT DEFENSIVE HOLDING
8. Technical Analysis, Price Action & Short-Term Outlook
Sierra Bancorp (BSRR) is currently displaying positive technical trends.[27] Trading at $40.55 USD, the stock is positioned above its 50-day moving average of $37.11 and its 200-day moving average of $35.27, confirming an upward trend.[31] The stock is trading near its 52-week high of $41.22, supported by consecutive earnings beats.[16, 21] While momentum remains positive, the consensus analyst price target of $37.00 to $40.25 and recent insider sales suggest that the stock may consolidate in the near term as the market processes its current valuation.[16, 22]
BULLISH TECHNICAL MOMENTUM
- SIERRA BANCORP ANNOUNCES 4% INCREASE IN QUARTERLY CASH DIVIDEND, https://www.bankofthesierra.com/sierra-bancorp-announces-4-increase-in-quarterly-cash-dividend-2026/
- Sierra Bancorp Strategy and Business Model, https://umbrex.com/resources/company-profiles/sierra-bancorp/
- BSRR Stock Price, News & Analysis | Sierra Ban, https://www.stocktitan.net/overview/BSRR/
- Annual Report for Fiscal Year Ending December 31, 2025 (Form 10-K), https://www.publicnow.com/view/FA7C80C977E333669C190185B068FAB004759C71?1772225300
- Sierra Bancorp Reports First Quarter 2026 Results - Business Wire, https://www.businesswire.com/news/home/20260427049172/en/Sierra-Bancorp-Reports-First-Quarter-2026-Results
- SIERRA BANCORP SEC 10-K Report - TradingView, https://www.tradingview.com/news/tradingview:9a0115b416874:0-sierra-bancorp-sec-10-k-report/
- What is Competitive Landscape of Sierra Bank Company? – Pestel-analysis.com, https://pestel-analysis.com/blogs/competitors/sierrabancorp
- Sierra Bank SWOT Analysis – MatrixBCG.com, https://matrixbcg.com/products/sierrabancorp-swot-analysis
- Sierra Bancorp (BSRR) Investor Relations, Earnings Summary & Outlook - Quartr, https://quartr.com/companies/sierra-bancorp_17323
- SIERRA BANCORP_MARCH 31, 2026 - SEC.gov, https://www.sec.gov/Archives/edgar/data/1130144/000110465926053684/bsrr-20260331x10q.htm
- Central Valley Banking Shifts: More digital, fewer branches, steady deposits, https://thebusinessjournal.com/central-valley-banking-shifts-more-digital-fewer-branches-steady-deposits/
- Two major Central Valley banks merge, creating $5B banking giant - The Business Journal, https://thebusinessjournal.com/two-major-central-valley-banks-merge-creating-5b-banking-giant/
- Sierra Bancorp Reports Financial Results for Third Quarter and First Nine Months of 2025, https://www.businesswire.com/news/home/20251027905011/en/Sierra-Bancorp-Reports-Financial-Results-for-Third-Quarter-and-First-Nine-Months-of-2025
- BSRR Earnings Dates, Upcoming and Historical Sierra Bancorp - Market Chameleon, https://marketchameleon.com/Overview/BSRR/Earnings/Earnings-Dates/
- Press release issued by Sierra Bancorp dated April 27, 202 - SEC.gov, https://www.sec.gov/Archives/edgar/data/1130144/000110465926049086/bsrr-20260427xex99d1.htm
- What Does Recent Insider Selling at Sierra Bancorp (BSRR) Signal - Kavout, https://www.kavout.com/market-lens/what-does-recent-insider-selling-at-sierra-bancorp-bsrr-signal
- Sierra Bancorp (BSRR) Stock Price & News - Google Finance, https://www.google.com/finance/beta/quote/BSRR:NASDAQ
- Sierra Bancorp (Nasdaq:BSRR) - Stock Analysis - Simply Wall St, https://simplywall.st/stocks/us/banks/nasdaq-bsrr/sierra-bancorp
- SIERRA BANCORP REPORTS RECORD QUARTERLY EARNINGS AND 2025 RESULTS, https://www.bankofthesierra.com/sierra-bancorp-reports-record-quarterly-earnings-and-2025-results/
- Results: Sierra Bancorp Beat Earnings Expectations And Analysts Now Have New Forecasts, https://simplywall.st/stocks/us/banks/nasdaq-bsrr/sierra-bancorp/news/results-sierra-bancorp-beat-earnings-expectations-and-analys
- BSRR Stock Price Quote & News - Sierra Bancorp - Robinhood, https://robinhood.com/us/en/stocks/BSRR/
- Sierra Bancorp (BSRR) Stock Price, News & Analysis - MarketBeat, https://www.marketbeat.com/stocks/NASDAQ/BSRR/
- Sierra Bancorp (BSRR) valuation measures and financial statistics - Yahoo Finance, https://sg.finance.yahoo.com/quote/BSRR/key-statistics/
- BSRR SEC Filings - Sierra Bancorp 10-K, 10-Q, 8-K Forms - Stock Titan, https://www.stocktitan.net/sec-filings/BSRR/
- What is Sierra Bancorp (BSRR) stock_business overview_development history - Bitget, https://www.bitget.com/stock/nasdaq-bsrr/what-is
- Stock Market Crash Prediction 2026: Risks, Signals, and Investor Approach - NAGA, https://naga.com/eu/news-and-analysis/articles/stock-market-crash-prediction
- BSRR Option Breakdown Sierra Bancorp - Market Chameleon, https://marketchameleon.com/Overview/BSRR/OptionSummary/
- Strong support at Sierra Bancorp (NASDAQ: BSRR) 2026 shareholder meeting - Stock Titan, https://www.stocktitan.net/sec-filings/BSRR/8-k-sierra-bancorp-reports-material-event-f27d5fdad4e2.html
- 2023, https://www.sec.gov/Archives/edgar/data/1130144/000155837024004860/bsrr-20231231xars.pdf
- O n Form 10-K ANNUAL REPORT 2024 Annual Report, https://s203.q4cdn.com/989510221/files/doc_financials/2024/ar/2024-Annual-Report-2025-Proxy-FINAL.pdf
- Private Management Group Inc. Sells 36,567 Shares of Sierra Bancorp $BSRR - MarketBeat, https://www.marketbeat.com/instant-alerts/filing-private-management-group-inc-sells-36567-shares-of-sierra-bancorp-bsrr-2026-06-12/