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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#1655
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$393M
Kevin J. McPhaill
Sierra Bancorp operates as the bank holding company for Bank of the Sierra. It provides retail and commercial banking services to individuals and businesses in California. As of December 31, 2021, it operated 35 full-service branches, an online branch, an agricultural credit center, and an SBA center.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = BSRR ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$BSRR SIERRA BANCORP | 52 | 30 | 41 | 78 | 12.4x | 9.3x | 11.1% | 1.1% | 0.0% | 31.0% | 23.1% | 1.0% | 3.4% | 930.0x | $393M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
SIERRA BANCORP (BSRR) receives a "Hold" rating with a composite score of 52.2/100. It ranks #1655 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for BSRR.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 30 | 31 | -1NEUTRAL |
| MOMENTUM | 78 | 86 | -8DRAG |
| VALUATION | 41 | 45 | -4NEUTRAL |
| INVESTMENT | 44 | 86 | -42DRAG |
| STABILITY | 48 | 46 | +2NEUTRAL |
| SHORT INT | 65 | 79 | -14DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 4.6% vs WACC 7.6% (spread -3.0%)
GM 0% vs sector 78%, OM 31% vs sector 18%
Capital turnover 0.32x
Rev growth 1%, 10yr history
Interest coverage 1.1x, Net debt/EBITDA 10.9x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate SIERRA BANCORP (BSRR) as a Hold with a composite score of 52.2/100 at a current price of $35.96. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
SIERRA BANCORP holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 52.2/100 places it at rank #1655 in our full universe.
The near-term outlook is constructive, with revenue growing at 1% and momentum in the 78th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
High
Standard
Fair Value
Positive momentum indicates institutional accumulation.
Stable competitive position in a defensive sector.
Leverage of 930% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
SIERRA BANCORP represents a hold based on multi-factor quantitative performance.
Our model assigns SIERRA BANCORP a Hold rating, with a composite score of 52.2/100 and 3 out of 5 stars. Ranked #1655 of 7,333 stocks, BSRR presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
BSRR's quality score of 30/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 11.1% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 23.1% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 41/100, BSRR appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 12.45x, an EV/EBITDA of 9.29x, a P/B ratio of 1.38x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
With an investment score of 44/100, BSRR exhibits moderate growth-oriented spending. Key growth metrics include revenue growth of 1.0% vs. a sector average of 10.7% and a return on assets of 1.1% (sector: 1.3%). The company appears to be balancing growth investments with capital returns, though the pace of investment may not be enough to accelerate top-line growth meaningfully.
BSRR shows strong momentum characteristics with a score of 78/100. The stock has been trending above key moving averages, indicating solid demand from institutional buyers. Revenue growth stands at 1.0% year-over-year, while a beta of 0.78 reflects its sensitivity to broader market moves. This level of momentum typically signals sustained investor confidence and favorable near-term price action.
With a stability score of 48/100, BSRR exhibits average financial resilience. Key stability metrics include a beta of 0.78 and a debt-to-equity ratio of 930.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
BSRR carries a short interest score of 65/100, indicating moderate short selling activity. This is a neutral reading — not enough to signal systemic bearishness, but worth monitoring. Specific risk factors include elevated leverage (D/E: 930.00x), small-cap liquidity risk. At $393M market cap (small-cap), SIERRA BANCORP offers reasonable institutional liquidity.
BSRR pays a solid dividend yield of 3.4%, contributing an income component to total returns. This compares to a sector average dividend yield of 2.0%. This moderate yield suggests a balance between returning capital to shareholders and retaining earnings for reinvestment — a common profile among quality compounders.
SIERRA BANCORP is a small-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #1655 of 7,333 overall (77th percentile). Key comparisons include ROE of 11.1% exceeding the 9.0% sector median and operating margins of 31.0% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While BSRR currently exhibits a HOLD profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
Key factor gap
Momentum (78) vs Quality (30) — closing this gap could shift the rating.
EV/EBITDA 20% ABOVE SECTOR MEDIAN
ROE 24% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
Investors in Sierra Bancorp ( NASDAQ:BSRR ) had a good week, as its shares rose 9.8% to close at US$37.92 following the...

Sierra Bancorp (BSRR) delivered earnings and revenue surprises of -38.57% and 2.18%, respectively, for the quarter ended December 2023. Do the numbers hold clues to what lies ahead for the stock?
On the call today, I am joined by Barings BDC, Inc.’s President, Matthew Freund, Chief Financial Officer, Elizabeth A. Murray, Barings Head of Global Private Finance and BBDC Portfolio Manager, Bryan D. High. As many of you know, I assumed the role of CEO of Barings BDC, Inc. effective January 1. Prior to stepping into this position, I spent most of my career deeply rooted in fundamental credit research and underwriting, portfolio management, and investor alignment across multiple strategies within Barings.

Although the revenue and EPS for Sierra Bancorp (BSRR) give a sense of how its business performed in the quarter ended March 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Sierra Bancorp (BSRR) delivered earnings and revenue surprises of 14.29% and 6.89%, respectively, for the quarter ended March 2024. Do the numbers hold clues to what lies ahead for the stock?