SIERRA BANCORP(BSRR)— Stock Profile, AI Score & Financials
Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
SIERRA BANCORP (BSRR) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores BSRR at 48.1/100 on a 32-signal composite quality model, placing it at rank #1,744 of 2,962 stocks — the bottom half of the AI-ranked universe. BSRR scores in the top quartile across profitability (89.0), free cash flow (82.3). Areas of concern include revenue scale (20.8) and earnings quality (34.1), which score below median versus the broader universe. Shareholder dilution risk is elevated at 47.8/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), SIERRA BANCORP reports quarterly revenue of $39.0M, net income of $9.9M, an operating margin of 34.1%. Top institutional holders of BSRR by reported 13-F value include BlackRock, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. BSRR trades on the Nasdaq exchange and files with the SEC under CIK 1130144. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate BSRR daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for SIERRA BANCORP directly from SEC EDGAR.
AI Quality Score
48.1/100
AI Rank
#1,744
Revenue
$39.0M
Net Income
$9.9M
Free Cash Flow
$5.4M
Operating Margin
34.1%
BSRR key financials by period
SIERRA BANCORP reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$155.3M
$42.3M
36.3%
FY 2024
10-K/A
$151.6M
$40.6M
35.5%
FY 2023
10-K/A
$142.8M
$34.8M
32.5%
FY 2022
10-K/A
$140.4M
$33.7M
32.0%
FY 2021
10-K/A
$137.1M
$43.0M
41.7%
FY 2020
10-K
$131.0M
$35.4M
35.5%
Institutions holding BSRR
Institutional investors reporting a position in SIERRA BANCORP on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-07-31 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net income of $9.9M ($0.77 per diluted share) declined 7% YoY, pressured by $2.3M provision for credit losses including a $2.5M specific reserve on an agricultural production loan, though net interest margin improved 6 bps YoY to 3.74%.
Biggest Revenue Drivers
Net interest income$30.4M-0.2% YoY
Declining earning asset yields offset by lower funding costs; net interest margin improved 6 bps to 3.74%.
Biggest Revenue Drivers
Total revenue: $30.4M-0.2% QoQ vs Q2 2025
Net interest income$30.4M-0.2% YoY
Declining earning asset yields offset by lower funding costs; net interest margin improved 6 bps to 3.74%.
Largest Expense Items
Provision for credit losses on loans$2.3M+89% YoY
Primarily driven by $2.5M specific reserve on single agricultural production loan.
Salaries and benefits$12.5Mflat YoY
Includes $0.5M severance and recruitment costs from executive restructuring.
Occupancy and equipment$3.2M+2% YoY
Modest increase in occupancy-related expenses.
Other noninterest expense$7.8M-4% YoY
Lower deposit service costs and operating expenses.
Margins: Net interest margin expanded 6 basis points YoY to 3.74%, driven by a 26 bps decline in cost of interest-bearing liabilities as deposit and wholesale funding costs fell. This more than offset an 8 bps decline in earning asset yields as investment securities and loan balances repriced lower.
Watch Items from the Filing
Concentrated agricultural credit: $2.5M specific reserve established on single agricultural production loan to lumber industry borrower during Q2 2026; Company received $0.5M payment post-quarter end.
Nonperforming farmland loans increased to $3.1M from $1.7M at year-end 2025; single relationship with ~61% loan-to-value is well-secured but warrants monitoring.
Loan production momentum shifted positively entering Q3; second quarter new credit extended was $49.4M (+$41.6M QoQ), particularly in commercial real estate and commercial & industrial.
Uninsured deposits are estimated at $734.2M or 25% of total deposits; however, $87.7M in public agency deposits are collateralized via $125M FHLB letter of credit.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
