What is the 13F Pro Quality Score for BSRR?

13F Pro ranks SIERRA BANCORP (BSRR) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View BSRR's current score at https://13fpro.ai/company/BSRR (free sign-up required for the full ranking).

Where does 13F Pro source BSRR data?

All SIERRA BANCORP fundamentals and ownership data come directly from SEC EDGAR. SIERRA BANCORP files with the SEC under CIK 1130144. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is BSRR in?

SIERRA BANCORP (BSRR) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives BSRR's revenue?

Per SIERRA BANCORP's latest 10-Q filed with the SEC on 2026-07-31, the biggest revenue drivers are: Net interest income ($30.4M, -0.2% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/BSRR.

What are BSRR's largest expenses?

SIERRA BANCORP's latest 10-Q reports these as the largest expense items: Provision for credit losses on loans ($2.3M, +89% YoY); Salaries and benefits ($12.5M, flat YoY); Occupancy and equipment ($3.2M, +2% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is BSRR research updated on 13F Pro?

BSRR's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

SIERRA BANCORP(BSRR)Stock Analysis

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13F Pro Quality Score

48.1/100

Rank #1,744 of 2,962 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

35.9/100

Profitability

89.0/100

Balance Sheet

45.6/100

Earnings Quality

34.1/100

Free Cash Flow

82.3/100

Institutional Flow

46.0/100

Revenue Scale

20.8/100

Dilution Risk

47.8/100

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Why BSRR Scores 48/100

exact factor attribution · 2026-09-11

BSRR's composite is driven by profitability and free cash flow, held back by scale and revenue growth. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+7.8 pts

89th pct

Free cash flow

+4.8 pts

82th pct

Earnings growth

+0.9 pts

64th pct

Shareholder dilution

-0.1 pts

48th pct

Institutional flow

-0.3 pts

46th pct

Capital efficiency

-0.6 pts

46th pct

Earnings quality

-1.6 pts

34th pct

Revenue growth

-3.8 pts

36th pct

Scale

-5.8 pts

21th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

BSRR Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for SIERRA BANCORP (BSRR), 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.

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Fun facts about SIERRA BANCORP

Quirks, history, and lore behind BSRR — the kind of stuff that makes a stock memorable.

1
The Basics
A community bank holding company · small-cap · listed on Nasdaq · headquartered in California's San Joaquin Valley.
2
The Numbers
Total assets in the range of $3–4 billion — big enough to matter locally, small enough that Wall Street rarely calls. Bread and butter: commercial real estate and agricultural lending.
3
The History
The bank traces its roots back to the early 1900s in the Central Valley, eventually consolidating under a holding company structure and growing steadily through community bank acquisitions across inland California.
4
The Secret
Its core market sits in farming country — think almonds, citrus, and dairy — meaning its loan book moves with commodity prices as much as interest rates.
5
The Lore
The bank operates almost entirely in the southern and central San Joaquin Valley, a region most coastal investors couldn't find on a map but which feeds a good chunk of the country.
6
The Giveaway
Its holding company ticker starts with B, the bank itself carries the name of a famous California mountain range, and its home base is Porterville, CA — gateway to the Sierras.

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What's Driving BSRR's Business? Latest 10-Q Breakdown

✓ 12/12 datapoints verified

AI-extracted from SIERRA BANCORP's 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.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$39.0M

Net Income

Q2 2026

$9.9M

Free Cash Flow

Q2 2026

$5.4M

Operating Margin

Q2 2026

34.1%

ROIC

Q2 2026

12.8%

D/E Ratio

Q2 2026

0.13

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+2.5% YoY

$155.3MFY 2025

FY22 $140.4MFY23 $142.8MFY24 $151.6MFY25 $155.3M

Net Income

+4.4% YoY

$42.3MFY 2025

FY22 $33.7MFY23 $34.8MFY24 $40.6MFY25 $42.3M

EPS (Diluted)

+10.3% YoY

$3.11FY 2025

FY22 $2.24FY23 $2.36FY24 $2.82FY25 $3.11

Total Assets

+5.9% YoY

$3.83BFY 2025

FY22 $3.61BFY23 $3.73BFY24 $3.61BFY25 $3.83B

Total Debt

+154.7% YoY

$403.0MFY 2025

FY22 $377.4MFY23 $436.9MFY24 $158.3MFY25 $403.0M

Op. Cash Flow

-41.0% YoY

$33.7MFY 2025

FY22 $33.6MFY23 $53.2MFY24 $57.2MFY25 $33.7M

Free Cash Flow

-42.5% YoY

$32.2MFY 2025

FY22 $32.3MFY23 $51.8MFY24 $56.0MFY25 $32.2M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$155.3M +2.5%	$151.6M +6.1%	$142.8M +1.7%	$140.4M +2.4%	$137.1M +4.7%	$131.0M
Net Income	$42.3M +4.4%	$40.6M +16.4%	$34.8M +3.5%	$33.7M -21.7%	$43.0M +21.4%	$35.4M
EPS (Diluted)	$3.11 +10.3%	$2.82 +19.5%	$2.36 +5.4%	$2.24 -20.0%	$2.80 +20.7%	$2.32
Total Assets	$3.83B +5.9%	$3.61B -3.1%	$3.73B +3.4%	$3.61B +7.0%	$3.37B +4.7%	$3.22B
Total Debt	$403.0M +154.7%	$158.3M -63.8%	$436.9M +15.8%	$377.4M +141.8%	$156.1M +9.2%	$142.9M
Operating Cash Flow	$33.7M -41.0%	$57.2M +7.3%	$53.2M +58.6%	$33.6M -36.2%	$52.7M +31.6%	$40.0M
Free Cash Flow	$32.2M -42.5%	$56.0M +8.0%	$51.8M +60.5%	$32.3M -38.2%	$52.3M +40.9%	$37.1M

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Available Research

13F Pro tracks comprehensive data for SIERRA BANCORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of BSRR

BlackRock, Inc.
$53.2M1,306,403 sh
DIMENSIONAL FUND ADVISORS LP
$37.6M921,629 sh
VANGUARD CAPITAL MANAGEMENT LLC
$21.5M527,029 sh
Jupiter Topco LLC
$17.9M438,288 sh
PRIVATE MANAGEMENT GROUP INC
$17.7M434,075 sh
AMERICAN CENTURY COMPANIES INC
$15.2M372,676 sh
MANUFACTURERS LIFE INSURANCE COMPANY, THE
$14.6M357,606 sh
GEODE CAPITAL MANAGEMENT, LLC
$12.9M315,368 sh
STATE STREET CORP
$11.3M276,592 sh
FMR LLC
$8.6M212,021 sh

Fund	Value	Shares
BlackRock, Inc.	$53.2M	1,306,403
DIMENSIONAL FUND ADVISORS LP	$37.6M	921,629
VANGUARD CAPITAL MANAGEMENT LLC	$21.5M	527,029
Jupiter Topco LLC	$17.9M	438,288
PRIVATE MANAGEMENT GROUP INC	$17.7M	434,075
AMERICAN CENTURY COMPANIES INC	$15.2M	372,676
MANUFACTURERS LIFE INSURANCE COMPANY, THE	$14.6M	357,606
GEODE CAPITAL MANAGEMENT, LLC	$12.9M	315,368
STATE STREET CORP	$11.3M	276,592
FMR LLC	$8.6M	212,021

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Is BSRR a good stock to buy?

13F Pro's AI-powered analysis of SIERRA BANCORP (BSRR) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for BSRR are available on the BSRR stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. BSRR is classified as a small company.

Which hedge funds own BSRR?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling BSRR. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of SIERRA BANCORP's investment landscape.