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BSRR

Sierra Bancorp

Financial Services · $507M market cap

Verdict

Share price

$39.76

close of Oct 3, 2026

Fair value

$51.64

Sticker Price

Payback Price

$20.65

buy price

Undervalued

BSRR is Undervalued: at $39.76 it trades 23% below its fair value of $51.64. Its buy price (Payback Price) is $20.65, 48% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth10.0% a year✓
Equity per share growth5.5% a year✗
Sales growth5.1% a year✗
Free cash flow growth3.1% a year✗
Return on invested capital4.6%✗

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Insider activity

Since Jul 31, 2026: no open-market purchases and 1 sale worth $41K. Why purchases matter

Sales

Castle Julie G

director · 2026-07-31

Sold

$41K

About Sierra Bancorp

Sierra Bancorp serves as the holding company for Bank of the Sierra, providing a full suite of retail and commercial banking services to individuals and businesses across California. The institution offers diverse deposit solutions, including checking, savings, money market, time deposits, retirement, and sweep accounts. Its lending portfolio encompasses agricultural, commercial, consumer, real estate, construction…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works