At this time, the company appears to be undervalued. Sierra Bancorp has a current Real Value of $33.35 per share. The regular price of the company is $30.96. Our model measures the value of Sierra Bancorp from inspecting the company fundamentals such as Return On Equity of 0.12, operating margin of 0.35 %, and Shares Outstanding of 13.82 M as well as reviewing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Sierra Bancorp's valuation include:
Price Book
1.2163
Enterprise Value
528.3 M
Price Sales
2.9656
Forward PE
11.4416
Trailing PE
10.9399
Undervalued
Today 30.96
Please note that Sierra Bancorp's price fluctuation is very steady at this time. Calculation of the real value of Sierra Bancorp is based on 3 months time horizon. Increasing Sierra Bancorp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Sierra stock is determined by what a typical buyer is willing to pay for full or partial control of Sierra Bancorp. Since Sierra Bancorp is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Sierra Stock. However, Sierra Bancorp's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
Historical
Market 30.96
Real 33.35
Target 31.25
Hype 30.98
Naive 29.14
The intrinsic value of Sierra Bancorp's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Sierra Bancorp's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Sierra Bancorp helps investors to forecast how Sierra stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Sierra Bancorp more accurately as focusing exclusively on Sierra Bancorp's fundamentals will not take into account other important factors:
Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Sierra Bancorp's intrinsic value based on its ongoing forecasts of Sierra Bancorp's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Sierra Bancorp's closest peers.
Sierra Bancorp Cash
74.13 Million
Sierra Valuation Trend
Sierra Bancorp's real value is important for investors to make better decisions and a more accurate overall view of Sierra Bancorp's financial worth over time. Using both Sierra Bancorp's enterprise value as well as its market capitalization is the best way to gauge the value of the company and is usually enough for investors to make market timing conclusions.
Sierra Revenue by Product
Sierra Bancorp Total Value Analysis
Sierra Bancorp is currently projected to have valuation of 528.29 M with market capitalization of 427.83 M, debt of 274.09 M, and cash on hands of 86.68 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Sierra Bancorp fundamentals before making equity appraisal based on enterprise value of the company
About 57.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.22. Some equities with similar Price to Book (P/B) outperform the market in the long run. Sierra Bancorp has Price/Earnings To Growth (PEG) ratio of 2.27. The entity last dividend was issued on the 5th of May 2025. The firm had 2:1 split on the 17th of November 1997. Based on the analysis of Sierra Bancorp's profitability, liquidity, and operating efficiency, Sierra Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Sierra Bancorp has an asset utilization ratio of 5.29 percent. This connotes that the Company is making $0.0529 for each dollar of assets. An increasing asset utilization means that Sierra Bancorp is more efficient with each dollar of assets it utilizes for everyday operations.
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Sierra Bancorp Ownership Allocation
The market capitalization of Sierra Bancorp is $427.83 Million. Over half of Sierra Bancorp's outstanding shares are owned by institutional holders. These institutional holders are typically referred to as corporate investors that take positions in a given instrument to benefit from reduced trade commissions. Note, that even with substantial debt, if the true value of the company is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.
Sierra Bancorp Profitability Analysis
The company reported the previous year's revenue of 191.14 M. Net Income was 40.56 M with profit before overhead, payroll, taxes, and interest of 144.26 M.
The stock valuation mechanism determines Sierra Bancorp's current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of Sierra Bancorp based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of Sierra Bancorp. We calculate exposure to Sierra Bancorp's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Sierra Bancorp's related companies.
Sierra Bancorp's stock price is the clearest measure of market expectations about its performance. Without stock valuation, investors cannot independently discern whether Sierra Bancorp's value is low or high relative to the company's performance and growth projections. Determining the market value of Sierra Bancorp can be done in different ways, such as multiplying its stock price by its outstanding shares.
A single share of Sierra Bancorp represents a small ownership stake in the entity. As a stockholder of Sierra, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Sierra Bancorp Dividends Analysis For Valuation
As of 07/19/2025, Dividends Paid is likely to grow to about (13 M). In addition to that, Dividend Yield is likely to drop to 0.02. At this time, Sierra Bancorp's Retained Earnings are relatively stable compared to the past year. As of 07/19/2025, Price Earnings Ratio is likely to grow to 14.99, while Earning Assets are likely to drop slightly above 621.8 M.
There are various types of dividends Sierra Bancorp can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Sierra shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Sierra Bancorp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Sierra pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Sierra Bancorp by the value of the dividends paid out.
Sierra Bancorp Growth Indicators
Investing in growth stocks can be very risky. If the company such as Sierra Bancorp does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
Common Stock Shares Outstanding
14.4 M
Quarterly Earnings Growth Y O Y
0.016
Forward Price Earnings
11.4416
Sierra Bancorp Current Valuation Indicators
Sierra Bancorp's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Sierra Bancorp's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Sierra Bancorp, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Sierra Bancorp's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Sierra Bancorp's worth.
Additional Tools for Sierra Stock Analysis
When running Sierra Bancorp's price analysis, check to measure Sierra Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Sierra Bancorp is operating at the current time. Most of Sierra Bancorp's value examination focuses on studying past and present price action to predict the probability of Sierra Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Sierra Bancorp's price. Additionally, you may evaluate how the addition of Sierra Bancorp to your portfolios can decrease your overall portfolio volatility.