Business Description
Sierra Bancorp
NAICS : 522110
SIC : 6022
ISIN : US82620P1021
Share Class Description:
BSRR: Ordinary SharesDescription
Sierra Bancorp is a California-based bank holding company, which offers a range of retail and commercial banking services. it offers a wide range of deposit products and services for individuals and businesses including checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. The company's lending activities cover real estate, commercial (including small business), mortgage warehouse, agricultural, and consumer loans, and also offers commercial construction loans and multifamily and agricultural credit facilities among other types of real estate loans.
Financial Strength
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 1.11 | |||||
| Equity-to-Asset | 0.1 | |||||
| Debt-to-Equity | 0.47 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 6/9 | |||||
| Beneish M-Score | -2.6 | |||||
| WACC vs ROIC | ||||||
Growth Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 0.2 | |||||
| 3-Year EPS without NRI Growth Rate | -12 | |||||
| 3-Year FCF Growth Rate | 13.1 | |||||
| 3-Year Book Growth Rate | 0.7 |
Momentum Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 38.97 | |||||
| 9-Day RSI | 45.79 | |||||
| 14-Day RSI | 51.01 | |||||
| 6-1 Month Momentum % | 42.96 | |||||
| 12-1 Month Momentum % | 36.97 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 3.18 | |||||
| Dividend Payout Ratio | 0.37 | |||||
| 3-Year Dividend Growth Rate | 4.8 | |||||
| Forward Dividend Yield % | 3.28 | |||||
| 5-Year Yield-on-Cost % | 4.57 | |||||
| 3-Year Average Share Buyback Ratio | 1.3 | |||||
| Shareholder Yield % | 7.08 |
Profitability Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 29.16 | |||||
| FCF Margin % | 27.31 | |||||
| ROE % | 10.83 | |||||
| ROA % | 0.97 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 11.88 | |||||
| Forward PE Ratio | 10.54 | |||||
| PE Ratio without NRI | 11.88 | |||||
| Shiller PE Ratio | 12.54 | |||||
| Price-to-Owner-Earnings | 16.13 | |||||
| PEG Ratio | 3.21 | |||||
| PS Ratio | 3.45 | |||||
| PB Ratio | 1.21 | |||||
| Price-to-Tangible-Book | 1.31 | |||||
| Price-to-Free-Cash-Flow | 12.74 | |||||
| Price-to-Operating-Cash-Flow | 12.21 | |||||
| EV-to-Revenue | 3.29 | |||||
| EV-to-FCF | 11.76 | |||||
| Price-to-Projected-FCF | 0.63 | |||||
| Price-to-DCF (Earnings Based) | 0.79 | |||||
| Price-to-DCF (FCF Based) | 0.96 | |||||
| Price-to-Median-PS-Value | 1.05 | |||||
| Price-to-Graham-Number | 0.83 | |||||
| FCF Yield % | 7.93 | |||||
| Forward Rate of Return (Yacktman) % | 10.85 |
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