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BSRRSierra BancorpHold5.9·$41.09-1.42%
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Sierra Bancorp (BSRR) Stock Analysis

Breakout setup · Catalyst-Driven edge

HoldVALUE-TRAP 1/5Moderate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $41.09, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.6% away).

Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking products and services to individuals and businesses in California. It accepts various deposit products, such as checking accounts, savings accounts, money... Read more

$41.09+0.6% A.UpsideScore 5.9/10#106 of 225 Banks - Regional
QualityF-score6 / 9FCF yield
IncomeYield2.53%(5y avg 3.85%)Payout29.53%sustainable
Stop $38.21Target $41.33(resistance)A.R:R -1.0:1
Analyst target$41.50+1.0%4 analysts
$41.33our TP
$41.09price
$41.50mean
$39
$47

Hold if already holding. Not a fresh buy at $41.09, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.6% away). Chart setup: Golden cross, above all MAs, RSI 57, MACD bullish. Maintain position. Not compelling to add more. Score 5.9/10, moderate confidence.

Passes 6/8 gates (positive momentum, no SEC red flags, news events none recent, earnings proximity 23d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Mon, Jul 27, 202623d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (3/4)
Attractive valuation
Strong growth profile
Risks
Analyst target reached - limited upside remaining
Near 52-week high (2.6% away)

Key Metrics

P/E (TTM)12.0
P/E (Fwd)10.6
Mkt Cap$537M
EV/EBITDA
Profit Mgn29.9%
ROE12.8%
Rev Growth11.2%
Beta0.76
Dividend2.53%
Rating analysts11

Quality Signals

Piotroski F6/9MoatNarrow

Options Flow

IV64%elevated

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

10 dimensions · all in-band

GatesA.R:R -1.0=NEGATIVEINSIDER 0.18%=MODERATEMomentum 6.6>=5.5No SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 23d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Aggressive
RSI
57 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $35.26Resistance $42.17

Price Targets

$38
$41
A.Upside+0.6%
A.R:R-1.0:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-14.2% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-27 (23d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is BSRR stock a buy right now?

Hold if already holding. Not a fresh buy at $41.09, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.6% away). Chart setup: Golden cross, above all MAs, RSI 57, MACD bullish. Maintain position. Not compelling to add more. Target $41.33 (+0.6%), stop $38.21 (−7.5%), A.R:R -1.0:1. Score 5.9/10, moderate confidence.

What is the BSRR stock price target?

Take-profit target: $41.33 (+0.6% upside). Target $41.33 (+0.6%), stop $38.21 (−7.5%), A.R:R -1.0:1. Stop-loss: $38.21.

What are the risks of investing in BSRR?

Analyst target reached - limited upside remaining; Near 52-week high (2.6% away).

Is BSRR overvalued or undervalued?

Sierra Bancorp trades at a P/E of 12.0 (forward 10.6). TrendMatrix value score: 7.7/10. Verdict: Hold.

What do analysts say about BSRR?

11 analysts cover BSRR with a consensus score of 3.7/5. Average price target: $42.

What does Sierra Bancorp do?Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking...

Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking products and services to individuals and businesses in California. It accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. The company's loan products include real estate, commercial, mortgage warehouse, agricultural, and consumer loans. It also offers automated teller machines; electronic point-of-sale payment alternatives; multiple account access options; online account opening platform; online banking with bill-pay and mobile banking capabilities, including mobile check deposit; online lending solutions for consumers and small businesses; customer service center services; an automated telephone banking system; and remote deposit capture and payroll services. Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California.

Related stocks: NBN (Northeast Bank) · BWFG (Bankwell Financial Group, Inc.) · NPB (Northpointe Bancshares, Inc.) · CUBI (Customers Bancorp, Inc) · COFS (ChoiceOne Financial Services, I)
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