BSRR PEER ANALYSIS

Sierra Bancorp — metric-by-metric comparison with peers and the industry median

BSRRSierra Bancorp

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

BSRRIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	BSRR	TSKB	ICBCT	NWG	ISBTR	LLOY	Ind. Median
P/E	11.70	2.96●	15.65	9.21	—	13.42	12.96
P/B	1.47	0.71●	3.99	1.41	31,504.34	1.41	1.29
EV/EBITDA	5.05	2.21	-9.21●	-8.40	418,782.20	14.85	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	BSRR	TSKB	ICBCT	NWG	ISBTR	LLOY	Ind. Median
Current Ratio	0.19	—	—	0.25●	—	0.12	0.31
Debt/Equity	109.5%	0.0%●	0.0%●	17.0%	0.0%●	209.8%	38.0%
NetDebt/EBITDA	-3.40	-0.47	-20.34	-14.68	-28.33●	5.39	-0.58

Profitability
Metric	BSRR	TSKB	ICBCT	NWG	ISBTR	LLOY	Ind. Median
Net Margin	23.0%	54.9%●	24.7%	20.1%	28.1%	25.9%	20.6%
ROE	12.8%	27.4%	28.9%●	14.9%	20.2%	10.6%	10.9%
ROA	1.2%	3.7%●	1.1%	0.8%	1.8%	0.5%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	BSRR	TSKB	ICBCT	NWG	ISBTR	LLOY	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	13.4%	-1.3%	—	16.0%	71.8%●	16.2%	19.4%
Div. Yield	2.5%	—	—	4.8%●	—	3.2%	2.5%
Payout	29.8%	—	—	—	—	—	31.4%

Valuation
Metric	BSRR	HBCP	FFIC	FBIZ	COFS	SFST	Ind. Median
P/E	11.70	11.67	15.23	10.26	9.01●	14.52	12.96
P/B	1.47	1.22	0.75●	1.39	1.07	1.34	1.29
EV/EBITDA	5.05	-0.21●	15.42	4.97	7.28	13.33	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	BSRR	HBCP	FFIC	FBIZ	COFS	SFST	Ind. Median
Current Ratio	0.19	0.22	32.60●	0.15	0.52	0.03	0.31
Debt/Equity	109.5%	12.3%●	67.2%	81.7%	49.7%	69.8%	38.0%
NetDebt/EBITDA	-3.40	-8.96●	5.72	-3.11	1.67	3.04	-0.58

Profitability
Metric	BSRR	HBCP	FFIC	FBIZ	COFS	SFST	Ind. Median
Net Margin	23.0%	22.2%	7.2%	18.2%	23.1%●	17.0%	20.6%
ROE	12.8%	11.0%	4.9%	14.3%●	12.4%	9.8%	10.9%
ROA	1.2%	1.3%●	0.4%	1.2%	1.3%	0.8%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	BSRR	HBCP	FFIC	FBIZ	COFS	SFST	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	13.4%	21.6%	—	10.3%	676.2%●	91.5%	19.4%
Div. Yield	2.5%	1.7%	5.7%●	1.9%	3.3%	—	2.5%
Payout	29.8%	19.9%	88.2%	21.5%	30.6%	—	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.