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Sierra Bancorp BSRR Q3 2025 earnings

Reported October 27, 2025 · Before market open

Revenue$37.7MMiss by $2.3M
EPS$0.72Miss by $0.07
Revenue estimate$40.0M
EPS estimate$0.79

Next report

Oct 26, 2026 (in 3 months)
Revenue estimate$39.6M
EPS estimate$0.91

Financials

Q3 2025

Income statement

See full
Revenue$40.0M+3.8%
Net income$9.7M-8.5%
EPS (diluted)$0.72-2.7%

Balance sheet

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Cash & equivalents$95.5M-28.1%
Total debt$72.6M+47.0%
Total equity$360.1M+0.4%
Total assets$3.7B+0.4%

Cash flow

See full
Operating cash flow$14.9M-45.5%
CapEx$244.0K+107%
Free cash flow$14.7M-46.1%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$392.89M-5.9%
Enterprise value$369.97M+10.7%
P/E9.9×-1.6×
P/S2.6×-0.2×

Profitability

See full
Net margin25.9%+1.5pp

Returns & leverage

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Return on equity11.1%+0.1pp
Debt / equity0.2×+0.1×

Segments

By product

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Other Service Charges On Deposits$2.7M-1.2%
Debit Card$2.0M-0.3%
Returned Item And Overdraft Fees$1.4M-6.9%

FAQ

When did Sierra Bancorp report Q3 2025 earnings?
Sierra Bancorp (BSRR) reported Q3 2025 earnings on October 27, 2025 before market open.
What were Sierra Bancorp's Q3 2025 revenue and EPS?
Sierra Bancorp reported revenue of $37.7M and eps of $0.72 for Q3 2025.
Did Sierra Bancorp beat estimates in Q3 2025?
Revenue missed the consensus estimate of $40.0M by $2.3M. EPS missed the consensus estimate of $0.79 by $0.07.
How did Sierra Bancorp's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 4.1% from $36.2M a year earlier and eps declined 2.7% from $0.74.
Where can I find Sierra Bancorp's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001104659-25-102011) and the 10-Q periodic report (0001104659-25-104565) directly on SEC EDGAR. The filing index links above go to sec.gov.