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Sierra Bancorp BSRR Q4 2025 Annual earnings

Reported February 2, 2026 · Before market open

Revenue$39.3MMiss by $750.3K
EPS$0.97Beat by $0.12
Revenue estimate$40.0M
EPS estimate$0.85

Next report

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

Financials

Q4 2025

Income statement

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Revenue$39.3M+3.8%
Net income$12.9M+24.4%
EPS (diluted)$0.96+33.3%

Balance sheet

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Cash & equivalents$135.6M+34.7%
Total debt$426.1M+134%
Total equity$364.9M+2.1%
Total assets$3.8B+5.9%

Cash flow

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Operating cash flow$14.0M-36.8%
CapEx$452.0K+80.1%
Free cash flow$13.5M-38.1%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$440.61M+5.8%
Enterprise value$731.08M+46.9%
P/E10.4×+0.1×
P/S2.8×+0.1×

Profitability

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Net margin27.3%+0.5pp

Returns & leverage

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Return on equity11.7%+0.1pp
Debt / equity1.2×+0.7×

Segments

By product

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Other Service Charges On Deposits$2.6M-2.3%
Debit Card$2.0M-0.4%
Returned Item And Overdraft Fees$1.4M-0.1%

FAQ

When did Sierra Bancorp report Q4 2025 earnings?
Sierra Bancorp (BSRR) reported Q4 2025 earnings on February 2, 2026 before market open.
What were Sierra Bancorp's Q4 2025 revenue and EPS?
Sierra Bancorp reported revenue of $39.3M and eps of $0.97 for Q4 2025.
Did Sierra Bancorp beat estimates in Q4 2025?
Revenue missed the consensus estimate of $40.0M by $750.3K. EPS beat the consensus estimate of $0.85 by $0.12.
How did Sierra Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 11.9% from $44.6M a year earlier and eps grew 34.7% from $0.72.
Where can I find Sierra Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001104659-26-008313) and the 10-K periodic report (0001104659-26-021479) directly on SEC EDGAR. The filing index links above go to sec.gov.