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Sierra Bancorp (BSRR) Reports Q1 Earnings: What Key Metrics Have to Say

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Sierra Bancorp (BSRR - Free Report) reported $38.58 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 5%. EPS of $0.96 for the same period compares to $0.65 a year ago.

The reported revenue represents a surprise of -2.66% over the Zacks Consensus Estimate of $39.63 million. With the consensus EPS estimate being $0.82, the EPS surprise was +17.07%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Sierra Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Net Interest Margin: 3.8% versus the four-analyst average estimate of 3.8%.
  • Efficiency ratio (tax-equivalent): 56.5% versus the four-analyst average estimate of 58.8%.
  • Net Charge-Offs (% of Average Loans): 0% versus 0.2% estimated by three analysts on average.
  • Average Interest-Earning Assets: $3.35 billion versus $3.48 billion estimated by three analysts on average.
  • Total Nonperforming Assets: $10.41 million versus the three-analyst average estimate of $9.75 million.
  • Total Non-performing loans: $10.41 million compared to the $12.62 million average estimate based on two analysts.
  • Total non-interest income: $7.97 million compared to the $7.87 million average estimate based on four analysts.
  • Net Interest Income: $30.61 million compared to the $31.76 million average estimate based on three analysts.

View all Key Company Metrics for Sierra Bancorp here>>>

Shares of Sierra Bancorp have returned +8.9% over the past month versus the Zacks S&P 500 composite's +9.3% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.

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