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Compared to Estimates, Sierra Bancorp (BSRR) Q2 Earnings: A Look at Key Metrics

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For the quarter ended June 2026, Sierra Bancorp (BSRR - Free Report) reported revenue of $38.98 million, down 0.6% over the same period last year. EPS came in at $0.77, compared to $0.78 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $39.3 million, representing a surprise of -0.81%. The company delivered an EPS surprise of -13.48%, with the consensus EPS estimate being $0.89.

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: 3.7% compared to the 3.7% average estimate based on three analysts.
  • Efficiency ratio (tax-equivalent): 58.9% compared to the 56.5% average estimate based on three analysts.
  • Total Non-performing loans: $10.54 million compared to the $10.1 million average estimate based on two analysts.
  • Net Charge-Offs (% of Average Loans): 0% versus the two-analyst average estimate of 0.1%.
  • Average Interest-Earning Assets: $3.31 billion versus $3.43 billion estimated by two analysts on average.
  • Total Nonperforming Assets: $10.54 million versus $10.1 million estimated by two analysts on average.
  • Total non-interest income: $8.57 million versus $7.47 million estimated by three analysts on average.
  • Net Interest Income: $30.41 million compared to the $31.63 million average estimate based on two analysts.

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

Shares of Sierra Bancorp have returned +2% over the past month versus the Zacks S&P 500 composite's +0.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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