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STOCK COMPARISON

Sierra Bancorp vs DBS Group Holdings: Fair Value & Quality

Both stocks run through our valuation models. Here is how Sierra Bancorp (BSRR) and DBS Group Holdings (D05) compare, as of Sep 24, 2026.

As of Sep 24, 2026, Fair Value Calculator sees Sierra Bancorp as the less overvalued of the two: Sierra Bancorp trades at $39.40 versus a fair value of $27.31 (-31%), while DBS Group Holdings trades at S$77.69 versus S$40.48 (-48%).
Sierra Bancorp
BSRR · USD · Financials
-31%
upside to fair value
overvalued
Price$39.40
Fair Value$27.31
Quality59/100
DBS Group Holdings
D05.SG · SGD · Financials
-48%
upside to fair value
overvalued
PriceS$77.69
Fair ValueS$40.48
Quality65/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

Sierra BancorpDBS Group Holdings
Valuation
11.5×P/E (TTM)20.2×
3.50×P/S (TTM)7.73×
1.47×P/B2.50×
9.6×EV/EBITDAn/a
1.43×PEG3.44×
−30.7%Fair value upside−47.9%
2.6%Dividend yield3.7%
$1.02Dividend per shareS$2.85
Profitability
43%Operating margin60%
0.76×EBIT margin trend (5Y)0.99×
13%Return on equity16%
1%Return on assets1%
Growth
11%Revenue growth (YoY)3%
12.3%Avg. growth/yr (3Y)11.6%
9.7%Avg. growth/yr (5Y)9.4%
+8.6%Value creation/yr+12.7%
Balance & size
1.2×Interest coverage (EBIT/interest)0.6×
0.45×Debt / equity0.69×
$536MMarket cap$172B
healthyGrowth qualityhealthy

Sierra Bancorp leads: 9 to 4 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Sierra Bancorpof which business quality 53 · market factors 69 DBS Group Holdingsof which business quality 61 · market factors 93
ProfitabilityMargins and returns on capital today
33
38
Quality GrowthAre margins and returns improving?
54
54
CashflowEarnings quality: real cash, not paper profit
63
84
Fin. StrengthBalance sheet, leverage, solvency risk
12
56
InvestmentDisciplined investing over empire-building
86
78
Low VolatilityCalm price path (market factor)
78
100
MomentumPrice trend over the last 3–12 months (market factor)
59
86
52W MomentumDistance to the 52-week high (market factor)
75
98
Net IssuanceShare count: buybacks or dilution?
100
65

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familySierra BancorpPrice $39.40DBS Group HoldingsPrice S$77.69
Dividend Discount-65%below the price$13.84-35%below the priceS$50.54
Multiples+3%close to the price$40.57-46%below the priceS$42.04
Asset-Based-53%below the price$18.69-79%below the priceS$16.26
Economic Profit-32%below the price$26.84-60%below the priceS$31.26
Minimum-65%below the price$13.84-79%below the priceS$16.26
Maximum+3%close to the price$40.57-35%below the priceS$50.54
Median-42%below the price$22.77-53%below the priceS$36.65
Geometric mean-42%below the price$23.04-59%below the priceS$32.24

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Sierra Bancorp: 5 of 6 models see the stock below the current price.

DBS Group Holdings: 6 of 6 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Sierra Bancorp
Price $39.40
Fair Value $27.31
Bear $24.35Bull $42.41
DBS Group Holdings
Price S$77.69
Fair Value S$40.48
Bear S$29.38Bull S$50.60

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Sierra Bancorp · Financials

Quality score59 · above median
Fair value upside-31% · below median

DBS Group Holdings · Financials

Quality score65 · Top 25%
Fair value upside-48% · bottom 25%

Bottom line

As of Sep 24, 2026, Fair Value Calculator sees Sierra Bancorp as the less overvalued of the two: Sierra Bancorp trades at $39.40 versus a fair value of $27.31 (-31%), while DBS Group Holdings trades at S$77.69 versus S$40.48 (-48%).

DBS Group Holdings has the higher quality score (65/100).

Open Sierra Bancorp live analysis →

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.