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Sierra Bancorp (BSRR) Fair Value & Analysis

Financial Services · US · Market cap $516M

Price$40.66
Fair Value$42.07
Upside+3.5%
Quality95/100
Evidence: High Range $31.55 – $52.59

Fair value as of: Jun 25, 2026

Analysis

Sierra Bancorp (BSRR) currently trades at $40.66, while our model-based Fair Value estimate is $42.07 — implying the stock looks roughly 3.5% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking products and services to individuals and businesses in California. It accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. The company's loan products include real estate, commercial, mortgage warehouse, agricultural, and consumer loans. It also offers automated teller machines; electronic point-of-sale payment alternatives; multiple account access options; online account opening platform; online banking with bill-pay and mobile banking capabilities, including mobile check deposit; online lending solutions for consumers and small businesses; customer service center services; an automated telephone banking system; and remote deposit capture and payroll services. Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California.

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Frequently asked questions

Is Sierra Bancorp (BSRR) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $42.07 versus a price of $40.66 — about +3% (undervalued). Model-based estimate, not financial advice.
What is the fair value of BSRR?
Our 21-model fair value for Sierra Bancorp is $42.07 (as of Jun 25, 2026), built from audited fundamentals. The current price is $40.66.
What is the quality score of BSRR?
Sierra Bancorp has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.