BSRR
Sierra BancorpCNasdaq / Banks
Last Price
At close
2026-07-21
Current thesis
Bull case: steady NIM expansion and continued dividend support lead to multiple re-ratings toward the analyst high; deposit stability and modest loan growth validate higher multiple assumptions.
Posture
Mixed
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-07-27.
What can break
Adverse loan-loss provisions or local CRE weakness
Momentum
56
Value
56
Sentiment
42
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $34.40 · Bull $39.00 · Bear $28.00
Earnings
2026-07-27
Data freshness
Prices
As of 2026-07-21
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-21 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-27 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-07-21
Investment thesis
As of 2026-07-21
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $42.25
Why
Momentum56 · Δ7d -0.6
Value56 · Δ7d -0.1
Sentiment42 · Δ7d -2.6
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Value · See fundamentals
Momentum
56
26% active weight
Current posture
7d trendSoftening
Δ7d
-0.6
Δ21d
-12.3
Value
56
39% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
-0.5
Sentiment
42
34% active weight
Current posture
7d trendSoftening
Δ7d
-2.6
Δ21d
-5.3
Why this grade
Composite grade C. Momentum 56.2 / Value 56.2 / Sentiment 41.7
Fundamentals (TTM)As of 2026-07-21
Fundamentals (TTM)
As of 2026-07-21
Market Cap
$547.5M
Beta
0.79
Shares Out
13.08M
P/E (TTM)
11.6
P/S (TTM)
2.89
P/FCF (TTM)
16.63
Rev YoY
+0.2%
EPS YoY
+46.2%
Gross Margin
-
Op Margin
+33.7%
Net Debt
$447.64M
Current Ratio
0.08
As of 2026-07-21 • Updated nightlySource: Internal modelMethodology