BSRR Sierra Bancorp - Common Stock
$40.27
Price · Aug 19, 2026
Fundamentals as of Jul 31, 2026
52W Range
$26–$43
83% of range
Analyst Rating
HOLD
11 analysts
Price Target
$43
+7% upside
P/E (TTM)
12.9
ROE
11.8%
Net Profit Margin
27.3%
BSRR Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$40.27
Market Cap
$535M
P/E (TTM)
12.9
EPS (TTM)
$3.11
Revenue (TTM)
—
Div Yield
2.6%
ROE
11.8%
Debt/Equity
1.1
52W Range
$26 – $43
BSRR Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
—
EPS
$3.11
2016-12-31
→
2025-12-31
Free Cash Flow
$32M
2016-12-31
→
2025-12-31
Margins
27.3%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
BSRR
Peer Median
P/E (TTM)
12.9
11.6
P/S (TTM)
3.4
2.2
P/B
1.5
1.2
EV / EBITDA
-3892.9
—
Price / FCF
16.6
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
BSRR
Peer Median
Net Profit Margin
27.3%
28.9%
ROA
1.1%
1.2%
ROE
11.8%
12.4%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
BSRR
Peer Median
Debt / Equity
1.1
0.0
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
BSRR
Peer Median
Revenue YoY
2.5%
—
Revenue CAGR 3Y
3.4%
—
Revenue CAGR 5Y
3.5%
—
EPS YoY
10.3%
—
Net Income YoY
4.4%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
BSRR
Peer Median
Payout Ratio
32.5%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
2.6%
Payout Ratio
32.5%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| Aug. 3, 2026 | $0.2700 |
| May 4, 2026 | $0.2600 |
| Feb. 9, 2026 | $0.2600 |
| Nov. 3, 2025 | $0.2500 |
| Aug. 4, 2025 | $0.2500 |
| May 5, 2025 | $0.2500 |
| Feb. 3, 2025 | $0.2500 |
| Oct. 31, 2024 | $0.2400 |
| July 31, 2024 | $0.2400 |
| April 29, 2024 | $0.2300 |
| Jan. 30, 2024 | $0.2300 |
| Oct. 30, 2023 | $0.2300 |
| July 28, 2023 | $0.2300 |
| April 28, 2023 | $0.2300 |
| Jan. 30, 2023 | $0.2300 |
| Oct. 28, 2022 | $0.2300 |
| July 29, 2022 | $0.2300 |
| April 29, 2022 | $0.2300 |
| Jan. 28, 2022 | $0.2300 |
| Oct. 28, 2021 | $0.2200 |
BSRR Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
11 analysts
- Strong Buy 2 18.2%
- Buy 4 36.4%
- Hold 5 45.5%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
4 analysts · 2026-08-15
Median
$43.00
Now
$40.27
Low
$39.00
High
$47.00
Median target
$43.00
+6.8%
Mean target
$43.00
+6.8%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.00%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $0.77 | $0.91 | -0.14% |
| March 31, 2026 | $0.96 | $0.84 | 0.12% |
| Dec. 31, 2025 | $0.97 | $0.86 | 0.11% |
| Sept. 30, 2025 | $0.72 | $0.80 | -0.08% |
| June 30, 2025 | $0.78 | $0.75 | 0.03% |
| March 31, 2025 | $0.65 | $0.67 | -0.02% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| BSRR | $434M | 10.5 | 2.5% | 27.3% | 11.8% | — |
| CIVB | — | 8.4 | -0.52% | 242.9% | 9.8% | — |
| HBCP | $453M | 9.8 | 10.2% | 31.0% | 10.9% | — |
| BWFG | $362M | 10.3 | 44.0% | 1245.5% | 12.0% | — |
| OBT | $382M | 8.6 | 18.1% | 32.7% | 15.5% | — |
| COFS | $443M | 14.7 | 63.6% | 12.4% | 6.3% | — |
| PDLB | $395M | 13.6 | 30.5% | 26.3% | 5.4% | — |
| BSVN | $388M | 9.1 | -1.1% | 44.7% | 18.6% | — |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 11
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | $52M | $51M | $12M | $4M | $5M | $14M | $9M | $5M | $3M | $3M | $3M | |
| Interest Income | $171M | $172M | $163M | $122M | $113M | $110M | $111M | $102M | $81M | $69M | $63M | $55M | |
| Other Non-op | · | · | · | · | · | · | · | $23M | $22M | $20M | $19M | $15M | |
| Pretax Income | $56M | $54M | $46M | $45M | $57M | $47M | $48M | $40M | $33M | $26M | $27M | $21M | |
| Income Tax | $14M | $13M | $12M | $11M | $14M | $11M | $12M | $10M | $14M | $9M | $9M | $6M | |
| Net Income | $42M | $41M | $35M | $34M | $43M | $35M | $36M | $30M | $20M | $18M | $18M | $15M | |
| EPS (Basic) | $3.14 | $2.84 | $2.37 | $2.25 | $2.82 | $2.33 | $2.35 | $1.94 | $1.38 | $1.30 | $1.34 | $1.09 | |
| EPS (Diluted) | $3.11 | $2.82 | $2.36 | $2.24 | $2.80 | $2.32 | $2.33 | $1.92 | $1.36 | $1.29 | $1.33 | $1.08 | |
| Shares (Basic) | 13,496,560 | 14,284,401 | 14,706,141 | 14,955,756 | 15,241,957 | 15,216,749 | 15,311,113 | 15,261,794 | 14,172,196 | 13,530,293 | 13,460,605 | 14,001,958 | |
| Shares (Diluted) | 13,593,119 | 14,396,021 | 14,737,870 | 15,022,755 | 15,353,445 | 15,280,325 | 15,437,111 | 15,432,120 | 14,357,782 | 13,651,804 | 13,585,110 | 14,136,486 | |
| EBITDA | $-206.0K | $-170.0K | $-311.0K | $-279.0K | $-411.0K | $-663.0K | $-1M | $3M | $3M | $3M | $2M | $2M |
Balance Sheet 18
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $136M | $101M | $79M | $77M | $258M | $71M | $80M | $74M | $70M | $120M | $49M | $50M | |
| PP&E (Net) | $15M | $15M | $17M | $22M | $24M | $28M | $27M | $30M | $29M | $29M | $22M | $22M | |
| PP&E (Gross) | $46M | $46M | $47M | $60M | $60M | $63M | $60M | $61M | $59M | $56M | $49M | $49M | |
| Accum. Depreciation | $31M | $31M | $30M | $37M | $36M | $36M | $33M | $33M | $30M | $30M | $27M | $27M | |
| Goodwill | $27M | $27M | $27M | $27M | $27M | $27M | $27M | $27M | $27M | $8M | $7M | $7M | |
| Intangibles | $52.0K | $618.0K | $1M | $2M | $3M | $4M | $5M | $6M | $6M | $3M | $930.0K | $1M | |
| Total Assets | $3.83B | $3.61B | $3.73B | $3.61B | $3.37B | $3.22B | $2.59B | $2.52B | $2.34B | $2.03B | $1.80B | $1.64B | |
| Short-term Debt | $354M | $109M | $388M | $328M | $107M | $182M | $20M | $56M | $22M | $65M | $75M | $18M | |
| Total Liabilities | $3.46B | $3.26B | $3.39B | $3.31B | $3.01B | $2.88B | $2.28B | $2.25B | $2.08B | $1.83B | $1.61B | $1.45B | |
| Long-term Debt | · | · | · | · | · | · | · | · | $0 | $0 | $2M | $6M | |
| Total Debt | $403M | $158M | $437M | $377M | $156M | $143M | $20M | $56M | $22M | $65M | $75M | $18M | |
| Common Stock | $103M | $109M | $110M | $113M | $113M | $113M | $113M | $113M | $111M | $73M | $62M | $64M | |
| Paid-in Capital | · | · | · | · | · | · | · | · | · | $3M | $3M | $3M | |
| Retained Earnings | $280M | $275M | $259M | $243M | $234M | $208M | $187M | $164M | $144M | $132M | $123M | $116M | |
| AOCI | $-23M | $-31M | $-36M | $-57M | $11M | $18M | $6M | $-7M | $-2M | $-2M | $3M | $4M | |
| Stockholders' Equity | $365M | $357M | $338M | $304M | $362M | $344M | $309M | $273M | $256M | $206M | $190M | $187M | |
| Liabilities + Equity | $3.83B | $3.61B | $3.73B | $3.61B | $3.37B | $3.22B | $2.59B | $2.52B | $2.34B | $2.03B | $1.80B | $1.64B | |
| Shares Outstanding | 13,273,788 | 14,223,046 | 14,793,832 | 15,170,372 | 15,270,010 | 15,388,423 | 15,284,538 | 15,300,460 | 15,223,360 | 13,776,589 | 13,254,088 | 13,689,181 |
Cash Flow 16
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $-206.0K | $-170.0K | $-311.0K | $-279.0K | $-411.0K | $-663.0K | $-1M | $-2M | $-1M | $3M | $2M | $2M | |
| Stock-based Comp | $2M | $2M | $2M | $1M | $995.0K | $688.0K | $490.0K | $373.0K | $476.0K | $188.0K | $35.0K | $181.0K | |
| Deferred Tax | $-105.0K | $4M | $-2M | $311.0K | $85.0K | $-3M | $-97.0K | $-308.0K | $-1M | · | $2M | $-1M | |
| Amort. of Intangibles | $566.0K | $781.0K | $876.0K | $1M | $1M | $1M | $1M | $1M | $508.0K | $272.0K | $134.0K | $11.0K | |
| Other Non-cash | $-11M | $11M | $19M | $2M | $9M | $7M | $11M | $-3M | $18M | $-3M | $8M | $12M | |
| Operating Cash Flow | $34M | $57M | $53M | $34M | $53M | $40M | $47M | $30M | $41M | $16M | $29M | $29M | |
| CapEx | $2M | $1M | $1M | $1M | $371.0K | $3M | $783.0K | $3M | $2M | $4M | $3M | $2M | |
| Investing Cash Flow | $-183M | $141M | $-84M | $-481M | $21M | $-627M | $-53M | $-188M | $-52M | $-21M | · | $-145M | |
| Stock Repurchased | $32M | $16M | $9M | $5M | $5M | $3M | $3M | $0 | $0 | $2M | $8M | $10M | |
| Net Stock Activity | $-32M | $-16M | $-9M | $-5M | $-5M | $-3M | $-3M | $0 | $0 | $-2M | $-8M | $-10M | |
| Dividends Paid | $14M | $14M | $14M | $14M | $13M | $12M | $11M | $10M | $8M | $7M | $6M | $5M | |
| Financing Cash Flow | $185M | $-176M | $32M | $267M | $113M | $579M | $12M | $162M | $-39M | $78M | · | $88M | |
| Net Change in Cash | · | · | · | · | · | · | · | $4M | $-50M | $72M | $-1M | $-28M | |
| Taxes Paid | $10M | $9M | $10M | $13M | $14M | $14M | $12M | $11M | $7M | · | · | · | |
| Free Cash Flow | $32M | $56M | $52M | $32M | $52M | $37M | $46M | $27M | $39M | $14M | $27M | $26M | |
| Levered FCF | · | $17M | $14M | $23M | $49M | $33M | $36M | $20M | $36M | $12M | $26M | $24M |
Profitability 5
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 27.3% | 26.8% | 24.4% | 24.0% | 31.4% | 27.1% | 29.8% | 26.0% | 20.0% | 20.8% | 23.2% | 22.4% | |
| Pretax Margin | 36.3% | 35.5% | 32.5% | 32.0% | 41.7% | 35.5% | 39.5% | 34.7% | 34.0% | 31.2% | 34.9% | 31.4% | |
| EBITDA Margin | -0.13% | -0.11% | -0.22% | -0.20% | -0.30% | -0.51% | -0.85% | 2.8% | 3.1% | 3.1% | 2.9% | 3.1% | |
| ROA | 1.1% | 1.1% | 0.95% | 0.96% | 1.3% | 1.2% | 1.4% | 1.2% | 0.89% | 0.92% | 1.1% | 1.0% | |
| ROE | 11.8% | 11.3% | 10.8% | 11.2% | 11.8% | 10.4% | 11.7% | 11.1% | 8.2% | 8.5% | 9.6% | 8.2% |
Liquidity & Solvency 2
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.1 | 0.4 | 1.3 | 1.2 | 0.4 | 0.4 | 0.1 | 0.2 | 0.1 | 0.3 | 0.4 | 0.1 | |
| LT Debt / Equity | 0.1 | 0.1 | 0.1 | 0.2 | 0.1 | · | · | · | · | · | · | · |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Growth Rates 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 2.5% | 6.1% | 1.7% | 2.4% | 4.7% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 3.4% | 3.4% | 2.9% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 3.5% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 10.3% | 19.5% | 5.4% | -20.0% | 20.7% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | 11.6% | 0.24% | 0.57% | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 6.0% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 4.4% | 16.4% | 3.5% | -21.8% | 21.3% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | 7.9% | -1.9% | -0.57% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 3.6% | · | · | · | · | · | · | · | · | · | · | · | |
| Dividend CAGR 5Y | 2.4% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM) 17
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $155M | $152M | $143M | $140M | $137M | $131M | $121M | $114M | $97M | $84M | $78M | $68M | |
| Net Income TTM | $42M | $41M | $35M | $34M | $43M | $35M | $36M | $30M | $20M | $18M | $18M | $15M | |
| Market Cap | $434M | $411M | $334M | $322M | $415M | $368M | $445M | $368M | $404M | $366M | $234M | $240M | |
| Enterprise Value | $701M | $469M | $692M | $622M | $313M | $440M | $385M | $350M | $356M | $311M | $261M | $208M | |
| P/E | 10.5 | 10.3 | 9.6 | 9.5 | 9.7 | 10.3 | 12.5 | 12.5 | 19.5 | 20.6 | 13.3 | 16.3 | |
| P/S | 2.8 | 2.7 | 2.3 | 2.3 | 3.0 | 2.8 | 3.7 | 3.2 | 4.1 | 4.3 | 3.0 | 3.5 | |
| P/B | 1.2 | 1.2 | 1.0 | 1.1 | 1.1 | 1.1 | 1.4 | 1.3 | 1.6 | 1.8 | 1.2 | 1.3 | |
| P / Tangible Book | 1.3 | 1.2 | 1.1 | 1.2 | 1.2 | 1.2 | · | · | · | · | · | · | |
| P / Cash Flow | 12.9 | 7.2 | 6.3 | 9.6 | 7.9 | 9.2 | 9.5 | 12.1 | 9.8 | 20.9 | 7.9 | 8.4 | |
| P / FCF | 13.5 | 7.3 | 6.4 | 10.0 | 7.9 | 9.9 | 9.7 | 13.5 | 10.3 | 26.3 | 8.6 | 9.2 | |
| EV / EBITDA | -3403.9 | -2758.3 | -2224.8 | -2231.1 | -761.9 | -663.0 | -376.4 | 110.2 | 117.5 | 120.3 | 114.7 | 98.9 | |
| EV / FCF | 21.8 | 8.4 | 13.3 | 19.3 | 6.0 | 11.8 | 8.4 | 12.8 | 9.1 | 22.3 | 9.6 | 8.0 | |
| EV / Revenue | 4.5 | 3.1 | 4.8 | 4.4 | 2.3 | 3.4 | 3.2 | 3.1 | 3.7 | 3.7 | 3.3 | 3.1 | |
| Dividend Yield | 3.2% | 3.3% | 4.1% | 4.3% | 3.2% | 3.3% | 2.5% | 2.6% | 2.0% | 1.8% | 2.4% | 2.0% | |
| Earnings Yield | 9.5% | 9.8% | 10.5% | 10.5% | 10.3% | 9.7% | 8.0% | 8.0% | 5.1% | 4.9% | 7.5% | 6.2% | |
| Payout Ratio | 32.5% | 33.6% | 39.4% | 41.3% | 30.8% | 34.4% | 31.5% | 32.9% | 40.6% | 37.0% | 31.3% | 31.3% | |
| Annual Payout | $14M | $14M | $14M | $14M | $13M | $12M | $11M | $10M | $8M | $7M | $6M | $5M |
Income Statement 10
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Revenue | $6M | · | · | · | $6M | |
| Interest Income | $41M | $41M | $43M | $44M | $43M | |
| Pretax Income | $13M | $17M | $17M | $13M | $14M | |
| Income Tax | $3M | $4M | $4M | $3M | $4M | |
| Net Income | $10M | $13M | $13M | $10M | $11M | |
| EPS (Basic) | $0.77 | $0.96 | $0.97 | $0.73 | $0.78 | |
| EPS (Diluted) | $0.77 | $0.96 | $0.96 | $0.72 | $0.78 | |
| Shares (Basic) | 12,848,133 | 12,988,932 | -27,248,952 | 13,361,594 | 13,563,910 | |
| Shares (Diluted) | 12,959,127 | 13,097,176 | -27,431,132 | 13,470,658 | 13,637,252 | |
| EBITDA | · | $-19.0K | · | · | · |
Balance Sheet 16
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $143M | $156M | $136M | $96M | $130M | |
| PP&E (Net) | $14M | $14M | $15M | $15M | $15M | |
| PP&E (Gross) | · | · | $46M | · | · | |
| Accum. Depreciation | · | · | $31M | · | · | |
| Goodwill | $27M | $27M | $27M | $27M | $27M | |
| Intangibles | · | · | $52.0K | · | · | |
| Total Assets | $3.72B | $3.75B | $3.83B | $3.71B | $3.77B | |
| Short-term Debt | · | · | $354M | · | · | |
| Total Liabilities | $3.35B | $3.39B | $3.46B | $3.35B | $3.41B | |
| Total Debt | $50M | $50M | · | $49M | $49M | |
| Common Stock | $103M | $103M | $103M | $104M | $105M | |
| Retained Earnings | $284M | $281M | $280M | $276M | $274M | |
| AOCI | $-24M | $-25M | $-23M | $-25M | $-29M | |
| Stockholders' Equity | $367M | $364M | $365M | $360M | $356M | |
| Liabilities + Equity | $3.72B | $3.75B | $3.83B | $3.71B | $3.77B | |
| Shares Outstanding | 12,963,397 | 13,093,184 | 13,273,788 | 13,482,458 | 13,681,828 |
Cash Flow 14
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| D&A | $12.0K | $-19.0K | $-5.0K | $-52.0K | $-15.0K | |
| Stock-based Comp | $491.0K | $494.0K | $734.0K | $436.0K | $539.0K | |
| Deferred Tax | $2M | $-145.0K | $-795.0K | $1M | $-183.0K | |
| Amort. of Intangibles | $13.0K | $39.0K | $80.0K | $162.0K | $162.0K | |
| Other Non-cash | · | $-2M | · | · | · | |
| Operating Cash Flow | $5M | $11M | $14M | $15M | $-36M | |
| CapEx | $46.0K | $83.0K | $452.0K | $244.0K | $451.0K | |
| Investing Cash Flow | $19M | $93M | $-80M | $22M | $-193M | |
| Stock Repurchased | $5M | $10M | $8M | $6M | $4M | |
| Net Stock Activity | · | $-10M | · | · | · | |
| Dividends Paid | $3M | $3M | $3M | $3M | $3M | |
| Financing Cash Flow | $-38M | $-84M | $106M | $-71M | $199M | |
| Taxes Paid | · | · | $2M | $0 | · | |
| Free Cash Flow | · | $11M | · | · | · |
Profitability 5
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Net Margin | 165.7% | 32.5% | · | 24.2% | 27.1% | |
| Pretax Margin | 221.8% | 43.4% | · | 31.7% | 36.3% | |
| EBITDA Margin | · | -0.05% | · | · | · | |
| ROA | 0.26% | 0.34% | · | 0.26% | 0.29% | |
| ROE | 2.8% | 3.5% | · | 2.7% | 3.0% |
Liquidity & Solvency 2
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Debt / Equity | 0.1 | 0.1 | · | 0.1 | 0.1 | |
| LT Debt / Equity | 0.1 | 0.1 | · | 0.1 | 0.1 |
Efficiency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 |
Valuation (TTM) 15
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Revenue TTM | · | $155M | · | $154M | $152M | |
| Net Income TTM | $43M | $42M | · | $40M | $41M | |
| Market Cap | $528M | $444M | · | $390M | $406M | |
| Enterprise Value | $435M | $337M | · | $344M | $326M | |
| P/E | 12.6 | 10.9 | · | 10.1 | 10.3 | |
| P/S | · | 2.9 | · | 2.5 | 2.7 | |
| P/B | 1.4 | 1.2 | · | 1.1 | 1.1 | |
| P / Tangible Book | 1.6 | 1.3 | · | 1.2 | 1.2 | |
| P / Cash Flow | · | 40.1 | · | · | · | |
| P / FCF | · | 40.4 | · | · | · | |
| EV / EBITDA | · | -17750.3 | · | · | · | |
| EV / FCF | · | 30.7 | · | · | · | |
| EV / Revenue | · | 2.2 | · | 2.2 | 2.1 | |
| Earnings Yield | 7.9% | 9.2% | · | 9.9% | 9.7% | |
| Payout Ratio | · | 27.4% | · | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Net Income | $42M | $41M | $35M | $34M | $43M |
| Diluted EPS | $3.11 | $2.82 | $2.36 | $2.24 | $2.80 |
Balance Sheet
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Debt / Equity | 1.1 | 0.4 | 1.3 | 1.2 | 0.4 |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $32M | $56M | $52M | $32M | $52M |
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
My Metrics Your personal watchlist — selected rows from Full Fundamentals
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Institutional owners (13F) 133 filers · $226.2M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 22 (+11 vs prior Q) | 5 (-4 vs prior Q) | 30 (+3 vs prior Q) | 40 (-3 vs prior Q) | +372K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| DIMENSIONAL FUND ADVISORS LP | $36,064,163 | 884,793 | 15.95% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $21,481,702 | 527,029 | 9.50% | Shares |
| PRIVATE MANAGEMENT GROUP INC | $17,692,897 | 434,075 | 7.82% | Shares |
| AMERICAN CENTURY COMPANIES INC | $15,190,274 | 372,676 | 6.72% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $14,576,021 | 357,606 | 6.44% | Shares |
| JANUS HENDERSON GROUP PLC | $11,672,991 | 344,133 | 5.16% | Shares |
| STATE STREET CORP | $11,273,890 | 276,592 | 4.98% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $11,035,926 | 270,684 | 4.88% | Shares |
| FMR LLC | $8,629,911 | 211,725 | 3.82% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $7,573,697 | 185,812 | 3.35% | Shares |
| BASSWOOD CAPITAL MANAGEMENT, L.L.C. | $7,503,468 | 184,089 | 3.32% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $5,506,717 | 135,101 | 2.43% | Shares |
| Foundry Partners, LLC | $4,896,286 | 175,620 | 2.16% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $4,058,636 | 99,574 | 1.79% | Shares |
| BANC FUNDS CO LLC | $4,045,634 | 99,255 | 1.79% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $3,997,659 | 98,078 | 1.77% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $3,829,769 | 93,959 | 1.69% | Shares |
| Empowered Funds, LLC | $3,346,437 | 82,101 | 1.48% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $3,173,818 | 77,866 | 1.40% | Shares |
| Fisher Asset Management, LLC | $1,976,941 | 48,502 | 0.87% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1,427,986 | 35,034 | 0.63% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $1,420,078 | 34,840 | 0.63% | Shares |
| Trexquant Investment LP | $1,317,241 | 32,317 | 0.58% | Shares |
| BlackRock, Inc. | $1,263,397 | 30,996 | 0.56% | Shares |
| Quantinno Capital Management LP | $1,070,276 | 26,258 | 0.47% | Shares |
| PANAGORA ASSET MANAGEMENT INC | $1,057,233 | 25,938 | 0.47% | Shares |
| STATE OF WISCONSIN INVESTMENT BOARD | $935,401 | 22,949 | 0.41% | Shares |
| D. E. Shaw & Co., Inc. | $881,027 | 21,615 | 0.39% | Shares |
| AMERIPRISE FINANCIAL INC | $846,626 | 20,771 | 0.37% | Shares |
| TWO SIGMA INVESTMENTS, LP | $778,557 | 19,101 | 0.34% | Shares |
| Mutual Advisors, LLC | $772,443 | 18,951 | 0.34% | Shares |
| Bank of New York Mellon Corp | $767,185 | 18,822 | 0.34% | Shares |
| JACOBS LEVY EQUITY MANAGEMENT, INC | $665,529 | 16,328 | 0.29% | Shares |
| RHUMBLINE ADVISERS | $622,969 | 15,284 | 0.28% | Shares |
| FEDERATED HERMES, INC. | $602,392 | 14,779 | 0.27% | Shares |
| LAZARD ASSET MANAGEMENT LLC | $582,257 | 14,285 | 0.26% | Shares |
| VOYA INVESTMENT MANAGEMENT LLC | $560,287 | 13,746 | 0.25% | Shares |
| Pasadena Private Wealth, LLC | $538,032 | 13,200 | 0.24% | Shares |
| BANK OF AMERICA CORP /DE/ | $511,661 | 12,553 | 0.23% | Shares |
| ALLIANCEBERNSTEIN L.P. | $505,272 | 14,896 | 0.22% | Shares |
| MKT Advisors LLC | $502,040 | 12,320 | 0.22% | Shares |
| MORGAN STANLEY | $489,079 | 11,999 | 0.22% | Shares |
| XTX Topco Ltd | $482,191 | 11,830 | 0.21% | Shares |
| FRANKLIN RESOURCES INC | $476,566 | 11,692 | 0.21% | Shares |
| MILLENNIUM MANAGEMENT LLC | $471,471 | 11,567 | 0.21% | Shares |
| PRUDENTIAL FINANCIAL INC | $432,708 | 10,616 | 0.19% | Shares |
| TWO SIGMA ADVISERS, LP | $415,036 | 12,700 | 0.18% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $405,033 | 9,937 | 0.18% | Shares |
| Sequoia Financial Advisors, LLC | $384,979 | 9,445 | 0.17% | Shares |
| Engineers Gate Manager LP | $375,155 | 9,204 | 0.17% | Shares |
| Integrated Quantitative Investments LLC | $365,087 | 8,957 | 0.16% | Shares |
| GOLDMAN SACHS GROUP INC | $364,557 | 8,944 | 0.16% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $344,952 | 8,463 | 0.15% | Shares |
| Mariner, LLC | $337,293 | 8,275 | 0.15% | Shares |
| STRS OHIO | $334,232 | 8,200 | 0.15% | Shares |
| MetLife Investment Management, LLC | $326,039 | 7,999 | 0.14% | Shares |
| CANADA PENSION PLAN INVESTMENT BOARD | $285,320 | 7,000 | 0.13% | Shares |
| Brandywine Global Investment Management, LLC | $267,715 | 8,192 | 0.12% | Shares |
| Gradient Investments LLC | $267,386 | 6,560 | 0.12% | Shares |
| JPMORGAN CHASE & CO | $241,358 | 5,936 | 0.11% | Shares |
| SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLC | $228,093 | 5,596 | 0.10% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $225,077 | 5,522 | 0.10% | Shares |
| Western Financial Corp/CA | $218,440 | 5,359 | 0.10% | Shares |
| Corient Private Wealth LP | $216,315 | 5,307 | 0.10% | Shares |
| CWM, LLC | $202,028 | 5,956 | 0.09% | Shares |
| Vanguard Global Advisers, LLC | $200,988 | 4,931 | 0.09% | Shares |
| Invesco Ltd. | $193,855 | 4,756 | 0.09% | Shares |
| CITADEL ADVISORS LLC | $177,428 | 4,353 | 0.08% | Shares |
| VANGUARD GROUP INC | $161,145 | 4,931 | 0.07% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $155,459 | 3,814 | 0.07% | Shares |
| PUBLIC EMPLOYEES RETIREMENT SYSTEM OF OHIO | $149,263 | 3,662 | 0.07% | Shares |
| BFSG, LLC | $146,736 | 3,600 | 0.06% | Shares |
| Police & Firemen's Retirement System of New Jersey | $142,660 | 3,500 | 0.06% | Shares |
| BARCLAYS PLC | $140,988 | 3,459 | 0.06% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $123,748 | 3,036 | 0.05% | Shares |
| OSAIC HOLDINGS, INC. | $112,680 | 2,763 | 0.05% | Shares |
| Integrated Wealth Concepts LLC | $94,045 | 2,308 | 0.04% | Shares |
| Ameritas Advisory Services, LLC | $94,033 | 2,307 | 0.04% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $81,765 | 2,006 | 0.04% | Shares |
| MARSHALL WACE, LLP | $77,485 | 1,901 | 0.03% | Shares |
| NORTHERN TRUST CORP | $76,955 | 1,888 | 0.03% | Shares |
| DEUTSCHE BANK AG\ | $74,958 | 1,839 | 0.03% | Shares |
| Nuveen, LLC | $67,580 | 1,658 | 0.03% | Shares |
| Arax Advisory Partners | $52,093 | 1,278 | 0.02% | Shares |
| Nuveen Asset Management, LLC | $47,949 | 1,658 | 0.02% | Shares |
| WHITTIER TRUST CO | $47,357 | 1,159 | 0.02% | Shares |
| Legal & General Group Plc | $45,488 | 1,116 | 0.02% | Shares |
| Ameritas Investment Partners, Inc. | $41,494 | 1,018 | 0.02% | Shares |
| Tower Research Capital LLC (TRC) | $37,010 | 908 | 0.02% | Shares |
| CITIGROUP INC | $36,847 | 904 | 0.02% | Shares |
| Creative Planning | $29,021 | 712 | 0.01% | Shares |
| Pinnacle Wealth Planning Services, Inc. | $26,576 | 652 | 0.01% | Shares |
| WELLS FARGO & COMPANY/MN | $24,456 | 600 | 0.01% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $22,489 | 663 | 0.01% | Shares |
| Rockefeller Capital Management L.P. | $20,462 | 502 | 0.01% | Shares |
| ROYAL BANK OF CANADA | $15,000 | 376 | 0.01% | Shares |
| IFP Advisors, Inc | $12,269 | 301 | 0.01% | Shares |
| UBS Group AG | $12,228 | 300 | 0.01% | Shares |
| GAMMA Investing LLC | $9,905 | 243 | 0.00% | Shares |
| Sterling Capital Management LLC | $9,864 | 242 | 0.00% | Shares |
Company insiders 32 insiders · 14 officers · 16 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Kevin J Mcphaill | President/CEO | Feb. 23, 2026 F | 67,807 | 0 | 3 | $-747,144 |
| Christopher G Treece | EVP/Chief Financial Officer | May 22, 2026 M | 39,095 | 0 | 1 | $-381,800 |
| Kenneth E Goodwin | E.V.P./Chief Operating Officer | April 29, 2005 S | 201,190 | 0 | 0 | $0 |
| Hugh F Boyle | EVP/Chief Credit Officer | May 29, 2026 S | 21,781 | 0 | 1 | $-382,100 |
| Natalia M Coen | EVP/CRO | Feb. 23, 2026 F | 26,836 | 0 | 0 | $0 |
| Michael Olague | EVP/Chief Banking Officer | Feb. 23, 2026 F | 26,799 | 0 | 0 | $0 |
| Cindy L Dabney | SVP/Chief Accounting Officer | Dec. 3, 2025 M | 6,905 | 0 | 4 | $-110,176 |
| William J Wade | EVP/Chief Operations Officer | Nov. 18, 2025 A | 13,990 | 0 | 0 | $0 |
| Matthew Dusi | SVP/Head of Commercial Banking | March 21, 2025 F | 8,767 | 0 | 0 | $0 |
| Jennifer Ann Johnson | EVP/Chief Admin. Officer | Nov. 19, 2023 F | 36,792 | 0 | 0 | $0 |
| James F Gardunio | EVP/Chief Credit Officer | Oct. 23, 2020 M | 0 | 0 | 0 | $0 |
| Matthew Joseph Macia | EVP/Chief Risk Officer | Aug. 20, 2020 A | 22,222 | 0 | 0 | $0 |
| Kenneth Taylor | EVP/Chief Financial Ofcr | Jan. 15, 2020 M | 43,000 | 0 | 0 | $0 |
| Charlie C Glenn | SVP/Chief Credit Officer | Feb. 2, 2005 S | 11,018 | 0 | 0 | $0 |
| Julie G Castle | Director | July 31, 2026 S | 1,181 | 0 | 4 | $-78,530 |
| Vonn R Christenson | Director | May 18, 2026 M | 189 | 0 | 2 | $-190,208 |
| Albert L Berra | Director | Feb. 17, 2026 M | 147,843 | 0 | 0 | $0 |
| James C Holly | Director | Feb. 5, 2026 M | 302,970 | 0 | 1 | $-189,650 |
| Lynda Scearcy | Director | Jan. 15, 2026 M | 30,133 | 0 | 3 | $-208,268 |
| Susan M Abundis | Director | Dec. 10, 2025 S | 7,603 | 0 | 1 | $-20,100 |
| Michele M Gil | Director | Nov. 20, 2025 A | 6,702 | 0 | 0 | $0 |
| Ermina Karim | Director | Nov. 20, 2025 A | 6,702 | 0 | 0 | $0 |
| Laurence S Dutto | Director | Nov. 20, 2025 A | 11,139 | 1 | 0 | $11,512 |
| Morris A Tharp | Director | Nov. 20, 2025 A | 11,139 | 0 | 0 | $0 |
| Gordon T Woods | Director | Nov. 16, 2023 A | 8,433 | 0 | 0 | $0 |
| Robb Evans | Director | Aug. 20, 2020 A | 3,333 | 0 | 0 | $0 |
| Robert L Fields | Director | Jan. 23, 2018 M | 410,578 | 0 | 0 | $0 |
| Vincent L Jurkovich | Director | Nov. 15, 2012 A | 159,450 | 0 | 0 | $0 |
| Robert H Tienken | Director | March 3, 2009 P | 213,911 | 0 | 0 | $0 |
| Gregory A Childress | Director | Aug. 28, 2006 J | 0 | 0 | 0 | $0 |
| Childress Patricia | 10% owner | March 28, 2013 S | 318,742 | 0 | 0 | $0 |
| Howard H Smith | — | Nov. 3, 2005 M | 451,000 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
Activists & 5%+ owners 2 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Basswood Capital Management, L.L.C., Basswood Partners, L.L.C., Basswood Enhanced Long Short GP, LLC, Basswood Financial Fund, LP, Basswood Financial Fund, Inc., Basswood Financial Long Only Fund, LP, Basswood Enhanced Long Short Fund, LP, Main Street Master, Ltd., BCM Select Equity I Master, Ltd., Matthew Lindenbaum, Bennett Lindenbaum ×5 filings | Feb. 23, 2016 | — | Initial filing | — | SEC |
| Patricia L. Childress, Carol A. Bates ×2 filings | Jan. 28, 2009 | — | Initial filing | — | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
ETF ownership Held by 34 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| FSCC · Federated Hermes ETF Trust | 0.19% | 13,896 NS | May 31, 2026 | N-PORT |
| IWC · iShares Trust | 0.11% | 40,880 SH | Aug. 8, 2026 | Daily |
| GSSC · Goldman Sachs ETF Trust | 0.05% | 11,927 NS | May 31, 2026 | N-PORT |
| AVUV · AMERICAN CENTURY ETF TRUST | 0.04% | 292,670 NS | May 31, 2026 | N-PORT |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.04% | 27,894 NS | May 31, 2026 | N-PORT |
| IWN · iShares Trust | 0.03% | 121,674 SH | Aug. 8, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.03% | 10,454 SH | Aug. 8, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.03% | 61,495 NS | April 30, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.02% | 90,298 NS | April 30, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.02% | 1,313 SH | Aug. 8, 2026 | Daily |
| PKW · Invesco Exchange-Traded Fund Trust | 0.02% | 7,834 SH | Aug. 8, 2026 | Daily |
| IWM · iShares Trust | 0.02% | 334,389 SH | Aug. 8, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 5,235 NS | April 30, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.01% | 568 NS | May 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 43,189 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 135,791 SH | Aug. 8, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 69,038 SH | Aug. 8, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.01% | 19,066 SH | Aug. 8, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.01% | 6,929 SH | Aug. 8, 2026 | Daily |
| UWM · ProShares Trust | 0.01% | 445 NS | May 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.01% | 594 NS | April 30, 2026 | N-PORT |
| URTY · ProShares Trust | 0.00% | 447 NS | May 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 34,990 NS | April 30, 2026 | N-PORT |
| MSSM · MORGAN STANLEY PATHWAY FUNDS | 0.00% | 536 NS | May 31, 2026 | N-PORT |
| EBI · RBB Fund Trust | 0.00% | 366 NS | May 31, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 11 NS | May 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 1,100 NS | April 30, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 1,104 NS | April 30, 2026 | N-PORT |
| AVUS · AMERICAN CENTURY ETF TRUST | 0.00% | 3,469 NS | May 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 2,409 NS | April 30, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 2,643 NS | April 30, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 2,190 SH | Aug. 8, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 378,762 SH | Aug. 8, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,016 SH | Aug. 8, 2026 | Daily |