Sierra Bancorp (BSRR)

Over the past six months, Sierra Bancorp's stock has been impacted by several events, including the release of Q3 2025 financial results showing a decrease in net income but an increase in diluted earnings per share due to stock repurchases. The company approved a new share repurchase program and declared regular quarterly cash dividends. Insider trading activity included a top executive selling shares and a director making a stock purchase. The stock price recently passed above its two hundred day moving average. Overall, Sierra Bancorp's stock has seen an increase of 6.79% in the past six months and 17.10% over the past year.

The provided information does not explicitly detail the demand seasonality for Sierra Bancorp's products and services. It is plausible that certain loan products, such as agricultural loans, could experience seasonality tied to agricultural cycles. However, without direct information, specific demand seasonality cannot be confirmed.

Sierra Bancorp (BSRR) is a bank holding company based in Porterville, California, operating through its subsidiary, Bank of the Sierra, offering retail and commercial banking products and services. Its offerings include deposit accounts like checking, savings, and CDs, as well as lending options such as commercial, agricultural, and residential loans. Additionally, it provides services like cash management, online banking, and payroll services.

Sierra Bancorp's geographic footprint is concentrated in California, with a strong presence in the Central Valley region, including Tulare, Kern, Fresno, and Kings counties. The company has expanded its operations to include the Central Coast, Ventura County, and Santa Barbara counties. Sierra Bancorp operates 35 full-service branches, along with several administrative and loan production offices, and maintains a specialized agricultural credit office in Templeton, California.

Sierra Bancorp maintains a strong brand reputation, particularly within the community banking sector. Bank of the Sierra was recognized as one of the strongest and top-performing community banks in the country, earning a 5-star rating from Bauer Financial. MarketBeat evaluated Sierra Bancorp as scoring higher than 72% of companies and ranking 417th out of 910 stocks in the finance sector. The company's annual reports have an aggregate usefulness score of 4.8 out of 5.0 based on 62 reviews on AnnualReports.com. The company emphasizes a community-focused approach, relationship banking, and local market expertise, which contributes to its positive reputation.

Institutional investors are the dominant force in Sierra Bancorp's ownership, collectively holding between 55.40% and 57.30% of the company's shares. Major institutional owners include BlackRock, Inc., Dimensional Fund Advisors Lp, Vanguard Group Inc, Private Management Group Inc, The Manufacturers Life Insurance Company, Geode Capital Management, Llc, and State Street Corp. Insider ownership accounts for 11.63% of the stock. As of June 2025, insider holdings were approximately 3.57%, with James C. Holly holding 2.05% of shares as of November 2024. In the past three months, insider selling has exceeded insider buying.