Sierra Bancorp (BSRR) reported $39.21 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 3.7%. EPS of $0.78 for the same period compares to $0.71 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $38.35 million, representing a surprise of +2.23%. The company delivered an EPS surprise of +5.41%, with the consensus EPS estimate being $0.74.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Sierra Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net Interest Margin: 3.7% compared to the 3.8% average estimate based on three analysts.
- Efficiency ratio (tax-equivalent): 59.4% compared to the 59.6% average estimate based on three analysts.
- Net Charge-Offs (% of Average Loans): 0.3% versus the three-analyst average estimate of 0.1%.
- Average Interest-Earning Assets: $3.39 billion versus the two-analyst average estimate of $3.36 billion.
- Total Non-performing loans: $14.98 million versus $16.35 million estimated by two analysts on average.
- Total Nonperforming Assets: $14.98 million compared to the $16.35 million average estimate based on two analysts.
- Total non-interest income: $8.55 million versus $7.21 million estimated by three analysts on average.
- Net Interest Income: $30.65 million versus the three-analyst average estimate of $31.03 million.
View all Key Company Metrics for Sierra Bancorp here>>>
Shares of Sierra Bancorp have returned +2.4% over the past month versus the Zacks S&P 500 composite's +4.9% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
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Sierra Bancorp (BSRR): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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