Sierra Bancorp (BSRR) reported $40.03 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 3.8%. EPS of $0.72 for the same period compares to $0.74 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $39.2 million, representing a surprise of +2.11%. The company delivered an EPS surprise of -8.86%, with the consensus EPS estimate being $0.79.
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: 3.8% versus the three-analyst average estimate of 3.7%.
- Efficiency ratio (tax-equivalent): 58.1% versus 58.2% estimated by three analysts on average.
- Net Charge-Offs (% of Average Loans): 0% versus the three-analyst average estimate of 0.1%.
- Average Interest-Earning Assets: $3.4 billion compared to the $3.51 billion average estimate based on two analysts.
- Total Non-performing loans: $14.01 million compared to the $15.74 million average estimate based on two analysts.
- Total Nonperforming Assets: $15.85 million compared to the $15.74 million average estimate based on two analysts.
- Total non-interest income: $8.06 million versus $7.41 million estimated by three analysts on average.
- Net Interest Income: $31.97 million versus the three-analyst average estimate of $31.78 million.
View all Key Company Metrics for Sierra Bancorp here>>>
Shares of Sierra Bancorp have returned -7.9% over the past month versus the Zacks S&P 500 composite's +2.5% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform 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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