For the quarter ended December 2025, Sierra Bancorp (BSRR) reported revenue of $39.29 million, up 3.8% over the same period last year. EPS came in at $0.97, compared to $0.72 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $39.97 million, representing a surprise of -1.69%. The company delivered an EPS surprise of +14.79%, with the consensus EPS estimate being $0.85.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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 Charge-Offs (% of Average Loans): 0.1% versus 0.2% estimated by three analysts on average.
- Total Nonperforming Assets: $14.8 million compared to the $15.67 million average estimate based on two analysts.
- Total Non-performing loans: $13.23 million versus $14.76 million estimated by two analysts on average.
- Average Interest-Earning Assets: $3.39 billion versus the two-analyst average estimate of $3.43 billion.
- Net Interest Margin: 3.8% versus the two-analyst average estimate of 3.8%.
- Efficiency ratio (tax-equivalent): 57.7% versus the two-analyst average estimate of 57.1%.
- Total non-interest income: $7.34 million versus $7.84 million estimated by two analysts on average.
- Net Interest Income: $31.95 million compared to the $32.33 million average estimate based on two analysts.
View all Key Company Metrics for Sierra Bancorp here>>>
Shares of Sierra Bancorp have returned +11.1% over the past month versus the Zacks S&P 500 composite's +1.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with 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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