Sierra Bancorp Stock Retained Earnings

BSRR Stock

USD 31.72 1.12 3.66%

Sierra Bancorp fundamentals help investors to digest information that contributes to Sierra Bancorp's financial success or failures. It also enables traders to predict the movement of Sierra Stock. The fundamental analysis module provides a way to measure Sierra Bancorp's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to Sierra Bancorp stock.

	Last Reported	Projected for Next Year
Retained Earnings	259.1 M	272 M
Retained Earnings Total Equity	279.5 M	160.7 M

As of 11/22/2024, Retained Earnings is likely to grow to about 272 M, while Retained Earnings Total Equity is likely to drop slightly above 160.7 M.

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Sierra Bancorp Company Retained Earnings Analysis

Sierra Bancorp's Retained Earnings is a balance sheet account that refers to the portion of company income that is retained by the firm. In other words, it is a part of earnings that is not paid out as dividends or otherwise distributed to owners. Retained Earnings are calculated by adding net income to last period retained earnings and subtracting any dividends paid to owners.

Retained Earnings

Beginning RE + Income

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Dividends

More About Retained Earnings | All Equity Analysis

Current Sierra Bancorp Retained Earnings

259.05 M

Most of Sierra Bancorp's fundamental indicators, such as Retained Earnings, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Sierra Bancorp is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.

Sierra Retained Earnings Driver Correlations

Understanding the fundamental principles of building solid financial models for Sierra Bancorp is extremely important. It helps to project a fair market value of Sierra Stock properly, considering its historical fundamentals such as Retained Earnings. Since Sierra Bancorp's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Sierra Bancorp's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Sierra Bancorp's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Net Receivables	Total Liab	Total Current Assets	Short Term Debt	Common Stock	Accounts Payable	Short Term Investments	Intangible Assets	Property Plant Equipment	Long Term Debt	Good Will	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Long Term Investments	Short Long Term Debt	Earning Assets	Net Invested Capital	Capital Stock
Total Assets		0.79	0.58	0.99	0.93	0.72	-0.12	0.81	0.73	0.99	0.92	-0.43	0.54	0.74	0.9	0.54	0.58	0.9	0.43	0.76	0.88	0.2	-0.3
Total Stockholder Equity	0.79		0.09	0.78	0.59	0.42	0.21	0.36	0.96	0.75	0.68	-0.14	0.68	0.65	0.75	0.65	0.46	0.82	0.5	0.3	0.77	0.14	0.31
Net Debt	0.58	0.09		0.6	0.79	0.78	-0.58	0.89	0.04	0.62	0.57	-0.52	-0.01	0.48	0.47	-0.24	0.51	0.54	0.14	0.93	0.56	0.46	-0.71
Retained Earnings	0.99	0.78	0.6		0.93	0.7	-0.17	0.82	0.7	0.99	0.93	-0.45	0.49	0.77	0.87	0.52	0.61	0.9	0.44	0.77	0.87	0.2	-0.32
Net Receivables	0.93	0.59	0.79	0.93		0.81	-0.39	0.93	0.5	0.94	0.83	-0.49	0.32	0.7	0.81	0.32	0.62	0.87	0.45	0.92	0.84	0.34	-0.45
Total Liab	0.72	0.42	0.78	0.7	0.81		-0.22	0.73	0.45	0.72	0.59	-0.35	0.5	0.33	0.66	0.05	0.21	0.61	0.44	0.83	0.65	0.49	-0.45
Total Current Assets	-0.12	0.21	-0.58	-0.17	-0.39	-0.22		-0.52	0.37	-0.18	-0.07	0.27	0.49	-0.11	-0.1	0.08	-0.33	-0.22	-0.41	-0.54	-0.31	-0.46	0.39
Short Term Debt	0.81	0.36	0.89	0.82	0.93	0.73	-0.52		0.24	0.84	0.78	-0.61	0.16	0.66	0.65	0.12	0.64	0.76	0.26	0.97	0.75	0.42	-0.62
Common Stock	0.73	0.96	0.04	0.7	0.5	0.45	0.37	0.24		0.68	0.6	0.03	0.77	0.54	0.74	0.59	0.32	0.71	0.41	0.23	0.67	0.09	0.31
Accounts Payable	0.99	0.75	0.62	0.99	0.94	0.72	-0.18	0.84	0.68		0.92	-0.44	0.53	0.73	0.91	0.53	0.59	0.9	0.42	0.8	0.89	0.25	-0.35
Short Term Investments	0.92	0.68	0.57	0.93	0.83	0.59	-0.07	0.78	0.6	0.92		-0.57	0.43	0.75	0.77	0.42	0.61	0.85	0.24	0.7	0.78	0.1	-0.35
Intangible Assets	-0.43	-0.14	-0.52	-0.45	-0.49	-0.35	0.27	-0.61	0.03	-0.44	-0.57		0.07	-0.46	-0.11	0.09	-0.4	-0.41	-0.11	-0.51	-0.31	-0.12	0.37
Property Plant Equipment	0.54	0.68	-0.01	0.49	0.32	0.5	0.49	0.16	0.77	0.53	0.43	0.07		0.12	0.59	0.5	-0.11	0.41	0.21	0.2	0.5	0.27	0.07
Long Term Debt	0.74	0.65	0.48	0.77	0.7	0.33	-0.11	0.66	0.54	0.73	0.75	-0.46	0.12		0.55	0.17	0.92	0.82	0.07	0.55	0.7	-0.04	-0.06
Good Will	0.9	0.75	0.47	0.87	0.81	0.66	-0.1	0.65	0.74	0.91	0.77	-0.11	0.59	0.55		0.62	0.46	0.81	0.42	0.64	0.86	0.23	-0.22
Net Tangible Assets	0.54	0.65	-0.24	0.52	0.32	0.05	0.08	0.12	0.59	0.53	0.42	0.09	0.5	0.17	0.62		0.04	0.41	0.54	0.04	0.47	-0.01	0.14
Long Term Debt Total	0.58	0.46	0.51	0.61	0.62	0.21	-0.33	0.64	0.32	0.59	0.61	-0.4	-0.11	0.92	0.46	0.04		0.77	0.01	0.55	0.68	0.05	-0.04
Capital Surpluse	0.9	0.82	0.54	0.9	0.87	0.61	-0.22	0.76	0.71	0.9	0.85	-0.41	0.41	0.82	0.81	0.41	0.77		0.45	0.71	0.94	0.31	-0.03
Long Term Investments	0.43	0.5	0.14	0.44	0.45	0.44	-0.41	0.26	0.41	0.42	0.24	-0.11	0.21	0.07	0.42	0.54	0.01	0.45		0.28	0.47	0.35	0.15
Short Long Term Debt	0.76	0.3	0.93	0.77	0.92	0.83	-0.54	0.97	0.23	0.8	0.7	-0.51	0.2	0.55	0.64	0.04	0.55	0.71	0.28		0.74	0.5	-0.65
Earning Assets	0.88	0.77	0.56	0.87	0.84	0.65	-0.31	0.75	0.67	0.89	0.78	-0.31	0.5	0.7	0.86	0.47	0.68	0.94	0.47	0.74		0.44	-0.11
Net Invested Capital	0.2	0.14	0.46	0.2	0.34	0.49	-0.46	0.42	0.09	0.25	0.1	-0.12	0.27	-0.04	0.23	-0.01	0.05	0.31	0.35	0.5	0.44		-0.18
Capital Stock	-0.3	0.31	-0.71	-0.32	-0.45	-0.45	0.39	-0.62	0.31	-0.35	-0.35	0.37	0.07	-0.06	-0.22	0.14	-0.04	-0.03	0.15	-0.65	-0.11	-0.18

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Sierra Retained Earnings Historical Pattern

Today, most investors in Sierra Bancorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Sierra Bancorp's growth ratios. Consistent increases or drops in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's retained earnings growth rates may not be enough to decide which company is a better investment. That's why investors frequently use a static breakdown of Sierra Bancorp retained earnings as a starting point in their analysis.

Sierra Bancorp Retained Earnings

Timeline

Retained Earnings shows how the firm utilizes its profits over time. In simple terms, investors can think of retained earnings as the amount of profit the company has reinvested in the business since its inceptions. However the methodology to make a decision over how much profit to retain is different between companies in different industries. For example, growing industries tend to retain more of their earnings than more matured industries as they need more assets investment to sustain their growth.

Competition

Predict Sierra Bancorp

Retained Earnings Over Time

Based on the latest financial disclosure, Sierra Bancorp has a Retained Earnings of 259.05 M. This is 98.3% lower than that of the Banks sector and significantly higher than that of the Financials industry. The retained earnings for all United States stocks is 97.22% higher than that of the company.

Sierra Retained Earnings Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Sierra Bancorp's direct or indirect competition against its Retained Earnings to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Sierra Bancorp could also be used in its relative valuation, which is a method of valuing Sierra Bancorp by comparing valuation metrics of similar companies.

Sierra Bancorp is currently under evaluation in retained earnings category among its peers.

Sierra Bancorp Current Valuation Drivers

We derive many important indicators used in calculating different scores of Sierra Bancorp from analyzing Sierra Bancorp's financial statements. These drivers represent accounts that assess Sierra Bancorp's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Sierra Bancorp's important valuation drivers and their relationship over time.

	2019	2020	2021	2022	2023	2024 (projected)
Market Cap	445.9M	364.0M	413.8M	317.7M	331.6M	205.2M
Enterprise Value	400.7M	327.7M	240.7M	545.1M	698.5M	733.4M

Sierra Bancorp ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Sierra Bancorp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Sierra Bancorp's managers, analysts, and investors.

Environmental

Governance

Social

Sierra Fundamentals

	Return On Equity	0.11
	Return On Asset	0.0098
	Profit Margin	0.25 %
	Operating Margin	0.39 %
	Current Valuation	607.43 M
	Shares Outstanding	14.39 M
	Shares Owned By Insiders	10.68 %
	Shares Owned By Institutions	59.67 %
	Number Of Shares Shorted	83.42 K
	Price To Earning	8.49 X
	Price To Book	1.23 X
	Price To Sales	3.18 X
	Revenue	139.12 M
	Gross Profit	129.72 M
	EBITDA	49.7 M
	Net Income	34.84 M
	Cash And Equivalents	86.68 M
	Cash Per Share	5.80 X
	Total Debt	445.46 M
	Debt To Equity	8.44 %
	Book Value Per Share	25.27 X
	Cash Flow From Operations	53.24 M
	Short Ratio	2.93 X
	Earnings Per Share	2.52 X
	Price To Earnings To Growth	2.27 X
	Target Price	31.0
	Number Of Employees	489
	Beta	0.89
	Market Capitalization	456.56 M
	Total Asset	3.74 B
	Retained Earnings	259.05 M
	Annual Yield	0.03 %
	Five Year Return	3.11 %
	Net Asset	3.74 B
	Last Dividend Paid	0.94

About Sierra Bancorp Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Sierra Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Sierra Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Sierra Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

Pair Trading with Sierra Bancorp

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Sierra Bancorp position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Sierra Bancorp will appreciate offsetting losses from the drop in the long position's value.

Moving together with Sierra Stock

0.89	AX	Axos Financial	Pair Corr
0.9	BY	Byline Bancorp Fiscal Year End 23rd of January 2025	Pair Corr
0.84	PB	Prosperity Bancshares Fiscal Year End 22nd of January 2025	Pair Corr

Moving against Sierra Stock

0.33

Woori Financial Group

Pair Corr

The ability to find closely correlated positions to Sierra Bancorp could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Sierra Bancorp when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Sierra Bancorp - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Sierra Bancorp to buy it.

The correlation of Sierra Bancorp is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Sierra Bancorp moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Sierra Bancorp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.

Correlation analysis and pair trading evaluation for Sierra Bancorp can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.

Pair Correlation Correlation Matching

Additional Tools for Sierra Stock Analysis

When running Sierra Bancorp's price analysis, check to measure Sierra Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Sierra Bancorp is operating at the current time. Most of Sierra Bancorp's value examination focuses on studying past and present price action to predict the probability of Sierra Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Sierra Bancorp's price. Additionally, you may evaluate how the addition of Sierra Bancorp to your portfolios can decrease your overall portfolio volatility.

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