BSRRSIERRA BANCORP
State Commercial Banks
- Revenue
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- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- −$138M net debt
- AI in 10-K
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Red flags 2 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashFired80% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowFired135% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear1% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $43M | $34M | $35M | $41M | $42M | 4.4% |
| Operating cash flow | $53M | $34M | $53M | $57M | $34M | 41% |
| Capex | $371K | $1M | $1M | $1M | $2M | 33% |
| Stock-based comp | $995K | $1M | $2M | $2M | $2M | 13% |
| Buybacks | $5M | $5M | $9M | $16M | $32M | 101% |
| Dividends | $13M | $14M | $14M | $14M | $14M | 0.7% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $2M | $2M | 166 | 160 |
| FY2024 | $1M | $2M | 142 | 146 |
| FY2023 | $2M | $2M | 107 | 123 |
| FY2022 | $1M | $1M | 96 | 123 |
| FY2021 | $1M | $1M | 178 | 139 |