
Sierra Bancorp (BSRR) Stock Forecast & Price Target
Sierra Bancorp (BSRR) Analyst Ratings
Bulls say
Sierra Bancorp has demonstrated a solid financial performance with a notable improvement in net interest margin (NIM), which increased by 9 basis points quarter-over-quarter to reach 3.74%. Additionally, the bank reported a strong loan growth of 4% in a seasonally soft first quarter, highlighting effective lending strategies and robust demand. Furthermore, the increase in the allowance for loan losses (ACL) to 1.34% reflects prudent risk management practices, suggesting the bank is preparing for potential risks while maintaining a healthy lending portfolio.
Bears say
Sierra Bancorp faces significant risks that contribute to a negative outlook, primarily stemming from potential earnings per share (EPS) misses due to deposit outflows, which could result in lower-than-expected loan growth. Additionally, the bank's net interest margin (NIM) may be adversely affected if deposit pressures persist in a prolonged high-interest rate environment. While non-performing assets to loans and other real estate owned (NPA+OREO) showed a slight improvement, the fundamental risks outlined indicate potential challenges for future financial performance.
This aggregate rating is based on analysts' research of Sierra Bancorp and is not a guaranteed prediction by Public.com or investment advice.
Sierra Bancorp (BSRR) Analyst Forecast & Price Prediction
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