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Sierra Bancorp (BSRR) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Oct 30, 2026 · Sierra Bancorp (BSRR) Q3 2026 earnings results →
Q3 2026 Revenue up 0% year over year to $40.1M · 38¢ of every $1 of revenue kept as net profit · operating margin 49.4%
Sierra Bancorp made $40.1M in Q3 2026 (+0.1% Y/Y): Net interest income $32.4M, Noninterest income $7.7M. Operating margin 49.4%, net earnings $15.3M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 30, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $40.1M in Q3 2026, roughly flat year over year and up 3% from the previous quarter. Net interest income was the largest line at 81% of revenue. Net interest income added $397K year over year (up 1%), 722% of the total change. Noninterest income declined 4%.
Operating profit was $19.8M, a 49.4% margin (up 17.6 points year over year). Of the extra revenue versus a year earlier, 12871% reached operating profit, above the 32% margin then. Total costs fell 26% while revenue was flat. Net earnings were $15.3M, up 58% year over year. The effective tax rate was 22.7%.
Operating cash flow was $21.4M (up 43% year over year), 140% of net earnings. Non-cash charges added back $525K of share-based compensation. Working capital and other items added $5.6M. Capital expenditures of $701K left free cash flow of $20.7M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Oct 30, 2026 | $40.1M | +0.1% | 49.4% | $15.3M | $21.4M |
| Q2 2026 | 10-Q | Jul 31, 2026 | $39.0M | -0.6% | 34.1% | $9.9M | $5.5M |
| Q2 2025 | 10-Q | Aug 1, 2025 | $39.2M | +4% | 36.3% | $10.6M | −$35.9M |
Charts
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Sierra Bancorp
Sierra Bancorp (the “Company”) is a California corporation headquartered in Porterville, California, and is a registered bank holding company under federal banking laws. The Company was formed to serve as the holding company for Bank of the Sierra (the “Bank”). The Company has been the Bank’s sole shareholder since August 2001. The Company exists primarily for the purpose of holding the stock of the Bank and of such other subsidiaries it may acquire or establish. As of December 31, 2025, the Company’s only other subsidiaries were Sierra Statutory Trust II, Sierra Capital Trust III, and Coast Bancorp Statutory Trust II, which were formed solely to facilitate the issuance of capital trust pass-through securities (“TruPS”).
In its own words, from its 10-K, filed Feb 27, 2026.
Sierra Bancorp against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +0.1% against the peers' median +10%. Operating margin: 49.4% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| BSRR Sierra Bancorp | Q3 2026 | $40.1M | +0.1% | 49.4% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Sierra Bancorp 10-Q on SEC EDGAR · CIK 1130144 · State Commercial Banks
13F: who owns BSRR and who is buying
More on BSRR
History
Every quarter: Q3 2026 results · Q2 2026 results · Q2 2025 results