Filing Flows › Sierra Bancorp (BSRR) › Q2 2025
Sierra Bancorp (BSRR) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 1, 2025
Sierra Bancorp (BSRR) reported revenue of $39.2M for the second quarter 2025 (Q2 2025), +4% from a year earlier and +7% from the quarter before. Operating margin was 36.3%, net earnings $10.6M (27.1% of revenue).
Sierra Bancorp, Q2 2025: revenue $39.2M (+4% year over year), operating margin 36.3%, net earnings $10.6M, operating cash flow −$35.9M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $39.2M | +7% | +4% |
| Operating profit | $14.2M | +16% | +0.2% |
| Net earnings | $10.6M | +17% | +4% |
| Operating cash flow | −$35.9M | — | — |
What changed
Revenue was $39.2M in Q2 2025, up 4% year over year and up 7% from the previous quarter.
Operating profit was $14.2M, a 36.3% margin (down 1.3 points year over year). Of the extra revenue versus a year earlier, 2% reached operating profit, below the 38% margin then. Total costs grew 6% against revenue growth of 4%. The fastest-growing cost line was Credit loss provision (+31%). Net earnings were $10.6M, up 4% year over year. The effective tax rate was 25.3%.
Operating cash flow was −$35.9M. Non-cash charges added back $539K of share-based compensation. Working capital and other items used $47.0M. Capital expenditures of $451K exceeded it, leaving free cash flow of −$36.3M.
Questions
What was Sierra Bancorp's revenue in the second quarter 2025?
Sierra Bancorp (BSRR) reported revenue of $39.2M for the second quarter 2025 (Q2 2025), +4% from a year earlier and +7% from the quarter before.
Was Sierra Bancorp profitable in the second quarter 2025?
Operating profit was $14.2M (36.3% of revenue) and net earnings $10.6M.
Source: Sierra Bancorp 10-Q on SEC EDGAR.