Filing Flows › Sierra Bancorp (BSRR) › Q3 2026 › vs Q3 2025
Sierra Bancorp (BSRR) Q3 2026 vs Q3 2025 (year over year)
Sierra Bancorp's revenue rose $55K (+0.1%) from $40.0M in Q3 2025 to $40.1M in Q3 2026. The biggest changes: Net interest income +$397K (+1%); Noninterest income −$342K (-4%). Operating margin 49.4% against 31.7% (+17.6 pts).
Sierra Bancorp, Q3 2026: revenue $40.1M (+0.1% year over year), operating margin 49.4%, net earnings $15.3M, operating cash flow $21.4M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 49.4% | 31.7% | +17.6 pts |
| Net margin | 38.1% | 24.2% | +13.9 pts |
| Free cash flow margin | 51.7% | 36.7% | +15.0 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $32.4M | $32.0M | $397K | +1% |
| Noninterest income | $7.7M | $8.1M | −$342K | -4% |
| Revenue | $40.1M | $40.0M | $55K | +0.1% |
| Operating profit | $19.8M | $12.7M | $7.1M | +56% |
| Costs & expenses | $20.3M | $27.3M | −$7.0M | -26% |
| Pre-tax earnings | $19.8M | $12.7M | $7.1M | +56% |
| Net earnings | $15.3M | $9.7M | $5.6M | +58% |
| Income tax | $4.5M | $3.0M | $1.5M | +50% |
| Share-based compensation | $525K | $436K | $89K | +20% |
| Working capital & other | $5.6M | $4.8M | $815K | +17% |
| Operating cash flow | $21.4M | $14.9M | $6.5M | +43% |
| Free cash flow (OCF − capex) | $20.7M | $14.7M | $6.0M | +41% |
| Capital expenditures | $701K | $244K | $457K | +187% |
Questions
How much did Sierra Bancorp's revenue grow year over year in Q3 2026?
Sierra Bancorp's revenue rose $55K (+0.1%) from $40.0M in Q3 2025 to $40.1M in Q3 2026.
What drove Sierra Bancorp's revenue change in Q3 2026?
Net interest income +$397K (+1%); Noninterest income −$342K (-4%).