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Sierra Bancorp vs C & F Financial: BSRR and CFFI compared
Sierra Bancorp is the larger company: $40.1M of revenue in its latest quarter (Q3 2026) against $38.2M for C & F Financial (Q3 2026). C & F Financial is growing faster (+6% against +0.1% a year earlier). Sierra Bancorp is more profitable, with an operating margin of 49.4% against 26.6%.
Where the money goes: BSRR and CFFI
Sierra Bancorp (BSRR) · Q3 2026
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 follows the revenue to costs, profit and cash.
C & F Financial (CFFI) · Q3 2026
C & F Financial, Q3 2026: revenue $38.2M (+6% year over year), operating margin 26.6%, net earnings $8.3M, operating cash flow $29.3M. The chart follows the revenue to costs, profit and cash.
| Sierra Bancorp (BSRR) | C & F Financial (CFFI) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $40.1M | $38.2M |
| Revenue growth, Y/Y | +0.1% | +6% |
| Operating margin | 49.4% | 26.6% |
| Net earnings | $15.3M | $8.3M |
| Net margin | 38.1% | 21.7% |
| Operating cash flow | $21.4M | $29.3M |
| Free cash flow | $20.7M | $26.3M |
Where the revenue comes from
Sierra Bancorp
- Net interest income: $32.4M (81%)
- Noninterest income: $7.7M (19%)
Questions
Which is bigger, Sierra Bancorp or C & F Financial?
Sierra Bancorp is the larger company: $40.1M of revenue in its latest quarter (Q3 2026) against $38.2M for C & F Financial (Q3 2026).
Is Sierra Bancorp or C & F Financial growing faster?
C & F Financial is growing faster (+6% against +0.1% a year earlier).
Which is more profitable, Sierra Bancorp or C & F Financial?
Sierra Bancorp is more profitable, with an operating margin of 49.4% against 26.6%.
More: Sierra Bancorp earnings · how Sierra Bancorp makes money · C & F Financial earnings · how C & F Financial makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Oct 30, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.