Compared to Estimates, Sierra Bancorp (BSRR) Q2 Earnings: A Look at Key Metrics

Financial Performance - Sierra Bancorp reported revenue of $39.21 million for the quarter ended June 2025, a year-over-year increase of 3.7% [1] - The EPS for the same period was $0.78, compared to $0.71 a year ago, indicating a positive growth in earnings [1] - The reported revenue exceeded the Zacks Consensus Estimate of $38.35 million, resulting in a surprise of +2.23% [1] - The company delivered an EPS surprise of +5.41%, with the consensus EPS estimate being $0.74 [1] Key Metrics - Net Interest Margin was reported at 3.7%, slightly below the average estimate of 3.8% based on three analysts [4] - The Efficiency Ratio (tax-equivalent) was 59.4%, compared to the average estimate of 59.6% based on three analysts [4] - Net Charge-Offs as a percentage of Average Loans stood at 0.3%, higher than the average estimate of 0.1% [4] - Average Interest-Earning Assets were $3.39 billion, exceeding the average estimate of $3.36 billion from two analysts [4] - Total Non-performing Loans were reported at $14.98 million, lower than the estimated $16.35 million by two analysts [4] - Total Nonperforming Assets matched the Non-performing Loans figure at $14.98 million, also below the $16.35 million average estimate [4] - Total Non-interest Income was $8.55 million, surpassing the average estimate of $7.21 million from three analysts [4] - Net Interest Income was reported at $30.65 million, slightly below the average estimate of $31.03 million from three analysts [4] Stock Performance - Shares of Sierra Bancorp have returned +2.4% over the past month, compared to the Zacks S&P 500 composite's +4.9% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]