Sierra Bancorp (BSRR) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - Sierra Bancorp reported revenue of $40.03 million for Q3 2025, a year-over-year increase of 3.8% and a surprise of +2.11% compared to the Zacks Consensus Estimate of $39.2 million [1] - The company's EPS for the quarter was $0.72, down from $0.74 a year ago, with an EPS surprise of -8.86% against the consensus estimate of $0.79 [1] Financial Performance Metrics - Net Interest Margin was reported at 3.8%, slightly above the three-analyst average estimate of 3.7% [4] - The Efficiency Ratio (tax-equivalent) was 58.1%, compared to the estimated 58.2% by three analysts [4] - Net Charge-Offs as a percentage of Average Loans were 0%, better than the average estimate of 0.1% [4] - Average Interest-Earning Assets totaled $3.4 billion, below the average estimate of $3.51 billion [4] - Total Non-performing Loans were $14.01 million, compared to the average estimate of $15.74 million [4] - Total Nonperforming Assets were $15.85 million, slightly above the average estimate of $15.74 million [4] - Total Non-interest Income was $8.06 million, exceeding the average estimate of $7.41 million [4] - Net Interest Income was reported at $31.97 million, above the average estimate of $31.78 million [4] Stock Performance - Shares of Sierra Bancorp have returned -7.9% over the past month, while the Zacks S&P 500 composite has increased by +2.5% [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]