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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Sierra Bancorp
Sierra Bancorp (BSRR) investor relations material
Sierra Bancorp Conference presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Conference presentation summary4 Nov, 2026
Business profile
$3.7B in assets and 34 offices across California’s Central Valley and Central Coast; serves small and midsize businesses and more than 95,000 consumer customers.
Stock at $41.90, 10.80x TTM earnings, 11.20x consensus 2026 earnings, 1.62x tangible book value, and $543.3M market capitalization as of Oct. 30, 2026.
Repurchased 1,024,792 shares, or 7%, in 2025 and 396,429 shares YTD 2026; current repurchase plan expires Oct. 31, 2027.
Announced a $0.27 quarterly dividend, the 111th consecutive quarterly cash dividend; payable Nov. 9, 2026, to holders of record Nov. 2, 2026.
Strategy and priorities
Targets 10% annualized core EPS growth, using a 5-2-0 model for growth in margin, noninterest income, and noninterest expense, respectively.
Margin growth focus: low-cost deposits and modest loan growth; low-single-digit noninterest income growth from money service fees and debit interchange; disciplined expense management.
Plans to supplement income growth with dividends and opportunistic repurchases, and selectively consider strategic acquisitions; priorities also include talent, customer experience, and operational efficiency.
Third-quarter financial performance
Q3 2026 diluted EPS rose 64% YoY to $1.18; ROAA increased to 1.66% from 1.04%, and ROAE to 16.49% from 10.81%.
Net interest margin increased 13 bps YoY to 3.91%; annualized noninterest income to average assets was 0.84% versus 0.86%.
Efficiency ratio improved to 54.86% from 58.05%; overall expenses declined 6% YoY.
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Latest events from Sierra Bancorp
- A 17th straight year of earnings growth came with rising credit and margin pressures.BSRR
Q4 1999 - Acquisition-fueled growth strained earnings and capital, driving a 2001 consolidation plan.BSRRQ4 2000
- Record 2001 earnings and new capital strengthened the base for expansion.BSRRQ4 2001
- Record FY 2003 earnings accompanied rapid loan growth and a one-time REIT tax-benefit reversal.BSRRQ4 2003
- Record FY02 earnings and stronger margins, tempered by rising credit costs.BSRRQ4 2002
- Record earnings and stronger asset quality were offset by leverage, rate, and loan-concentration risks.BSRRQ4 2004
- Higher credit losses erased FY08 earnings momentum despite strong deposit growth.BSRRQ4 2007
- Record earnings grew 21%, aided by margin gains and sharply lower problem assets.BSRRQ4 2005
- Record FY06 earnings accompanied rapid loan growth and increased wholesale funding reliance.BSRRQ4 2006
- Credit losses erased Q4 earnings as nonperforming assets surged to $37M.BSRRQ4 2008
Next Sierra Bancorp earnings date
Q4 202625 Jan, 2027
Sierra Bancorp
Next Sierra Bancorp earnings date
Q4 202625 Jan, 2027
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Frequently asked questions
Sierra Bancorp is the holding company for Bank of the Sierra. The company primarily operates as a community-focused bank offering a broad range of financial services. Its offerings include personal and business banking products such as checking and savings accounts, money market accounts, certificates of deposit, and various loan products including mortgage, commercial, and agricultural loans. The bank also provides online and mobile banking services, merchant solutions, and other financial management tools tailored to individual and business needs. Sierra Bancorp serves communities throughout Central and Southern California, emphasizing personalized service and local engagement. The company is headquartered in Porterville, California, and its shares are listed on the NASDAQ.