Sierra Bancorp vs Five Star Bancorp
BSRR and FSBC side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How BSRR and FSBC compare
Five Star Bancorp is the larger company, worth 2.0 times as much as Sierra Bancorp ($1.1B against $543M).
On earnings, Sierra Bancorp is cheaper: it trades at 10.8× trailing earnings, against 13.3× for Five Star Bancorp.
Five Star Bancorp grew revenue faster over the last twelve months (26.5% versus 2.8% for Sierra Bancorp).
Sierra Bancorp keeps more of each dollar of sales as profit, with a net margin of 40.8% compared with 40.5% at Five Star Bancorp.
Both pay dividends: Sierra Bancorp yields 2.5% and Five Star Bancorp 2.1%.
Sierra Bancorp scores higher on the StockData Score (16 against 14 for Five Star Bancorp), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | BSRR | FSBC |
|---|---|---|
| Size and price | ||
| Market cap | $543M | $1.1B |
| Share price | $41.90 | $44.92 |
| Change, 1 year | 43.1% | 24.2% |
| Change, 5 years | 59.1% | 64.8% |
| Beta (5Y) | 0.67 | 0.81 |
| Employees | 55 | 233 |
| StockData Score | ||
| Total score | 16 (better) | 14 |
| Valuation score | 1 (better) | 0 |
| Growth score | 2 | 3 (better) |
| Performance score | 5 | 5 |
| Health score | 4 (better) | 3 |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 10.8× (better) | 13.3× |
| P/S | 4.4× (better) | 6.2× |
| P/B | 1.5× (better) | 2.3× |
| P/FCF | 10.7× (better) | 13.7× |
| PEG | 0.93 (better) | 3.72 |
| FCF yield | 9.3% (better) | 7.3% |
| Fair value | $37.65 | $34.37 |
| Margin of safety | −11.3% (better) | −30.7% |
| Growth | ||
| Revenue growth (TTM) | 2.8% | 26.5% (better) |
| Revenue growth, 5Y average | 3.5% | 16.3% (better) |
| Net income growth (TTM) | 27.2% | 38.8% (better) |
| EPS growth (TTM) | 35.2% | 38.0% (better) |
| EPS growth, 5Y average | 6.0% (better) | −4.1% |
| Profitability | ||
| Net margin | 40.8% (better) | 40.5% |
| FCF margin | 40.9% | 45.3% (better) |
| Return on equity | 14.0% | 16.2% (better) |
| Financial health | ||
| Altman Z-score | 0.24 (better) | 0.21 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 2.5% (better) | 2.1% |
| Payout ratio | 27.1% | 26.7% |
| Years of dividend growth | 2 (better) | 0 |
| Dividend growth, 5Y average | 4.6% (better) | −21.2% |
| Buyback yield | 4.1% | – |
| Shareholder yield | 6.6% (better) | 2.1% |
| Ownership | ||
| Held by institutions | 60.0% | 52.9% |
| Held by insiders | 7.0% | 18.1% |
| Insider net buying, 12 months | −$2.3M | $5.4M (better) |
| Short interest, % of float | 3.3% | 6.4% |
Go deeper
- BSRR stock overview
- BSRR income statement
- BSRR valuation and score
- FSBC stock overview
- FSBC income statement
- FSBC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.