What Is Sierra Bancorp (BSRR) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Sierra Bancorp's intrinsic value is estimated at a composite fair value of $63.10. While the stock appears modestly undervalued at $41.08 (implied upside of +53.6%), our analysis suggests a thinner margin of safety across 7 of 11 bullish models. Notably, ML-RIV sees the most upside at +198.7% (fair value: $122.72), while EPV is the most conservative at -50.8% ($20.22). The spread between these extremes — +249.5% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About BSRR?
11 of 13 models are currently active for BSRR. Of these, 8 models suggest upside while 3 models suggest overvaluation. The Bayesian DCF estimates BSRR's intrinsic value at $88.30, implying +114.9% upside from the current price. See which stocks rank higher →
How Does BSRR Rank in State Commercial Banks?
Among 172 State Commercial Banks stocks, BSRR ranks #99 by Quality of Company score. CirclFi's QOC score of 8.1/10 evaluates 32 fundamental signals. A score of 8.1 places BSRR in the top tier.
See all Most Undervalued State Commercial Banks Stocks →
Within the State Commercial Banks space, Sierra Bancorp competes in an environment where deposit growth often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.
Is BSRR a Value Trap?
CirclFi's Value Trap algorithm assigns BSRR a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
11 of 13 models are active for Sierra Bancorp. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Sierra Bancorp is rated at 8.1/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.
The gap between the most bullish and bearish model spans +249.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every BSRR valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across BSRR's 11 active models, average confidence is 43%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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