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Sierra Bancorp (BSRR) — RQD Stock Rating Cockpit

$42.43 +0.21% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Sierra Bancorp (BSRR) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $550.2M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C- · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+3.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BSRR)Realized 20D OHLCV Swing Band: ±6%

RSI-14 MOMENTUMBULLISH MOMENTUM

60.830 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE90% OF RANGE

L: $28$42.43H: $44

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 10 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 26 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on BSRR

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (50)

11.6% ROIC with 42.0% gross margin and 5.85% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (70)

26/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like BSRR

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (BSRR Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

BSRR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +17.60%📐 HORIZONTAL RANGE

2026-10-30O $42.42H $42.84L $41.80C $42.43VOL 69.4K

RES: $44.15SUP: $37.77SMA50: $40.15SMA200: $38.25

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BSRR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BSRR Butterfly Map → + Track BSRR →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

4.2%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on BSRR today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BSRR. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for BSRR today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BSRR)

Financials Rank #328 of 1096 ⚔️ BWFG vs BSRR Full Matrix →

1. Head-to-Head Financials Peer Comparison (BSRR vs. BWFG, NPB, BSVN, BWB)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Sierra Bancorp (BSRR) ranks #328 by composite RQD confidence (65/100, grade C) and #683 by equity capitalization ($550.2M). Within this direct 5-issuer industry benchmark cohort, NPB leads on earnings valuation at 6.7x trailing P/E, while BSVN leads on capital efficiency and profitability with 17.2% ROIC and — gross margin. BSVN currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with BSRR at 65/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
BSRR ACTIVE Sierra Bancorp	C	65/100	13.0x	—	11.6%	+0.21%	$550.2M	Benchmark Subject
BWFG Bankwell Financial Group Inc.	C+	67/100	15.8x	—	11.7%	+4.13%	$555.2M	/bwfg-vs-bsrr →
NPB Northpointe Bancshares Inc.	C	63/100	6.7x	—	14.7%	-0.06%	$559.5M	/npb-vs-bsrr →
BSVN Bank7 Corp.	B-	70/100	13.1x	—	17.2%	+0.46%	$564.9M	/bsvn-vs-bsrr →
BWB Bridgewater Bancshares Inc.	D+	53/100	12.3x	—	8.9%	-0.24%	$567.2M	/bwb-vs-bsrr →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001130144

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Sierra Bancorp (BSRR) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $42.3M, operating cash flow of $33.7M, and free cash flow of $32.2M (-42.5% YoY). On the balance sheet, BSRR closed FY2025 with $3.83B in total assets against $49.5M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$42.3M	$33.7M	$32.2M	$3.83B	$49.5M
FY2024 (FY)	2024-12-31	$0	$40.6M	$57.2M	$56.0M	$3.61B	$49.4M
FY2023 (FY)	2023-12-31	$0	$34.8M	$53.2M	$53.2M	—	—

3. BSRR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BSRR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Sierra Bancorp (NASDAQ: BSRR) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $42.43 (+0.21% 1D, market cap $550.2M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, BSRR ranks #328 in composite RQD confidence.

How does BSRR compare to BWFG and NPB in the Financials sector?

Within the Financials sector (Major Banks), BSRR carries a Roarable C (65/100 RQD), trailing P/E of 13.0x, gross margin of —, and ROIC of 11.6%. By comparison, BWFG (Bankwell Financial Group Inc.) holds a C+ grade (67/100 RQD, P/E 15.8x, ROIC 11.7%, cap $555.2M) and NPB (Northpointe Bancshares Inc.) posts a C grade (63/100 RQD, P/E 6.7x, ROIC 14.7%, cap $559.5M). Among the 5-stock peer group, NPB leads on earnings multiple (6.7x) while BSVN leads on capital efficiency (17.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BSRR?

Per BSRR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001130144), Sierra Bancorp generated $0 in revenue, $42.3M in net income, and $32.2M in free cash flow against $3.83B in total assets and $49.5M in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BSRR trading relative to its 50-day, 200-day, and 52-week technical levels?

BSRR last traded at $42.43 (+0.21% on volume of 126,302 shares), positioning the stock +5.68% above its 50-day simple moving average ($40.15) and +10.93% above its 200-day simple moving average ($38.25). Across its 52-week range of $27.93 to $44.00, BSRR sits at the 90.2% percentile with a 14-day RSI of 60.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.0% ($39.88 to $44.98).

BSRR Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell BSRR stock right now?

Sierra Bancorp (BSRR) currently earns a Roarable Rating of C (Hold — HOLD) with 65/100 RQD Confidence. Solid steady margins (12% return on capital), mixed timing at 13x P/E—hold if owned, no rush to chase.

What is BSRR's 12-month price target and RQD AI Jury consensus?

BSRR's 12-month base price target is $43.77 (range $34.14 to $51.65), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: BSRR RQD Cockpit BSRR 12M Forecast BSRR Earnings & Move BSRR Dividends & DRIP BSRR Insiders & 13F BSRR Whale Options BSRR Profit Sankey BSRR News & Why