Stock Ratings / Financials / BSRR / insiders

BWFG (67) NPB (63) BSVN (70) BWB (53) ⌘ Pro Terminal →

Sierra Bancorp (BSRR) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$42.43 +0.21% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $42.37

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.

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY) →

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

EXT / AFTER-HRS: $42.37 (-0.15%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 0.8% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY • 55.6% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

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%

Deterministic 5-Pillar Attribution (65/100 Composite)

🔍 WHY BSRR SCORES 65/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (25% of score)

FRED Regime × Technicals: 90% of 52W Range • RSI-14 at 60.8 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning10/20 pts (-10 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$38.91+1.7% Next Q

Q2 (-2Q)

Grade C$39.59+5.4% Next Q

Q3 (-1Q)

Grade C+$41.74+1.7% Next Q

Current

Grade C$42.43+1.3% Hist 90D α

Trajectory: C (57) → C (65)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the BSRR Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 65/100 (C) score, BSRR faces multiple-compression risk if 13.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

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

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($40.15) or 200D SMA ($38.25) invalidates the momentum regime and cuts Target Base ($43.77) toward Bear Floor ($34.14).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BSRR• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “BSRR Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 65%NO 35%Trade / Inspect Odds →

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

BSRR Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (BSRR)

No recent open-market Form 4 cluster sales or emergency dumps flagged on BSRR. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

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

Are BSRR insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies BSRR leadership and institutional positioning as: HEAVY INSIDER & 13F ACCUMULATION.

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