All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
4 warning events since 2017; the latest 2025-03-21.
From the record
Sierra Bancorp's filings since 2017 show 4 warning events of 2 kinds: an auditor change (8-K item 4.01, 3 times, the latest 2025-03-21); a late-report notice (Form NT 10-K or NT 10-Q, the latest 2024-03-15) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+10.7% a year over 10 filed years; profitable in 10 of 10.
From the record
Sierra Bancorp's 10 filed years say what it did: revenue went from $69 million in fiscal 2016 to $171 million in fiscal 2025, up 10.7% a year; it rose in 7 of 9 years; the deepest fall was 1% from fiscal 2019 to fiscal 2020; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 3.3% a year. 68% of cash flow returned. Insiders: 26 sales, 1 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Sierra Bancorp's diluted share count shrank about 3.3% a year, and dividends and buybacks returned about 68% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 26 sales and 1 purchase of their own stock on the open market in the year to 2026-11-09, buying about $12 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 12%: 12¢ of profit per shareholder dollar. Leverage 90%: owes 90¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Sierra Bancorp earned about 12 cents of profit for every dollar of shareholders' money. Leverage: it owed about 90 cents per dollar of assets, and net share issuance: its share count shrank 5.6% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 40% of 155 in its family; net margin 24.7%.
From the record
Sierra Bancorp's standing among 155 graded names in its industry family: revenue of $171 million in fiscal 2025 ranks in the bottom 32% by size; a net margin of 24.7% ranks in the top 35%; revenue growth of 12% a year over the last 3 filed years ranks in the bottom 21% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 42% of 150 in its family for leadership; chief executive since 2015.
From the record
Sierra Bancorp's leadership, from its insiders' filings and its current reports: the chief executive on the record is Mcphaill, Kevin J (President/CEO, as filed), filing under that title since 2015-04-15, 11.6 years (top 28% of its family); the 18 officers and directors filing in the last fifteen months have been on the record a median of 6.8 years (bottom 42%); 5 officer or director changes were reported on Form 8-K since 2023-11-13, against the 18 people in charge now (top 41%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 34% of 142 in its family for room to expand.
From the record
Sierra Bancorp's room to grow, from the newest filed statements (fiscal 2025): cash of $136 million against debt of $49 million leaves 2.2% of its assets as net cash, bottom 40% of its family; cash from operations less capital spending is 18.8% of revenue (bottom 27%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 35% of 152 in its family for growth drivers.
From the record
Sierra Bancorp's growth drivers, from the filed years to fiscal 2025: revenue grew 12% a year over the last three filed years against 10.7% over all 10, speeding up (bottom 34% of its family); the newest year grew -0.6% (bottom 21%); capital spending grew 6.4% a year (top 48%) (its annual reports). Sierra Bancorp tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 39% of 150 in its family for expectations against reality.
From the record
Sierra Bancorp's newest year against its own record: revenue of $171 million in fiscal 2025 came in 16.4% below the $205 million its prior three years' pace pointed to (bottom 47% of its family); net income of $42 million against a prior three-year average of $36 million (top 44%); a net margin of 24.7% against 24.2% before (top 20%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made