Sierra Bancorp cash flow to debt ratio of 6.49% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Sierra Bancorp's free cash flow has decreased -42.55% from $56.00M last year to $32.17M, signaling decreasing performance

Sierra Bancorp's debt to equity ratio is 1.10, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy

Sierra Bancorp's debt has increased relative to shareholder equity from 0.77 last year to 1.10 today, signaling weakened financials

Sierra Bancorp has a net debt to EBITDA ratio of 6.49x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Sierra Bancorp earns at least as much interest as it pays. Interest obligations are fully covered.

Sierra Bancorp's profit margin has increased (8.60%) in the last year from 21.22% to 23.04%, signaling increasing performance

Sierra Bancorp's short-term liabilities of $3.23G exceed its short-term assets of $619.16M, signaling financial risk

Sierra Bancorp's return on assets of 1.22% is lower than the 5.00% threshold, indicating inefficient asset utilization

Sierra Bancorp's return on equity of 12.67%, is lower than 15.00%, indicating bad performance

Sierra Bancorp's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Sierra Bancorp had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings

Sierra Bancorp has positive free cash flow, indicating the company generates cash after capital expenditures

Sierra Bancorp has a free cash flow yield of 5.99%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Sierra Bancorp's yearly earnings has increased 4.36% since last year from $40.56M to $42.33M, signaling increasing performance

Sierra Bancorp's yearly revenue has decreased -100.00% since last year from $191.14M to $0.00, signaling decreasing performance

ROIC 5.52% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

Sierra Bancorp's 3-year revenue CAGR of 12.33% is positive, indicating growing revenue over the past 3 years

Sierra Bancorp had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance

Sierra Bancorp had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity

Sierra Bancorp has insufficient data to evaluate this check.

Sierra Bancorp has an earnings yield of 8.58%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Sierra Bancorp is overvalued relative to its fair value price of 0.86 based on EBITDA multiple model

Sierra Bancorp has an EV/EBITDA ratio of 12.30x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Sierra Bancorp is undervalued relative to its fair value price of 77.10 based on Earnings Fair Value model

Sierra Bancorp has a PEG-ratio under 1 which is considered undervalued

Sierra Bancorp has a price-to-book ratio of 1.47x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Sierra Bancorp has a price-to-sales ratio of 2.71x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue