Sierra Bancorp Financial Ratios — BSRR Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	5.88	4.78	7.52	8.27	9.57	8.87	8.46	14.25	20.17	13.13	12.18	10.11	10.86	11.67	11.72
Return on Assets (%)	0.59	0.59	0.94	1	1.05	0.92	0.89	1.22	1.41	1.22	1.31	0.96	0.95	1.1	1.14
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.13	3.67	3.37	3.23	3.22	3.53	3.84	3.9	3.62	3.37	3.35	2.71	2.74	2.08	1.81
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	12.79	11.81	26.01	32.66	36.27	32.56	36.05	36.86	42.53	38.25	44.91	34.47	39.32	38.8	38.46
Profit Margin (%)	11.93	12.32	21.12	23.23	24.15	21.69	21.23	27.63	32.05	29.14	33.77	25.83	29.49	29.22	28.89
Net Income to Common Margin (%)	11.93	12.32	21.12	23.23	24.15	21.69	21.23	27.63	32.05	29.14	33.77	25.83	29.49	29.22	28.89
Effective Tax Rate (%)	6.76	- -	18.79	28.89	33.43	33.38	41.11	25.03	24.64	23.81	24.8	25.06	25.01	24.7	24.88
Dvd Payout Ratio (%)	43.28	41.36	27.53	31.33	31.34	37.04	40.61	32.88	31.51	34.44	30.76	41.35	39.36	33.61	32.45
Sustainable Growth Rate (%)	3.33	2.8	5.45	5.68	6.57	5.58	5.03	9.57	13.81	8.61	8.43	5.93	6.59	7.74	7.92

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	63	73	31	55	108	99	56	91	55	178	84	304	315	165	388
ST Debt	17	37	- -	18	75	65	22	56	20	143	- -	219	150	- -	223
LT Debt	46	36	31	37	33	34	35	35	35	35	84	85	165	165	166
Total Debt/EBITDA	23.39	29.78	14.51	26.03	44.98	34.81	15.97	21.67	13.53	43.43	19.78	85.89	97.61	57.35	146.49
Net Debt/EBITDA	- -	4.42	-22.09	2.38	24.77	-7.36	-3.86	3.99	-6.19	26.01	-40.54	64.07	73.29	22.41	95.31
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.62	12.09	12.88	11.43	10.59	10.13	10.94	6.36	7.56	10.68	10.75	8.41	9.06	9.89	9.53
Long-Term Debt/Equity (%)	27.25	20.66	17.02	19.74	17.3	16.71	13.51	12.73	11.3	10.21	23.3	27.9	48.79	46.24	45.36
Long-Term Debt/Capital (%)	19.83	14.58	14.55	15.25	11.03	11.27	11.07	9.55	9.59	6.73	18.89	13.95	25.24	31.62	21.98
Long-Term Debt/Total Assets (%)	3.44	2.5	2.19	2.26	1.83	1.69	1.48	1.38	1.35	1.09	2.5	2.35	4.42	4.57	4.32
Total Debt/Equity (%)	37.4	41.74	17.02	29.47	56.86	48.29	22.07	33.28	17.77	51.77	23.3	100.04	93.31	46.24	106.4
Total Debt/Capital (%)	27.22	29.45	14.55	22.76	36.25	32.56	18.08	24.97	15.09	34.11	18.89	50.01	48.27	31.62	51.55
Total Debt/Total Assets (%)	4.72	5.05	2.19	3.37	6.02	4.89	2.41	3.6	2.12	5.53	2.5	8.42	8.46	4.57	10.14
Net Debt to Equity	0.01	6.19	-25.91	2.69	31.32	-10.22	-5.33	6.13	-8.13	31	-47.75	74.63	70.06	18.07	69.22
Net Debt/Capital (%)	0.01	5.83	-34.98	2.62	23.85	-11.38	-5.63	5.78	-8.84	23.66	-91.38	42.74	41.2	15.3	40.91
EBITDA	3	2	2	2	2	3	4	4	4	4	4	4	3	3	3
EBITDA-CapEx	- -	-1	1	- -	- -	-1	1	1	3	1	4	2	2	2	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.62	12.09	12.88	11.43	10.59	10.13	10.94	6.36	7.56	10.68	10.75	8.41	9.06	9.89	9.53
Long-Term Debt/Equity (%)	27.25	20.66	17.02	19.74	17.3	16.71	13.51	12.73	11.3	10.21	23.3	27.9	48.79	46.24	45.36
Long-Term Debt/Capital (%)	19.83	14.58	14.55	15.25	11.03	11.27	11.07	9.55	9.59	6.73	18.89	13.95	25.24	31.62	21.98
Long-Term Debt/Total Assets (%)	3.44	2.5	2.19	2.26	1.83	1.69	1.48	1.38	1.35	1.09	2.5	2.35	4.42	4.57	4.32
Total Debt/Equity (%)	37.4	41.74	17.02	29.47	56.86	48.29	22.07	33.28	17.77	51.77	23.3	100.04	93.31	46.24	106.4
Total Debt/Capital (%)	27.22	29.45	14.55	22.76	36.25	32.56	18.08	24.97	15.09	34.11	18.89	50.01	48.27	31.62	51.55
Total Debt/Total Assets (%)	4.72	5.05	2.19	3.37	6.02	4.89	2.41	3.6	2.12	5.53	2.5	8.42	8.46	4.57	10.14
CFO/Total Liabilities	2.97	3.06	2.78	2.02	1.79	0.85	1.95	1.35	2.05	1.39	1.75	1.02	1.57	1.75	0.97
CFO/CapEx	12.67	11.34	51.12	12.33	11.34	4.34	19	9.75	59.69	13.73	141.93	26.39	37.63	49.44	22
Altman's Z-Score	0.22	0.22	0.27	0.24	0.23	0.25	0.24	0.23	0.26	0.21	0.22	0.19	0.19	0.22	0.22

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	24.31	12.7	12.55	12.1	12.83	13.32	13.11	13.2	13.35	10.01	9.32	8.8	6.11	7.64	9.71
Days Sales Outstanding	15.02	28.75	29.08	30.15	28.44	27.4	27.84	27.64	27.35	36.47	39.14	41.46	59.77	47.78	37.58
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	124	161	229	240	234	366	404	368	445	368	415	322	334	411	434
- Cash & Cash Equivalents	63	62	78	50	49	120	70	74	80	71	258	77	79	101	136
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	113	113	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	63	73	31	55	108	99	56	91	55	178	84	304	315	165	388
Enterprise Value	-282	-208	-243	-266	-214	-185	-168	-64	-68	-69	-732	-386	-449	-180	217
Total Capital	232	246	213	242	299	305	312	364	364	522	447	607	654	523	753
Total Debt/Capital (%)	27.22	29.45	14.55	22.76	36.25	32.56	18.08	24.97	15.09	34.11	18.89	50.01	48.27	31.62	51.55
Total Debt / EV	-0.22	-0.35	-0.13	-0.21	-0.51	-0.54	-0.34	-1.43	-0.81	-2.57	-0.12	-0.79	-0.7	-0.92	1.79
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.48
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	81.89
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.44
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.16
Diluted Market Cap	124	161	230	248	240	363	381	371	450	366	417	318	332	416	444
Diluted Enterprise Value	124	172	183	253	299	342	368	500	538	472	244	545	569	481	697
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.35
TTM Sales	65	66	63	66	75	81	92	107	112	122	127	130	118	139	146
TTM EBITDA	3	2	2	2	2	3	4	4	4	4	4	4	3	3	3
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	35	39	34	29	29	16	41	30	47	40	53	34	53	57	34
TTM Free Cash Flow to Firm	37	42	35	32	31	19	43	34	48	43	53	35	55	58	35

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	3.32	3.83	6.61	7.83	7.68	18.94	8.91	11.05	9.46	8.51	7.86	9.14	6.08	7.14	12.61
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-282	-208	-243	-266	-214	-185	-168	-64	-68	-69	-732	-386	-449	-180	217
Low Price	8.47	8.42	11.45	14.66	15.16	15.61	23.1	22.94	22.68	13.05	21.48	19.62	15.01	17.69	22.42
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.48
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	81.89
Price/Earnings	15.88	19.7	17.04	16.13	13.15	20.48	19.26	12.36	12.4	10.27	9.62	9.44	9.52	10.19	10.42
Price/Earnings Average	19.07	17.59	15.6	14.92	12.53	14.28	19.03	14.38	11.16	8.76	9.07	10.2	7.98	8.64	9.34
Price/Earnings High	21.16	22.4	21.06	16.54	14.25	20.83	21.4	16.04	12.84	12.61	10.43	12.85	9.8	12.37	11.07
Price/Earnings Low	15.28	14.51	12.12	13.47	11.29	12.02	16.76	11.8	9.66	5.6	7.61	8.72	6.34	6.23	7.15
Price/Book Value	0.74	0.93	1.26	1.28	1.23	1.78	1.58	2.29	2.27	1.07	1.14	1.06	0.99	1.15	1.19
Price/Book Value Average	0.88	0.83	1.15	1.19	1.17	1.24	1.56	2.67	2.04	0.91	1.08	1.15	0.83	0.98	1.07
Price/Book Value High	0.98	1.05	1.56	1.32	1.33	1.81	1.75	2.97	2.35	1.31	1.24	1.45	1.02	1.4	1.26
Price/Book Value Low	0.71	0.68	0.9	1.07	1.06	1.04	1.37	2.19	1.77	0.58	0.9	0.98	0.66	0.7	0.82
Price/Tangible Book Value	0.76	0.96	1.3	1.34	1.28	1.88	1.82	2.9	2.72	1.18	1.25	1.18	1.08	1.25	1.29
Price/Tangible Book Value Average	0.91	0.86	1.19	1.24	1.22	1.31	1.8	3.38	2.45	1.01	1.18	1.27	0.9	1.06	1.15
Price/Tangible Book Value High	1.01	1.09	1.61	1.38	1.39	1.91	2.02	3.77	2.82	1.45	1.35	1.6	1.11	1.52	1.37
Price/Tangible Book Value Low	0.73	0.71	0.92	1.12	1.1	1.1	1.58	2.77	2.12	0.64	0.99	1.09	0.72	0.76	0.88
Price/Sales	1.89	2.43	3.6	3.75	3.18	4.44	4.09	3.41	3.97	2.99	3.25	2.44	2.81	2.98	3.01
Price/Sales Average	2.27	2.17	3.3	3.46	3.03	3.1	4.04	3.97	3.58	2.55	3.06	2.63	2.35	2.52	2.7
Price/Sales High	2.52	2.76	4.45	3.84	3.44	4.52	4.54	4.43	4.11	3.67	3.52	3.32	2.89	3.61	3.2
Price/Sales Low	1.82	1.79	2.56	3.13	2.73	2.61	3.56	3.26	3.09	1.63	2.57	2.25	1.87	1.82	2.07
Price/Cash Flow	3.57	4.17	6.68	8.38	8.28	23.09	9.25	12.05	9.54	9.09	7.86	9.46	6.23	7.23	13.09
Price/Cash Flow Average	4.28	3.72	6.12	7.75	7.89	16.1	9.14	14.02	8.59	7.75	7.41	10.22	5.22	6.13	11.73
Price/Cash Flow High	4.75	4.74	8.26	8.59	8.97	23.48	10.28	15.63	9.88	11.17	8.52	12.88	6.41	8.78	13.9
Price/Cash Flow Low	3.43	3.07	4.75	7	7.11	13.56	8.05	11.5	7.43	4.96	6.22	8.74	4.15	4.42	8.98
Price/Free Cash Flow Average	3.98	3.42	6.06	7.24	7.32	13.2	8.8	12.85	8.51	7.26	7.41	9.87	5.1	6.06	11.3
Price/Free Cash Flow High	4.42	4.36	8.18	8.02	8.32	19.26	9.89	14.34	9.79	10.45	8.52	12.44	6.26	8.67	13.39
Price/Free Cash Flow Low	3.19	2.82	4.71	6.53	6.6	11.12	7.75	10.55	7.37	4.64	6.22	8.44	4.05	4.37	8.65
EV/Sales Average	2.28	2.33	2.57	3.46	3.78	2.89	4.19	5.19	4.35	3.46	1.71	4.41	4.37	2.98	4.38
EV/Sales High	2.54	2.92	3.72	3.83	4.19	4.34	4.73	5.65	4.89	4.59	2.17	5.11	4.91	4.06	4.87
EV/Sales Low	1.83	1.95	1.83	3.14	3.48	2.4	3.67	4.47	3.87	2.53	1.22	4.02	3.88	2.28	3.76
EV/EBITDA Average	55.31	63.52	76.23	107.32	117.44	82.06	109.02	132.82	120.29	102.57	50.96	162.53	159.87	143.53	242.07
EV/EBITDA High	61.38	79.67	110.61	118.71	130.16	123.07	123.08	144.6	135.12	136.27	64.69	188.15	179.53	195.84	269.17
EV/EBITDA Low	44.32	53.16	54.3	97.13	108.29	67.93	95.54	114.51	107.02	75	36.29	148.25	141.99	109.74	207.61
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	8.8	11.43	16.09	17.56	17.65	26.59	26.56	24.03	29.12	23.92	27.15	21.24	22.55	28.92	32.68
High Price	11.73	13	19.89	18	19.13	27.04	29.5	31.19	30.15	29.37	29.42	28.92	23.21	35.13	34.71
Enterprise Value Average	149	155	162	227	283	234	386	557	489	420	218	575	517	414	641
Enterprise Value High	165	194	236	251	313	351	435	606	549	559	276	665	580	564	713
Enterprise Value Low	119	130	116	206	261	194	338	480	435	307	155	524	459	316	550

Shares Outstanding	14	14	14	14	13	14	15	15	15	15	15	15	15	14	13
Diluted Weighted Avg Shares	14	14	14	14	14	14	14	15	15	15	15	15	15	14	14
Basic Weighted Avg Shares	14	14	14	14	13	14	14	15	15	15	15	15	15	14	13
Revenue per Share	4.65	4.71	4.47	4.69	5.56	5.99	6.49	7.04	7.33	7.99	8.36	8.71	8.03	9.72	10.85
EBITDA per Share	0.19	0.17	0.15	0.15	0.18	0.21	0.25	0.27	0.27	0.27	0.28	0.24	0.22	0.2	0.2
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.55	0.58	0.94	1.09	1.34	1.3	1.38	1.94	2.35	2.33	2.82	2.25	2.37	2.84	3.14
Basic EPS from Cont Ops	0.55	0.58	0.94	1.09	1.34	1.3	1.38	1.94	2.35	2.33	2.82	2.25	2.37	2.84	3.14
Diluted EPS, GAAP	0.55	0.58	0.94	1.08	1.33	1.29	1.36	1.92	2.33	2.32	2.8	2.25	2.36	2.82	3.11
Diluted EPS from Cont Ops	0.55	0.58	0.94	1.08	1.33	1.29	1.36	1.92	2.33	2.32	2.8	2.25	2.36	2.82	3.11
Dividend per Share	0.24	0.24	0.26	0.34	0.42	0.48	0.56	0.64	0.74	0.8	0.87	0.93	0.93	0.95	1.02
Cash Flow per Share	2.47	2.74	2.41	2.1	2.13	1.15	2.87	1.99	3.05	2.63	3.45	2.24	3.62	4	2.5
Free Cash Flow per Basic Share	2.27	2.5	2.36	1.93	1.94	0.89	2.72	1.79	3	2.44	3.43	2.16	3.52	3.92	2.38
Cash & Equivalents per Share	33.29	31.33	35.38	41.05	41.96	47.22	41.28	41.48	44.55	39.99	80.61	66.71	74.21	53.2	45.58
Book Value per Share	11.95	12.33	12.78	13.67	14.36	14.94	16.81	10.49	12.83	22.35	23.74	20.01	22.85	25.12	27.49
Tangible Book Value per Share	11.56	11.93	12.39	13.08	13.77	14.14	14.61	8.28	10.69	20.29	21.73	18.06	20.91	23.15	25.42

Sierra Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)