Sierra Bancorp vs Esquire Financial Holdings
Sierra Bancorp and Esquire Financial Holdings are similar in size: $155m and $147m of revenue in their latest fiscal years. Esquire Financial Holdings grew faster (17.4% against 2.5%). Esquire Financial Holdings kept more of each dollar of sales as profit: a net margin of 34.7% against 27.3%.
| Latest fiscal year | Sierra BancorpBSRR, 2025 | Esquire Financial HoldingsESQ, 2025 |
|---|---|---|
| Revenue | $155m | $147m |
| Revenue growth | 2.5% | 17.4% |
| Net income | $42.3m | $50.8m |
| Operating margin | — | — |
| Net margin | 27.3% | 34.7% |
| Return on equity | 11.7% | 19.3% |
| Free cash flow | $32.2m | $56.7m |
| Cash | $136m | $236m |
| Total debt | $403m | $0 |
| Debt to equity | — | — |
| Dividend per share | $1.00 | $0.70 |
| Dividend yield | 2.5% | 0.6% |
| Share buybacks | $31.8m | — |
| Employees | — | — |
| Market value | $547m | $1.07bn |
| Price vs our value range | — | — |
| Moat score | 80 (Strong) | 76 (Strong) |
| Insider trades, 12 months | 1 buys, 23 sales | 0 buys, 18 sales |