Sierra Bancorp vs FS Bancorp
Sierra Bancorp and FS Bancorp are similar in size: $155m and $153m of revenue in their latest fiscal years. FS Bancorp grew faster (5.5% against 2.5%). Sierra Bancorp kept more of each dollar of sales as profit: a net margin of 27.3% against 21.8%.
| Latest fiscal year | Sierra BancorpBSRR, 2025 | FS BancorpFSBW, 2025 |
|---|---|---|
| Revenue | $155m | $153m |
| Revenue growth | 2.5% | 5.5% |
| Net income | $42.3m | $33.3m |
| Operating margin | — | — |
| Net margin | 27.3% | 21.8% |
| Return on equity | 11.7% | 11.1% |
| Free cash flow | $32.2m | $51.9m |
| Cash | $136m | $28.2m |
| Total debt | $403m | $129m |
| Debt to equity | — | — |
| Dividend per share | $1.00 | $1.34 |
| Dividend yield | 2.5% | 3.1% |
| Share buybacks | $31.8m | $15.4m |
| Employees | — | — |
| Market value | $547m | $325m |
| Price vs our value range | — | — |
| Moat score | 80 (Strong) | 87 (Strong) |
| Insider trades, 12 months | 1 buys, 23 sales | 0 buys, 11 sales |