Sierra Bancorp (BSRR)
Market Price (5/7/2026): $36.85 | Market Cap: $478.6 MilSector: Financials | Industry: Regional Banks
Sierra Bancorp (BSRR)
Market Price (5/7/2026): $36.85Market Cap: $478.6 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 2.9%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.2% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -72% Low stock price volatilityVol 12M is 29% | Trading close to highsDist 52W High is -2.4%, Dist 3Y High is -2.4% | Expensive valuation multiplesP/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 115x Key risksBSRR key risks include [1] its heavy credit concentration in agricultural loans, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 2.9%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.2% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -72% |
| Low stock price volatilityVol 12M is 29% |
| Trading close to highsDist 52W High is -2.4%, Dist 3Y High is -2.4% |
| Expensive valuation multiplesP/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 115x |
| Key risksBSRR key risks include [1] its heavy credit concentration in agricultural loans, Show more. |
Qualitative Assessment
AI Analysis | Feedback
1. Sierra Bancorp reported strong first-quarter 2026 earnings, significantly surpassing analyst expectations. The company announced diluted earnings per share (EPS) of $0.96, beating the consensus estimate of $0.82 by 17.07%. Net income for the quarter increased by $3.4 million, or 38%, to $12.5 million compared to the first quarter of 2025.
2. The company increased its quarterly cash dividend, signaling financial strength and commitment to shareholder returns. On January 30, 2026, Sierra Bancorp declared a 4% increase in its regular quarterly cash dividend to $0.26 per share, which was paid on February 17, 2026. A subsequent dividend of $0.26 per share was also declared on April 24, 2026.
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Stock Movement Drivers
Fundamental Drivers
The 5.5% change in BSRR stock from 1/31/2026 to 5/6/2026 was primarily driven by a 9.4% change in the company's Net Income Margin (%).| (LTM values as of) | 1312026 | 5062026 | Change |
|---|---|---|---|
| Stock Price ($) | 34.92 | 36.85 | 5.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 141 | 148 | 5.1% |
| Net Income Margin (%) | 28.2% | 30.8% | 9.4% |
| P/E Multiple | 11.7 | 10.5 | -10.7% |
| Shares Outstanding (Mil) | 13 | 13 | 2.9% |
| Cumulative Contribution | 5.5% |
Market Drivers
1/31/2026 to 5/6/2026| Return | Correlation | |
|---|---|---|
| BSRR | 5.5% | |
| Market (SPY) | 3.6% | 37.8% |
| Sector (XLF) | -2.5% | 49.8% |
Fundamental Drivers
The 31.0% change in BSRR stock from 10/31/2025 to 5/6/2026 was primarily driven by a 10.8% change in the company's P/E Multiple.| (LTM values as of) | 10312025 | 5062026 | Change |
|---|---|---|---|
| Stock Price ($) | 28.13 | 36.85 | 31.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 141 | 148 | 5.1% |
| Net Income Margin (%) | 28.2% | 30.8% | 9.4% |
| P/E Multiple | 9.4 | 10.5 | 10.8% |
| Shares Outstanding (Mil) | 13 | 13 | 2.9% |
| Cumulative Contribution | 31.0% |
Market Drivers
10/31/2025 to 5/6/2026| Return | Correlation | |
|---|---|---|
| BSRR | 31.0% | |
| Market (SPY) | 5.5% | 29.9% |
| Sector (XLF) | -0.2% | 48.7% |
Fundamental Drivers
The 45.1% change in BSRR stock from 4/30/2025 to 5/6/2026 was primarily driven by a 18.1% change in the company's P/E Multiple.| (LTM values as of) | 4302025 | 5062026 | Change |
|---|---|---|---|
| Stock Price ($) | 25.40 | 36.85 | 45.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 139 | 148 | 6.9% |
| Net Income Margin (%) | 29.2% | 30.8% | 5.5% |
| P/E Multiple | 8.9 | 10.5 | 18.1% |
| Shares Outstanding (Mil) | 14 | 13 | 8.9% |
| Cumulative Contribution | 45.1% |
Market Drivers
4/30/2025 to 5/6/2026| Return | Correlation | |
|---|---|---|
| BSRR | 45.1% | |
| Market (SPY) | 30.4% | 45.4% |
| Sector (XLF) | 8.0% | 55.7% |
Fundamental Drivers
The 151.3% change in BSRR stock from 4/30/2023 to 5/6/2026 was primarily driven by a 61.0% change in the company's P/E Multiple.| (LTM values as of) | 4302023 | 5062026 | Change |
|---|---|---|---|
| Stock Price ($) | 14.66 | 36.85 | 151.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 130 | 148 | 14.0% |
| Net Income Margin (%) | 25.9% | 30.8% | 19.2% |
| P/E Multiple | 6.5 | 10.5 | 61.0% |
| Shares Outstanding (Mil) | 15 | 13 | 14.9% |
| Cumulative Contribution | 151.3% |
Market Drivers
4/30/2023 to 5/6/2026| Return | Correlation | |
|---|---|---|
| BSRR | 151.3% | |
| Market (SPY) | 78.7% | 39.3% |
| Sector (XLF) | 64.0% | 56.4% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| BSRR Return | 18% | -19% | 11% | 33% | 17% | 14% | 89% |
| Peers Return | 24% | 6% | -6% | 8% | 6% | 10% | 56% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 6% | 93% |
Monthly Win Rates [3] | |||||||
| BSRR Win Rate | 67% | 33% | 42% | 50% | 58% | 80% | |
| Peers Win Rate | 60% | 47% | 42% | 55% | 48% | 80% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 60% | |
Max Drawdowns [4] | |||||||
| BSRR Max Drawdown | -9% | -25% | -26% | -21% | -15% | -1% | |
| Peers Max Drawdown | -1% | -11% | -41% | -19% | -20% | -3% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: CVBF, TCBK, WABC, BANC, CATY.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 5/6/2026 (YTD)
How Low Can It Go
| Event | BSRR | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -22.2% | -18.8% |
| % Gain to Breakeven | 28.6% | 23.1% |
| Time to Breakeven | 82 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -12.7% | -9.5% |
| % Gain to Breakeven | 14.5% | 10.5% |
| Time to Breakeven | 40 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -25.2% | -6.7% |
| % Gain to Breakeven | 33.6% | 7.1% |
| Time to Breakeven | 71 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -25.3% | -24.5% |
| % Gain to Breakeven | 33.9% | 32.4% |
| Time to Breakeven | 651 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -51.5% | -33.7% |
| % Gain to Breakeven | 106.1% | 50.9% |
| Time to Breakeven | 352 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -19.1% | -19.2% |
| % Gain to Breakeven | 23.7% | 23.7% |
| Time to Breakeven | 310 days | 105 days |
In The Past
Sierra Bancorp's stock fell -22.2% during the 2025 US Tariff Shock. Such a loss loss requires a 28.6% gain to breakeven.
Preserve Wealth
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Asset Allocation
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| Event | BSRR | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -22.2% | -18.8% |
| % Gain to Breakeven | 28.6% | 23.1% |
| Time to Breakeven | 82 days | 79 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -25.2% | -6.7% |
| % Gain to Breakeven | 33.6% | 7.1% |
| Time to Breakeven | 71 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -25.3% | -24.5% |
| % Gain to Breakeven | 33.9% | 32.4% |
| Time to Breakeven | 651 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -51.5% | -33.7% |
| % Gain to Breakeven | 106.1% | 50.9% |
| Time to Breakeven | 352 days | 140 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -25.2% | -17.9% |
| % Gain to Breakeven | 33.6% | 21.8% |
| Time to Breakeven | 350 days | 123 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -76.3% | -53.4% |
| % Gain to Breakeven | 322.4% | 114.4% |
| Time to Breakeven | 2821 days | 1085 days |
In The Past
Sierra Bancorp's stock fell -22.2% during the 2025 US Tariff Shock. Such a loss loss requires a 28.6% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Sierra Bancorp (BSRR)
AI Analysis | Feedback
Here are 1-3 brief analogies for Sierra Bancorp (BSRR):
- Like a regional version of Wells Fargo for California.
- A community-focused Bank of America operating in specific parts of California.
AI Analysis | Feedback
- Deposit Accounts: The bank offers various accounts such as checking, savings, money market, and time deposits for individuals and businesses to securely store and manage their funds.
- Loan Services: The company provides a range of loan products, including agricultural, commercial, consumer, real estate, construction, and mortgage loans, to meet the financing needs of its customers.
- Digital and Convenience Banking Services: Sierra Bancorp offers modern banking conveniences like automated teller machines, online and telephone banking, electronic point-of-sale payment options, and specialized business services such as remote deposit capture and automated payroll.
AI Analysis | Feedback
```htmlSierra Bancorp (BSRR) primarily serves individuals and businesses in California with banking and financial services. Its customer base can be categorized as follows:
- Individuals: These customers utilize the bank for retail banking services such as checking accounts, savings accounts, money market accounts, time deposits, retirement accounts, consumer loans, and mortgage loans. They also leverage services like ATMs, online banking, and automated telephone banking.
- Businesses: This category includes various commercial enterprises (excluding agricultural) that use the bank for commercial loans, real estate loans, construction loans, business checking/savings accounts, remote deposit capture, and automated payroll services. These are typically small to medium-sized businesses operating within California.
- Agricultural Businesses/Entities: Given the explicit mention of "agricultural loans" and an "agricultural credit center," a significant segment of BSRR's customer base consists of businesses and entities operating in the agricultural sector, particularly in California's Central Valley where the bank has a strong presence.
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Fiserv, Inc. (FISV)
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Kevin J. McPhaill, President and Chief Executive Officer
Kevin J. McPhaill has served as the President and Chief Executive Officer of Sierra Bancorp and Bank of the Sierra since April 1, 2015, and as a Director since January 1, 2015. He grew up in Tulare County, California, and holds an undergraduate degree from Fresno Pacific University, an MBA with a Finance concentration from Fresno State University, and a diploma from the Graduate School of Banking at Southern Methodist University. McPhaill has over two decades of experience in the banking industry, including 14 years with Bank of the Sierra prior to becoming CEO. His previous roles include President and Chief Operating Officer at Bank of the Sierra, Branch Manager at Kings River State Bank (1995-2000), and Loan Officer at Visalia Community Bank (1990-1995). He succeeded James C. Holly, the founding CEO, in 2015.
Christopher G. Treece, Executive Vice President and Chief Financial Officer
Christopher G. Treece is the Executive Vice President and Chief Financial Officer of Sierra Bancorp and Bank of the Sierra, and also serves as the Principal Accounting Officer. He holds a Bachelor's degree in Accounting and a Masters of Accountancy from Truman State University. Prior to his current role, Treece served as Chief Financial Officer at Guaranty Bank and Trust, a position he was promoted to in July 2011, having been Corporate Controller there since 2007, and also served as a director of Guaranty Bank since 2009.
Michael W. Olague, Executive Vice President and Chief Banking Officer
Michael W. Olague is the Executive Vice President and Chief Banking Officer for Sierra Bancorp. He brings over 37 years of banking experience to his role. Before becoming Chief Banking Officer, he was the Senior Vice President and Area Manager for Bank of the Sierra's Bakersfield and Delano markets. His career also includes roles as SVP Regional Manager at Bank of America Corp and Regional President at Rabobank. Olague is a graduate of California State University Bakersfield and completed Graduate Banking School at the University of Virginia.
Hugh F. Boyle, Executive Vice President and Chief Credit Officer
Hugh F. Boyle serves as the Executive Vice President and Chief Credit Officer for Sierra Bancorp. He joined the company in 2020. Previously, Boyle held positions such as Chief Credit Officer at JPMorgan Chase & Co, Executive Vice President and Chief Risk Officer at Banc of California, Inc., and Chief Risk Officer at First Caribbean International Bank Ltd. He attended Penn State University.
William J. Wade II, Executive Vice President and Chief Operations Officer
William J. Wade II was appointed Executive Vice President and Chief Operations Officer, effective July 7, 2025. He holds a Bachelor of Business Administration in Management from the University of Texas at Arlington. Wade's career spans over 30 years, primarily in the information technology sector within various industries. Before joining Sierra Bancorp, he served as Chief Information Officer and Executive Vice President of Information Technology for Independent Financial from 2021 until the company was acquired by South State Bank on January 2, 2025. Prior to that, he was Chief Business Architect and Senior Vice President of Information Technology at Simmons Bank from 2018 to 2021.
AI Analysis | Feedback
The key risks to Sierra Bancorp's business are as follows:1. Interest Rate Risk
Sierra Bancorp is significantly exposed to interest rate risk, which can adversely affect its profitability. Changes in market interest rates can impact the company's net interest income, the value of its investment portfolio, and the ability of borrowers to repay their loans. Elevated interest rates have already led to a decrease in the value of the company's securities portfolio, potentially resulting in realized losses if liquidity needs arise.2. Commercial Real Estate (CRE) Loan Concentration
A substantial portion of Sierra Bancorp's loan portfolio is concentrated in real estate, with commercial real estate constituting 54.6% of total gross loans and 72% of loans secured by property as of December 31, 2025. This concentration exposes the company to risks associated with downturns in the real estate market, rising office vacancy rates due to remote work trends, and the necessity for borrowers to refinance at potentially higher rates. The broader California banking sector also faces a notable overexposure to CRE loans.3. Competitive Market and Fintech Competition
The banking industry in California is highly competitive, with major national banks and rapidly evolving financial technology (fintech) companies presenting significant challenges. This intense competition can limit Sierra Bancorp's ability to attract and retain customers, potentially leading to increased funding costs and reduced profitability.AI Analysis | Feedback
The clear emerging threat for Sierra Bancorp is the increasing competition from digital-first banks (often referred to as neobanks) and financial technology (fintech) companies, including the growing presence of large technology companies in financial services. These competitors operate with significantly lower overhead due to minimal or no physical branch networks, allowing them to offer more competitive interest rates on deposits, lower fees, and often a superior, more convenient digital-first user experience. This trend directly challenges the traditional brick-and-mortar banking model employed by Sierra Bancorp, potentially eroding its deposit base and market share in various loan categories, particularly among younger, tech-savvy customers seeking more agile and accessible financial services.
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Addressable Markets for Sierra Bancorp's Main Products and Services in California
Sierra Bancorp, operating as Bank of the Sierra, provides retail and commercial banking services to individuals and businesses primarily within California. The addressable markets for its main products and services in California are substantial:
- The Commercial Banking industry in California is estimated at $143.0 billion in 2026. This industry encompasses financial services provided to retail and business clients, including commercial, industrial, and consumer loans, as well as the acceptance of deposits.
- For real estate and mortgage loans, over $237 billion in home loans were originated in California in 2024. The Real Estate Loans & Collateralized Debt industry in California is projected to be $62.3 billion in 2026.
- In agricultural lending, the value generated by California agriculture reached almost $60 billion in 2023, signifying the substantial economic activity that agricultural loans support within the state.
- For consumer loans, finance lenders originated $145.4 billion in California in 2021. Californians held approximately $30 billion in personal loan debt as of late 2024.
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Sierra Bancorp (BSRR) is expected to drive future revenue growth over the next two to three years through several key strategic initiatives and market focuses:
- Organic Loan Growth, particularly in Mortgage Warehouse and Commercial Real Estate: Sierra Bancorp has demonstrated a strategic focus on expanding its loan portfolio, especially within mortgage warehouse lines and commercial real estate. The company anticipated mid-single-digit loan growth for 2026, building on a 9% annualized growth rate in total loans during 2025, largely driven by strategic enhancements to its mortgage warehouse program.
- Enhancing Commercial Deposit Growth and Optimizing Deposit Mix: The company aims to improve its net interest margin by focusing on the growth of low-cost deposits, particularly commercial deposits. Strategic balance sheet management includes efforts to reduce higher-cost brokered deposits and increase noninterest-bearing deposits, which constituted a significant portion of total deposits in 2025.
- Leveraging Technology to Enhance Customer Access and Convenience: Sierra Bancorp plans to continue investing in technology to improve customer access and convenience. This initiative is aimed at enhancing the overall customer experience across all touchpoints, which can lead to deeper customer relationships and potentially new customer acquisition, thereby supporting revenue growth.
- Strategic Acquisitions and Geographic Expansion: The company's future outlook includes exploring opportunities for growth through acquisitions within its existing operational footprint or through expansion into new geographic areas. This strategy, consistent with its historical growth through acquisitions, aims to broaden its market presence and customer base.
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Share Repurchases
- Sierra Bancorp authorized a new share repurchase program on October 24, 2025, allowing for the repurchase of up to 1,000,000 shares of its common stock, effective from November 1, 2025, to October 31, 2026. This program replaced a prior authorization from October 17, 2024, which also covered 1,000,000 shares.
- The company repurchased $30.8 million of its own shares during 2025.
- Notable quarterly share repurchases include $14.47 million in March 2025 and $7.51 million in December 2025.
Capital Expenditures
- Capital expenditures for the fiscal year 2024 totaled $1.156 million.
- For the latest twelve months ending June 2025, capital expenditures amounted to $1.331 million, with $451,000 expended in the quarter ending June 2025.
- A primary focus for capital expenditures is technology investments in digital platforms, which are considered crucial for competing in modern banking.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| Can Sierra Bancorp Stock Hold Up When Markets Turn? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
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| 04242026 | HOMB | Home BancShares | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | 1.5% | 1.5% | 0.0% |
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| 03272026 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 0.3% | 0.3% | -4.0% |
Research & Analysis
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Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 43.83 |
| Mkt Cap | 2.2 |
| Rev LTM | 463 |
| Op Inc LTM | - |
| FCF LTM | 173 |
| FCF 3Y Avg | 137 |
| CFO LTM | 177 |
| CFO 3Y Avg | 148 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 7.7% |
| Rev Chg 3Y Avg | 1.2% |
| Rev Chg Q | 9.8% |
| QoQ Delta Rev Chg LTM | 2.4% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 37.7% |
| CFO/Rev 3Y Avg | 41.2% |
| FCF/Rev LTM | 36.6% |
| FCF/Rev 3Y Avg | 40.5% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 2.2 |
| P/S | 4.4 |
| P/Op Inc | - |
| P/EBIT | - |
| P/E | 12.7 |
| P/CFO | 12.1 |
| Total Yield | 11.0% |
| Dividend Yield | 2.8% |
| FCF Yield 3Y Avg | 9.6% |
| D/E | 0.1 |
| Net D/E | -0.3 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 6.6% |
| 3M Rtn | -0.5% |
| 6M Rtn | 16.0% |
| 12M Rtn | 36.9% |
| 3Y Rtn | 96.3% |
| 1M Excs Rtn | -5.3% |
| 3M Excs Rtn | -7.5% |
| 6M Excs Rtn | 9.5% |
| 12M Excs Rtn | 5.5% |
| 3Y Excs Rtn | -0.9% |
Price Behavior
| Market Price | $36.85 | |
| Market Cap ($ Bil) | 0.5 | |
| First Trading Date | 05/30/1996 | |
| Distance from 52W High | -2.4% | |
| 50 Days | 200 Days | |
| DMA Price | $34.75 | $31.82 |
| DMA Trend | up | indeterminate |
| Distance from DMA | 6.0% | 15.8% |
| 3M | 1YR | |
| Volatility | 26.6% | 29.4% |
| Downside Capture | 0.54 | 0.48 |
| Upside Capture | 69.80 | 106.10 |
| Correlation (SPY) | 34.8% | 44.3% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.87 | 0.71 | 0.64 | 0.62 | 1.06 | 0.91 |
| Up Beta | 0.38 | 0.55 | 0.37 | 0.65 | 1.38 | 0.86 |
| Down Beta | 2.51 | 0.50 | 0.89 | 0.67 | 0.83 | 0.89 |
| Up Capture | 98% | 78% | 87% | 85% | 107% | 110% |
| Bmk +ve Days | 15 | 22 | 31 | 66 | 141 | 428 |
| Stock +ve Days | 11 | 20 | 33 | 58 | 117 | 364 |
| Down Capture | 284% | 84% | 48% | 35% | 95% | 96% |
| Bmk -ve Days | 4 | 18 | 30 | 56 | 108 | 321 |
| Stock -ve Days | 10 | 22 | 30 | 64 | 131 | 376 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with BSRR | |
|---|---|---|---|---|
| BSRR | 41.2% | 29.3% | 1.17 | - |
| Sector ETF (XLF) | 6.5% | 14.6% | 0.21 | 55.2% |
| Equity (SPY) | 28.5% | 12.5% | 1.78 | 44.8% |
| Gold (GLD) | 40.6% | 27.2% | 1.23 | -15.0% |
| Commodities (DBC) | 50.9% | 18.0% | 2.20 | -25.5% |
| Real Estate (VNQ) | 12.8% | 13.5% | 0.65 | 36.5% |
| Bitcoin (BTCUSD) | -14.2% | 42.1% | -0.25 | 15.4% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with BSRR | |
|---|---|---|---|---|
| BSRR | 10.4% | 31.0% | 0.36 | - |
| Sector ETF (XLF) | 9.1% | 18.6% | 0.37 | 55.8% |
| Equity (SPY) | 12.7% | 17.1% | 0.58 | 41.0% |
| Gold (GLD) | 21.0% | 17.9% | 0.96 | -1.0% |
| Commodities (DBC) | 13.9% | 19.1% | 0.60 | 4.8% |
| Real Estate (VNQ) | 3.5% | 18.8% | 0.09 | 41.0% |
| Bitcoin (BTCUSD) | 8.7% | 56.1% | 0.37 | 15.6% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with BSRR | |
|---|---|---|---|---|
| BSRR | 11.3% | 36.6% | 0.40 | - |
| Sector ETF (XLF) | 12.5% | 22.2% | 0.52 | 65.3% |
| Equity (SPY) | 14.9% | 17.9% | 0.71 | 49.3% |
| Gold (GLD) | 13.7% | 16.0% | 0.71 | -3.3% |
| Commodities (DBC) | 9.5% | 17.7% | 0.45 | 16.4% |
| Real Estate (VNQ) | 5.7% | 20.7% | 0.24 | 47.8% |
| Bitcoin (BTCUSD) | 68.4% | 66.9% | 1.07 | 14.8% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/27/2026 | 2.2% | 0.8% | |
| 2/2/2026 | 4.9% | 7.0% | 1.2% |
| 10/27/2025 | 1.1% | 5.4% | 11.3% |
| 7/28/2025 | 1.1% | -6.3% | 0.8% |
| 4/28/2025 | 0.6% | 4.2% | 6.9% |
| 1/27/2025 | -0.1% | 1.3% | 3.0% |
| 10/21/2024 | -6.8% | -5.9% | 5.1% |
| 7/22/2024 | 6.3% | 12.3% | 7.9% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 14 | 15 | 18 |
| # Negative | 10 | 9 | 5 |
| Median Positive | 1.6% | 4.5% | 5.0% |
| Median Negative | -0.9% | -5.9% | -5.1% |
| Max Positive | 9.2% | 16.1% | 20.4% |
| Max Negative | -6.8% | -10.8% | -15.1% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/01/2026 | 10-Q |
| 12/31/2025 | 02/27/2026 | 10-K |
| 09/30/2025 | 10/31/2025 | 10-Q |
| 06/30/2025 | 08/01/2025 | 10-Q |
| 03/31/2025 | 05/02/2025 | 10-Q |
| 12/31/2024 | 03/03/2025 | 10-K |
| 09/30/2024 | 11/07/2024 | 10-Q |
| 06/30/2024 | 08/05/2024 | 10-Q |
| 03/31/2024 | 05/06/2024 | 10-Q |
| 12/31/2023 | 03/22/2024 | 10-K |
| 09/30/2023 | 11/02/2023 | 10-Q |
| 06/30/2023 | 08/03/2023 | 10-Q |
| 03/31/2023 | 05/05/2023 | 10-Q |
| 12/31/2022 | 03/09/2023 | 10-K |
| 09/30/2022 | 11/03/2022 | 10-Q |
| 06/30/2022 | 08/04/2022 | 10-Q |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Castle, Julie G | Direct | Sell | 2172026 | 37.52 | 250 | 9,380 | 81,831 | Form | |
| 2 | Castle, Julie G | Direct | Sell | 2092026 | 37.93 | 750 | 28,450 | 92,216 | Form | |
| 3 | Holly, James C | Direct | Sell | 2062026 | 37.93 | 5,000 | 189,666 | 11,492,591 | Form | |
| 4 | Scearcy, Lynda | Direct | Sell | 1162026 | 35.00 | 5,000 | 175,000 | 1,054,645 | Form | |
| 5 | Abundis, Susan M | Direct | Sell | 12112025 | 33.50 | 600 | 20,100 | 254,700 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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