Sierra Bancorp reports record Q4 income $12.9M, EPS $0.97, up 34% YoY; FY2025 EPS $3.11, up 10.3%

SIERRA BANCORP

2025-FY EPS reported $3.11

Q4 2025 net income $12.9M ($0.97 diluted EPS), record quarter; vs $10.4M ($0.72) in Q4'24 and $9.7M ($0.72) in Q3'25.
Full year 2025 net income $42.3M ($3.11 EPS), up 10.3% over FY2024; net interest margin 3.79%, efficiency ratio 57.7%.
Loans grew 9% annualized in Q4 ($55.1M); full year loan growth $215.4M to $2.5B, led by mortgage warehouse program.
Tangible book value $25.42/share, up 3.1% in Q4; repurchased 222,039 shares at $31.52 avg during quarter.
Quarterly dividend increased to $0.26/share in Jan 2026 (108th consecutive); cost of avg deposits declined to 1.14%.

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