---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-25-000431"
form_type: "8-K"
ticker: "BSRR"
cik: "0001130144"
company_name: "SIERRA BANCORP"
filed_at: "2025-01-27T23:59:59+00:00"
generated_at: "2026-05-27T08:59:51.996179+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Sierra Bancorp Q4 net income $10.4M ($0.72 EPS), up 65% YoY; FY net income $40.6M

## Summary
- Q4 net income $10.4M ($0.72 diluted EPS) vs $6.3M ($0.43) in Q4 2023; full-year $40.6M ($2.82) vs $34.8M ($2.36).
- Net interest margin expanded 34 bps to 3.65%; loans grew 12% YoY to $2.33B; deposits up 5% to $2.89B.
- Board increased quarterly dividend to $0.25/share (up $0.01), marking 104th consecutive quarterly dividend.
- Repurchased 229,850 shares in Q4 at avg $29.38; additional 112,896 shares through Jan 23, 2025.
- Tangible book value per share rose to $23.15 from $20.91 a year ago; Community Bank Leverage Ratio 11.80%.

## SEC filing metadata
- accession: 0001558370-25-000431
- form_type: 8-K
- ticker: BSRR
- cik: 0001130144
- company_name: SIERRA BANCORP
- filed_at: 2025-01-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1130144/000155837025000431/0001558370-25-000431-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1130144/000155837025000431/bsrr-20250127x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-000431
- JSON: https://secwatch.observer/filing/0001558370-25-000431.json
- Plain text: https://secwatch.observer/filing/0001558370-25-000431.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.