Critical Comparison: Sierra Bancorp (NASDAQ:BSRR) and SouthState (NASDAQ:SSB)


Sierra Bancorp (NASDAQ: BSRRGet a rating) and Southern State (NASDAQ: SSBGet a rating) are both finance companies, but which company is superior? We’ll compare the two companies based on valuation strength, earnings, risk, analyst recommendations, dividends, institutional ownership and profitability.

Profitability

This table compares the net margins, return on equity and return on assets of Sierra Bancorp and SouthState.

Net margins Return on equity return on assets
Sierra Bancorp 30.47% 12.01% 1.28%
southern state 33.04% 11.27% 1.32%

Dividends

Sierra Bancorp pays an annual dividend of $0.92 per share and has a dividend yield of 3.7%. SouthState pays an annual dividend of $1.96 per share and has a dividend yield of 2.4%. Sierra Bancorp pays 32.9% of its earnings as a dividend. SouthState pays 29.2% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Sierra Bancorp has increased its dividend for 10 consecutive years and SouthState has increased its dividend for 10 consecutive years.

Analyst Notes

This is a breakdown of recent ratings from Sierra Bancorp and SouthState, provided by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Sierra Bancorp 0 1 0 0 2.00
southern state 0 1 3 0 2.75

SouthState has a consensus target price of $82.43, indicating a potential downside of 0.37%. Given SouthState’s stronger consensus rating and higher likely upside, analysts clearly think SouthState is more favorable than Sierra Bancorp.

Insider and Institutional Ownership

53.3% of Sierra Bancorp shares are held by institutional investors. By comparison, 84.3% of SouthState’s shares are held by institutional investors. 11.9% of Sierra Bancorp shares are held by insiders. By comparison, 1.9% of SouthState shares are held by insiders. Strong institutional ownership indicates that hedge funds, endowments, and large fund managers believe a company is poised for long-term growth.

Valuation and benefits

This chart compares the earnings, earnings per share (EPS), and valuation of Sierra Bancorp and SouthState.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Sierra Bancorp $141.15 million 2.67 $43.01 million $2.80 8.91
southern state $1.44 billion 3.95 $475.54 million $6.71 12:33 p.m.

SouthState has higher revenues and profits than Sierra Bancorp. Sierra Bancorp trades at a lower price-to-earnings ratio than SouthState, indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

Sierra Bancorp has a beta of 1.1, indicating its stock price is 10% more volatile than the S&P 500. In comparison, SouthState has a beta of 0.83, indicating its stock price is 17% less volatile than the S&P 500.

Summary

SouthState beats Sierra Bancorp on 12 of 16 factors compared between the two stocks.

About Sierra Bancorp (Get a rating)

Sierra Bancorp operates as a bank holding company for Bank of the Sierra which provides retail and commercial banking services to individuals and businesses in California. The Company accepts various deposit products, such as checking accounts, savings accounts, money market current accounts, term deposits, retirement accounts and sweepstakes accounts. Its lending products include agricultural, commercial, consumer, real estate, construction and mortgage loans. The company also offers ATMs; point-of-sale electronic payment alternatives; online and automated telephone banking services; and remote deposit collection and automated payroll services for corporate clients. As of December 31, 2021, it operated 35 full-service branches, an online branch, a loan origination office, an agricultural credit center and an SBA center. Sierra Bancorp was founded in 1977 and is based in Porterville, California.

About Southern State (Get a rating)

SouthState Corporation operates as a bank holding company for SouthState Bank, a National Association which provides a range of personal and business banking services and products. It accepts checking accounts, savings deposits, interest-bearing transaction accounts, certificates of deposit, money market accounts, and other term deposits. The company also offers commercial real estate loans, residential real estate loans, commercial and industrial loans, and consumer loans, including auto, boat and personal installment loans. In addition, it provides debit cards, mobile and money transfer products, as well as cash management services including merchant, automated clearing house, safe deposit box, remote deposit capture and cash management services. other treasury services. In addition, the Company offers safe deposit boxes, money orders, electronic transfers, brokerage services and alternative investment products, including annuities, mutual funds and trust and investment management services. assets ; and credit cards, letters of credit and home equity lines of credit. As of December 31, 2021, it served customers at 281 branches in Florida, South Carolina, Alabama, Georgia, North Carolina and Virginia. SouthState Corporation also serves its customers through online, mobile and telephone banking platforms. The company was formerly known as First Financial Holdings, Inc. and changed its name to SouthState Corporation in July 2013. SouthState Corporation was founded in 1933 and is headquartered in Winter Haven, Florida.



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