Sierra Bancorp (BSRR) is a financial holding company that owns one bank subsidiary, Bank of the Sierra, which provides a full range of retail and commercial banking services to individuals and businesses in California. The company's income statement reflects its financial performance over a specific period. It shows the revenue generated, expenses incurred, and net income earned by Sierra Bancorp. The company's EBIT (earnings before interest and taxes) is a measure of its operating profitability. It indicates the company's ability to generate profits from its core operations without considering interest and taxes. Sierra Bancorp's EBITDA (earnings before interest, taxes, depreciation, and amortization) adjusts the EBIT for non-cash expenses, providing a more accurate picture of its operating performance.
The gross profit of Sierra Bancorp represents the revenue generated from its core operations minus the cost of goods sold. It indicates the efficiency and profitability of the company's operations. The net income from stockholders is the portion of the company's profit allocated to its stockholders after considering all expenses and taxes. It reflects the return on investment for the shareholders. The total revenue of Sierra Bancorp represents the sum of all its income streams, including interest income, fee income, and other operating revenues.
Sierra Bancorp's balance sheet provides a snapshot of its financial position at a specific point in time. It includes the company's assets, liabilities, and stockholders' equity. The cash equivalents of Sierra Bancorp refer to highly liquid investments that can be readily converted into cash. They provide the company with flexibility in meeting its short-term obligations. The net debt of Sierra Bancorp represents its total debt minus its cash and cash equivalents. It indicates the company's ability to repay its long-term obligations. The stockholders' equity of Sierra Bancorp represents the ownership interest of its shareholders. It reflects the company's net worth.
The total assets of Sierra Bancorp represents the sum of all its tangible and intangible assets, including cash, loans, investments, and property. It indicates the size and value of the company. The total debt of Sierra Bancorp includes all its short-term and long-term liabilities. It represents the company's obligations to its creditors. The total liabilities of Sierra Bancorp include both its short-term and long-term liabilities. It represents the company's total financial obligations.
The cash flow statement of Sierra Bancorp provides information about its cash inflows and outflows during a specific period. It includes operating, investing, and financing cash flows. The operating cash flow of Sierra Bancorp reflects the cash generated from its core operations, such as interest and fee income. It indicates the company's ability to generate cash from its day-to-day operations. The financing cash flow of Sierra Bancorp reflects the cash flows related to its financing activities, such as issuing or repurchasing stock and taking on or repaying debt. It shows how the company funds its operations and investments.
The free cash flow of Sierra Bancorp is the cash remaining after deducting capital expenditures from its operating cash flow. It represents the cash available for distribution to stockholders or for reinvestment in the business. The investing cash flow of Sierra Bancorp reflects the cash flows related to its investment activities, such as acquiring or selling assets. It shows how the company allocates its cash for long-term growth. The operating cash flow, investing cash flow, and financing cash flow together make up the total cash flow of Sierra Bancorp.