BSRR
Sierra Bancorp
BSRR offers stronger modeled upside, but that advantage does not outweigh its weaker overall profile.
GS
The Goldman Sachs Group, Inc.
GS has the edge over BSRR overall, supported by stronger valuation and lower modeled downside.
BSRR Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
BSRR's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like BSRR.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
BSRR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.1x | $31.30 | -26% |
| Fair | 9.4x | $36.40 | -13% |
| Current | 11x | $42.06 | — |
| Forward | 11x | $42.06 | — |
| Expensive | 12x | $45.12 | +7.3% |
Historical ranges are pointers, not guarantees.
BSRR has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
BSRR Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect BSRR's earnings to grow and its profitability to improve, with its revenue holding steady.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
GS has the edge over BSRR on the outlook, with more favorable revenue expectations.
BSRR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.87 | -0.1% |
| Q3 2026 | $3.87 | +35% |
| Q2 2026 | $3.41 | +18% |
| Q1 2026 | $3.42 | +21% |
| Q4 2025 | $3.11 | +11% |
| Q3 2025 | $2.87 | +14% |
| Q2 2025 | $2.89 | +17% |
| Q1 2025 | $2.82 | +17% |
| Q4 2024 | $2.81 | +19% |
BSRR's earnings per share have climbed steadily: $3.87 over the past year, up 35% from the year before, and higher year over year for 13 quarters in a row.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over BSRR on earnings, with stronger typical year-over-year growth.
BSRR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $40.1M | +0.1% |
| Q2 2026 | $39M | -0.6% |
| Q1 2026 | $38.6M | +5% |
| Q4 2025 | $39.3M | +3.8% |
| Q3 2025 | $40M | +3.8% |
| Q2 2025 | $39.2M | +3.7% |
| Q1 2025 | $36.8M | -1.5% |
| Q4 2024 | $37.9M | +5.4% |
BSRR's revenue grew through 2024 and has held roughly level since: $40M last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 49% | +18 points |
| Q2 2026 | 34% | -2.3 points |
| Q1 2026 | 43% | +10 points |
| Q4 2025 | 44% | +10 points |
| Q3 2025 | 32% | -5.6 points |
| Q2 2025 | 36% | -1.3 points |
| Q1 2025 | 33% | -0.6 points |
| Q4 2024 | 33% | +10 points |
BSRR has the edge over GS on profitability, with a higher operating margin.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS has the edge over BSRR on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
BSRR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $20.7M | +41% |
| Q2 2026 | $5.4M | +$41.7M |
| Q1 2026 | $11M | -73% |
| Q4 2025 | $13.5M | -38% |
| Q3 2025 | $14.7M | -46% |
| Q2 2025 | -$36.3M | -18076% |
| Q1 2025 | $40.2M | +509% |
| Q4 2024 | $21.9M | +437% |
BSRR has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
BSRR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.3% | -35.6K shares |
| 1 year | -4.1% | -547K shares |
| 3 years | -12% | -1.7M shares |
| 5 years | -16% | -2.4M shares |
| Available history | -16% | -2.5M shares |
BSRR has 13M diluted shares, down 4.1% from a year ago, with $22M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $5M |
| Q1 2026 | $9.9M |
| Q4 2025 | $7.5M |
| Q3 2025 | $6M |
| Q2 2025 | $4M |
| Q1 2025 | $14.3M |
| Q4 2024 | $7.2M |
BSRR spent $22M buying back its own shares over the past year, down 29% from the year before.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over BSRR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
BSRR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.5x | Net Cash |
| Q2 2026 | -1.6x | Net Cash |
| Q1 2026 | -1.8x | Net Cash |
| Q4 2025 | 4.7x | High |
| Q3 2025 | -0.9x | Net Cash |
| Q2 2025 | -1.5x | Net Cash |
| Q1 2025 | -2.1x | Net Cash |
| Q4 2024 | 1.1x | Healthy |
BSRR has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BSRR.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over BSRR on leverage, with a lower net debt burden relative to earnings.
BSRR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.1 | Neutral |
| Stochastic | 60.4 | Neutral |
BSRR's weekly RSI is 62 (neutral) and its Stochastic is 60 (neutral).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
BSRR PE vs Financial Services Sector
| Metric | BSRR | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 17% below |
| PE % | 71 | 63 | 8 pts above |
BSRR has the edge over GS on valuation relative to its sector.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
BSRR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $40.7 | 3.4% above |
| 20 week MA | $40.8 | 3.2% above |
| 50 week MA | $37.9 | 11% above |
| 100 week MA | $33.4 | 26% above |
| 200 week MA | $27.5 | 53% above |
BSRR has the edge over GS on trend strength, trading above more of its moving averages.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
BSRR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $29.2 | $23.6 | -19% |
| 2021 | $23.6 | $27.3 | +16% |
| 2022 | $27.3 | $21.7 | -21% |
| 2023 | $21.7 | $22.6 | +4% |
| 2024 | $22.6 | $29.0 | +29% |
| 2025 | $29.0 | $33.1 | +14% |
| 2026 YTD | $33.1 | $42.1 | +27% |
BSRR has the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.