Is SIERRA BANCORP (BSRR) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 42.7% | |
| Net Margin | 28.4% | |
| Return on Equity (ROE) | 11.7% | |
| Return on Assets (ROA) | 1.1% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $34M |
| Free Cash Flow | $32M |
| Total Debt | $388M |
| Total Assets | $3.8B |
Price & Trading
| Last Close | $33.53 |
| 50-Day MA | $35.21 |
| 200-Day MA | $31.49 |
| Avg Volume | 68K |
| Beta | 0.8 |
|
52-Week Range
$22.42
| |
About SIERRA BANCORP (BSRR)
Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking products and services to individuals and businesses in California. It accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. The company's loan products include real estate, commercial, mortgage warehouse, agricultural, and consumer loans. It also offers automated teller machines; electronic point-of-sale payment alternatives; multiple account access options; online account opening platform; online banking with bill-pay and mobile banking capabilities, including mobile check deposit; online lending solutions for consumers and small businesses; customer service center services; an automated telephone banking system; and remote deposit capture and payroll services. Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California.
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Frequently Asked Questions
Is SIERRA BANCORP (BSRR) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), SIERRA BANCORP is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is SIERRA BANCORP's debt ratio?
SIERRA BANCORP's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are SIERRA BANCORP's key financial metrics?
SIERRA BANCORP has a market capitalization of $449M, trailing P/E ratio of 10.7, and revenue of $146M. Return on equity stands at 11.7%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.