Profitability
Weight: 25%
B-
68
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 59.8%
- Efficiency Ratio Trend -0.75 pp/yr
BSRR
Sierra Bancorp
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B
74
- 5yr Avg ROE 11.2%
- 5yr Share-Count CAGR -2.3%
Growth Quality
Weight: 15%
A-
83
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 9.7%
- Efficiency Ratio Trend (growth quality check) -0.75 pp/yr
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
B-
64
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.04
Balance Sheet
Weight: 20%
B+
76
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 9.5%
Stability
Weight: 10%
B-
68
- EPS Volatility (σ/μ) 0.29
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 1 gurus held; 1 added.
- Holders
- 1
- Avg Δ position
- +197.9%
- New buys
- 0
- Full exits
- 0
- Cooperman increased +198%