Profitability
Weight: 25%
C
53
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.0%
- Operating Margin Trend -3.45 pp/yr
BSRR
Sierra Bancorp
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
B+
79
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 11.5%
- 5yr Share-Count CAGR -3.0%
Growth Quality
Weight: 10%
B+
78
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 17.6%
- 5yr EPS CAGR 2.7%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
96
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.19x
Balance Sheet
Weight: 30%
C+
58
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 9.5%
- Interest Coverage (EBIT/Int) 1.21x
Stability
Weight: 10%
B
74
- EPS Volatility (σ/μ) 0.29
- Piotroski F-Score 7
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 1 gurus held; 1 trimmed.
- Holders
- 1
- Avg Δ position
- -27.4%
- New buys
- 0
- Full exits
- 0
- Cooperman decreased -27%