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NRLB Northern California Bancorp, Inc.
Banks, Insurers & Asset Managers
F 16.4 / 100 composite

AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.

Profitability

Weight: 25%
F 3

Scored using ROA (NIM proxy) — financial-archetype substitution.

  • 5yr Avg ROA -0.8%
  • Operating Margin Trend -26.05 pp/yr

Capital Efficiency

Weight: 20%
F 25

Scored using ROTCE — financial-archetype substitution.

  • 5yr Avg ROTCE -52.0%
  • 5yr Share-Count CAGR -1.3%

Growth Quality

Weight: 10%
F 14

Scored using BVPS — financial-archetype substitution.

  • 5yr BVPS CAGR -65.6%
  • 5yr EPS CAGR -6.5%
  • Positive-EPS Years (5) 3/5

Cash Generation

Weight: 5%
A 91

Scored using OCF/NI — banks have no FCF concept.

  • 5yr OCF/NI 1.04x

Balance Sheet

Weight: 30%
F 5

Scored using Equity/Assets — financial-archetype substitution.

  • Equity / Assets 1.5%
  • Interest Coverage (EBIT/Int) -0.08x

Stability

Weight: 10%
D- 32
  • EPS Volatility (σ/μ) 0.50
  • Piotroski F-Score 4
  • Negative-Revenue Years (5) 4/5

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Not Followed

Not held by any curated guru.