COMP <GO>
BSRR vs NPB // DIVIDEND YIELD & FCF PAYOUT SAFETY
Sierra Bancorp (NASDAQ) VS. Northpointe Bancshares Inc. (NYSE) • 15-METRIC TALLY: BSRR 2
— NPB 4
▲ DIVIDEND YIELD & FCF PAYOUT SAFETY LEADER: BSRR
LAST: $42.43 (+0.21%) • MKT CAP: $550.2M
dividend-safety
2.50%
LAST: $16.18 (-0.06%) • MKT CAP: $559.5M
dividend-safety
0.58%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BSRR VS. NPB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BSRR | NPB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.60% | 14.70% | -3.10 | NPB | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 5.85% | 7.42% | -1.57 | NPB | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety ACTIVE | 2.50% | 0.58% | +1.92 | BSRR | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 4/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 60.8 | 50.4 | +10.38 | BSRR | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.1x | 6.2x | +5.90 | NPB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $550.2M | $559.5M | -$9.4M | NPB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BSRR REV | NPB REV | BSRR GROSS % | NPB GROSS % | BSRR FCF | NPB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $32.2M | $41.5M |
| FY 2024 | $0 | $0 | — | — | $56.0M | $18.8M |
| FY 2023 | $0 | $0 | — | — | $53.2M | $504.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BSRR // BETA —
NPB // BETA —