Bank of Marin Bancorp (BMRC) vs Citizens & Northern Corp (CZNC)
Bank of Marin Bancorp and Citizens & Northern Corp are both Banks Regional companies. Bank of Marin Bancorp and Citizens & Northern Corp are of similar size ($457.0M and $449.9M). Bank of Marin Bancorp has negative trailing earnings, so its P/E is not meaningful; Citizens & Northern Corp trades at 17.4×. Citizens & Northern Corp grew revenue faster over the last twelve months: 19.0% against −20.5%. Citizens & Northern Corp has the higher net margin (13.2% vs −13.1%) and the higher return on invested capital (4.65% vs −9.12%). Both pay a dividend; Citizens & Northern Corp yields more (6.04% vs 5.81%). Across the 19 metrics below, Citizens & Northern Corp leads on 15 and Bank of Marin Bancorp on 4.
Valuation
Profitability
| Metric | BMRC | CZNC | Banks Regional median |
|---|---|---|---|
| Gross margin | 56.00% | 74.65% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | (13.07%) | 13.23% | 18.66% |
| Free cash flow margin | 35.12% | 23.45% | 21.18% |
| Return on equity | (3.41%) | 7.99% | 10.64% |
| Return on assets | (0.38%) | 0.88% | 1.13% |
| Return on invested capital | (9.12%) | 4.65% | 8.33% |
Growth
Health
Dividend
Size
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