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

Metric BMRC CZNC Banks Regional median
P/E n/m 17.42 12.15
P/S 4.08 2.39 2.37
P/B 1.12 1.32 1.21
Price to free cash flow 11.62 10.20 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.92 2.77 2.27
Earnings yield (3.26%) 5.74% 8.11%
Free cash flow yield 8.61% 9.80% 8.98%

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

Metric BMRC CZNC Banks Regional median
Revenue growth (TTM) (20.46%) 19.01% 6.61%
EPS growth (last fiscal year) (330.77%) (13.61%) —
Revenue growth, 5-year CAGR (6.87%) 10.84% 12.30%
Net income growth, 5-year CAGR 0.00% 4.00% 9.71%

Health

Metric BMRC CZNC Banks Regional median
Debt to equity 0.11 0.45 0.22
Current ratio 0.72 0.91 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BMRC CZNC Banks Regional median
Dividend yield 5.81% 6.04% 3.75%
Payout ratio 0.41 0.53 0.27

Size

Metric BMRC CZNC Banks Regional median
Market cap 449.88m 456.98m 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack