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Sierra Bancorp (BSRR) vs Northrim BanCorp Inc (NRIM)

Sierra Bancorp and Northrim BanCorp Inc are both Banks Regional companies. Sierra Bancorp and Northrim BanCorp Inc are of similar size ($544.1M and $524.3M). Northrim BanCorp Inc trades at the lower P/E: 9.4× against 10.8×. Northrim BanCorp Inc grew revenue faster over the last twelve months: 3.16% against −1.01%. Sierra Bancorp has the higher net margin (25.3% vs 21.8%) and the lower return on invested capital (13.5% vs 25.2%). Both pay a dividend; Northrim BanCorp Inc yields more (2.76% vs 2.53%). Across the 19 metrics below, Northrim BanCorp Inc leads on 18 and Sierra Bancorp on 1.

Valuation

Metric BSRR NRIM Banks Regional median
P/E 10.79 9.37 12.02
P/S 2.68 2.04 2.36
P/B 1.48 1.47 1.23
Price to free cash flow 10.47 6.45 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.27% 10.67% 8.21%
Free cash flow yield 9.55% 15.50% 9.23%

Profitability

Metric BSRR NRIM Banks Regional median
Gross margin 78.49% 83.90% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.32% 21.83% 18.82%
Free cash flow margin 25.63% 32.04% 17.97%
Return on equity 14.02% 16.63% 10.28%
Return on assets 1.37% 1.62% 1.13%
Return on invested capital 13.53% 25.15% 8.45%

Growth

Metric BSRR NRIM Banks Regional median
Revenue growth (TTM) (1.01%) 3.16% 6.37%
EPS growth (last fiscal year) 10.28% 73.41% 18.85%
Revenue growth, 5-year CAGR 8.17% 12.79% 12.65%
Net income growth, 5-year CAGR 3.61% 14.46% 9.81%

Health

Metric BSRR NRIM Banks Regional median
Debt to equity 0.24 0.23 0.17
Current ratio 0.81 0.94 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSRR NRIM Banks Regional median
Dividend yield 2.53% 2.76% 2.49%
Payout ratio 0.27 0.26 0.29

Size

Metric BSRR NRIM Banks Regional median
Market cap 544.07m 524.31m 934.85m

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