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Colony Bankcorp, Inc. (CBAN) vs Northrim BanCorp Inc (NRIM)

Colony Bankcorp, Inc. and Northrim BanCorp Inc are both Banks Regional companies. Colony Bankcorp, Inc. and Northrim BanCorp Inc are of similar size ($546.8M and $524.3M). Northrim BanCorp Inc trades at the lower P/E: 9.4× against 12.1×. Colony Bankcorp, Inc. grew revenue faster over the last twelve months: 16.3% against 3.16%. Northrim BanCorp Inc has the higher net margin (21.8% vs 15.4%) and the higher return on invested capital (25.2% vs 6.15%). Both pay a dividend; Northrim BanCorp Inc yields more (2.76% vs 1.80%). Across the 19 metrics below, Northrim BanCorp Inc leads on 14 and Colony Bankcorp, Inc. on 5.

Valuation

Metric CBAN NRIM Banks Regional median
P/E 12.11 9.37 12.02
P/S 1.99 2.04 2.36
P/B 1.08 1.47 1.23
Price to free cash flow 18.60 6.45 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.26% 10.67% 8.21%
Free cash flow yield 5.38% 15.50% 9.23%

Profitability

Metric CBAN NRIM Banks Regional median
Gross margin 71.44% 83.90% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.42% 21.83% 18.82%
Free cash flow margin 10.71% 32.04% 17.97%
Return on equity 9.57% 16.63% 10.28%
Return on assets 0.97% 1.62% 1.13%
Return on invested capital 6.15% 25.15% 8.45%

Growth

Metric CBAN NRIM Banks Regional median
Revenue growth (TTM) 16.31% 3.16% 6.37%
EPS growth (last fiscal year) 16.91% 73.41% 18.85%
Revenue growth, 5-year CAGR 16.84% 12.79% 12.65%
Net income growth, 5-year CAGR 19.05% 14.46% 9.81%

Health

Metric CBAN NRIM Banks Regional median
Debt to equity 0.60 0.23 0.17
Current ratio 0.88 0.94 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBAN NRIM Banks Regional median
Dividend yield 1.80% 2.76% 2.49%
Payout ratio 0.22 0.26 0.29

Size

Metric CBAN NRIM Banks Regional median
Market cap 546.77m 524.31m 934.85m

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