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Civista Bancshares, Inc. (CIVB) vs Northrim BanCorp Inc (NRIM)

Civista Bancshares, Inc. and Northrim BanCorp Inc are both Banks Regional companies. Civista Bancshares, Inc. and Northrim BanCorp Inc are of similar size ($558.0M and $543.4M). Northrim BanCorp Inc trades at the lower P/E: 7.6× against 9.9×. Northrim BanCorp Inc grew revenue faster over the last twelve months: 18.6% against 4.71%. Northrim BanCorp Inc has the higher net margin (26.0% vs 20.7%) and the higher return on invested capital (22.7% vs 5.57%). Both pay a dividend; Northrim BanCorp Inc yields more (2.76% vs 2.64%). Across the 19 metrics below, Northrim BanCorp Inc leads on 16 and Civista Bancshares, Inc. on 3.

Valuation

Metric CIVB NRIM Banks Regional median
P/E 9.94 7.60 11.98
P/S 2.13 1.99 2.34
P/B 0.98 1.51 1.19
Price to free cash flow 9.73 2.83 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.06% 13.16% 8.23%
Free cash flow yield 10.27% 35.35% 9.08%

Profitability

Metric CIVB NRIM Banks Regional median
Gross margin 70.94% 84.21% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.73% 26.03% 18.66%
Free cash flow margin 21.86% 70.70% 21.11%
Return on equity 11.16% 21.49% 10.65%
Return on assets 1.28% 2.06% 1.13%
Return on invested capital 5.57% 22.73% 8.35%

Growth

Metric CIVB NRIM Banks Regional median
Revenue growth (TTM) 4.71% 18.64% 6.98%
EPS growth (last fiscal year) 31.34% 73.41% 18.88%
Revenue growth, 5-year CAGR 14.77% 12.79% 12.38%
Net income growth, 5-year CAGR 7.49% 14.46% 9.71%

Health

Metric CIVB NRIM Banks Regional median
Debt to equity 0.41 0.23 0.22
Current ratio 0.95 0.94 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CIVB NRIM Banks Regional median
Dividend yield 2.64% 2.76% 2.57%
Payout ratio 0.26 0.21 0.30

Size

Metric CIVB NRIM Banks Regional median
Market cap 558.04m 543.44m 913.33m

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