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Citizens & Northern Corp (CZNC) vs Northrim BanCorp Inc (NRIM)

Citizens & Northern Corp and Northrim BanCorp Inc are both Banks Regional companies. Citizens & Northern Corp and Northrim BanCorp Inc are of similar size ($524.3M and $507.1M). Northrim BanCorp Inc trades at the lower P/E: 9.4× against 14.1×. Citizens & Northern Corp grew revenue faster over the last twelve months: 25.1% against 3.16%. Northrim BanCorp Inc has the higher net margin (21.8% vs 17.4%) and the higher return on invested capital (25.2% vs 11.2%). Both pay a dividend; Citizens & Northern Corp yields more (4.08% vs 2.77%). Across the 19 metrics below, Northrim BanCorp Inc leads on 15 and Citizens & Northern Corp on 4.

Valuation

Metric CZNC NRIM Banks Regional median
P/E 14.13 9.35 11.87
P/S 2.46 2.04 2.35
P/B 1.45 1.47 1.23
Price to free cash flow 9.57 6.45 10.45
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.08% 10.69% 8.34%
Free cash flow yield 10.45% 15.50% 9.37%

Profitability

Metric CZNC NRIM Banks Regional median
Gross margin 75.65% 83.90% 69.92%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.39% 21.83% 18.99%
Free cash flow margin 25.74% 31.96% 18.19%
Return on equity 11.00% 16.63% 10.45%
Return on assets 1.21% 1.62% 1.15%
Return on invested capital 11.19% 25.15% 8.54%

Growth

Metric CZNC NRIM Banks Regional median
Revenue growth (TTM) 25.09% 3.16% 6.56%
EPS growth (last fiscal year) (13.61%) 73.41% 18.85%
Revenue growth, 5-year CAGR 10.84% 12.79% 12.65%
Net income growth, 5-year CAGR 4.00% 14.46% 9.81%

Health

Metric CZNC NRIM Banks Regional median
Debt to equity 0.00 0.23 0.14
Current ratio 0.91 0.94 0.92
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CZNC NRIM Banks Regional median
Dividend yield 4.08% 2.77% 2.51%
Payout ratio 0.58 0.26 0.30

Size

Metric CZNC NRIM Banks Regional median
Market cap 507.11m 524.31m 915.17m

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