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First Business Financial Services, Inc. (FBIZ) vs Northrim BanCorp Inc (NRIM)

First Business Financial Services, Inc. and Northrim BanCorp Inc are both Banks Regional companies. First Business Financial Services, Inc. and Northrim BanCorp Inc are of similar size ($586.5M and $543.4M). Northrim BanCorp Inc trades at the lower P/E: 7.6× against 10.7×. Northrim BanCorp Inc grew revenue faster over the last twelve months: 18.6% against 6.56%. Northrim BanCorp Inc has the higher net margin (26.0% vs 18.6%) and the higher return on invested capital (22.7% vs 7.15%). Both pay a dividend; Northrim BanCorp Inc yields more (2.76% vs 1.86%). Across the 19 metrics below, Northrim BanCorp Inc leads on 16 and First Business Financial Services, Inc. on 3.

Valuation

Metric FBIZ NRIM Banks Regional median
P/E 10.75 7.60 11.98
P/S 2.01 1.99 2.34
P/B 1.51 1.51 1.19
Price to free cash flow 7.15 2.83 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.30% 13.16% 8.23%
Free cash flow yield 13.99% 35.35% 9.08%

Profitability

Metric FBIZ NRIM Banks Regional median
Gross margin 61.75% 84.21% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.64% 26.03% 18.66%
Free cash flow margin 28.12% 70.70% 21.11%
Return on equity 14.99% 21.49% 10.65%
Return on assets 1.28% 2.06% 1.13%
Return on invested capital 7.15% 22.73% 8.35%

Growth

Metric FBIZ NRIM Banks Regional median
Revenue growth (TTM) 6.56% 18.64% 6.98%
EPS growth (last fiscal year) 14.23% 73.41% 18.88%
Revenue growth, 5-year CAGR 18.18% 12.79% 12.38%
Net income growth, 5-year CAGR 23.98% 14.46% 9.71%

Health

Metric FBIZ NRIM Banks Regional median
Debt to equity 0.88 0.23 0.22
Current ratio 1.06 0.94 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FBIZ NRIM Banks Regional median
Dividend yield 1.86% 2.76% 2.57%
Payout ratio 0.20 0.21 0.30

Size

Metric FBIZ NRIM Banks Regional median
Market cap 586.45m 543.44m 913.33m

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