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Farmers & Merchants Bancorp Inc. (FMAO) vs Northrim BanCorp Inc (NRIM)

Farmers & Merchants Bancorp Inc. and Northrim BanCorp Inc are both Banks Regional companies. Farmers & Merchants Bancorp Inc. and Northrim BanCorp Inc are of similar size ($524.3M and $500.5M). Northrim BanCorp Inc trades at the lower P/E: 9.4× against 11.6×. Farmers & Merchants Bancorp Inc. grew revenue faster over the last twelve months: 7.05% against 3.16%. Northrim BanCorp Inc has the higher net margin (21.8% vs 21.0%) and the higher return on invested capital (25.2% vs 9.71%). Both pay a dividend; Northrim BanCorp Inc yields more (2.76% vs 2.56%). Across the 19 metrics below, Northrim BanCorp Inc leads on 15 and Farmers & Merchants Bancorp Inc. on 4.

Valuation

Metric FMAO NRIM Banks Regional median
P/E 11.64 9.37 12.02
P/S 2.46 2.04 2.36
P/B 1.28 1.47 1.23
Price to free cash flow 10.62 6.45 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.59% 10.67% 8.21%
Free cash flow yield 9.42% 15.50% 9.23%

Profitability

Metric FMAO NRIM Banks Regional median
Gross margin 66.87% 83.90% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.04% 21.83% 18.82%
Free cash flow margin 23.21% 32.04% 17.97%
Return on equity 11.27% 16.63% 10.28%
Return on assets 1.21% 1.62% 1.13%
Return on invested capital 9.71% 25.15% 8.45%

Growth

Metric FMAO NRIM Banks Regional median
Revenue growth (TTM) 7.05% 3.16% 6.37%
EPS growth (last fiscal year) 27.89% 73.41% 18.85%
Revenue growth, 5-year CAGR 17.00% 12.79% 12.65%
Net income growth, 5-year CAGR 10.53% 14.46% 9.81%

Health

Metric FMAO NRIM Banks Regional median
Debt to equity 0.43 0.23 0.17
Current ratio 0.96 0.94 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FMAO NRIM Banks Regional median
Dividend yield 2.56% 2.76% 2.49%
Payout ratio 0.30 0.26 0.29

Size

Metric FMAO NRIM Banks Regional median
Market cap 500.49m 524.31m 934.85m

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