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Greene County Bancorp, Inc. (GCBC) vs Northrim BanCorp Inc (NRIM)

Greene County Bancorp, Inc. and Northrim BanCorp Inc are both Banks Regional companies. Greene County Bancorp, Inc. and Northrim BanCorp Inc are of similar size ($583.1M and $543.4M). Northrim BanCorp Inc trades at the lower P/E: 7.6× against 14.3×. Northrim BanCorp Inc grew revenue faster over the last twelve months: 18.6% against 9.67%. Greene County Bancorp, Inc. has the higher net margin (28.1% vs 26.0%) and the lower return on invested capital (21.0% vs 22.7%). Both pay a dividend; Northrim BanCorp Inc yields more (2.76% vs 1.19%). Across the 19 metrics below, Northrim BanCorp Inc leads on 16 and Greene County Bancorp, Inc. on 3.

Valuation

Metric GCBC NRIM Banks Regional median
P/E 14.31 7.60 11.98
P/S 4.03 1.99 2.34
P/B 2.11 1.51 1.19
Price to free cash flow 14.13 2.83 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.99% 13.16% 8.23%
Free cash flow yield 7.08% 35.35% 9.08%

Profitability

Metric GCBC NRIM Banks Regional median
Gross margin 63.50% 84.21% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 28.14% 26.03% 18.66%
Free cash flow margin 28.50% 70.70% 21.11%
Return on equity 15.88% 21.49% 10.65%
Return on assets 1.32% 2.06% 1.13%
Return on invested capital 21.04% 22.73% 8.35%

Growth

Metric GCBC NRIM Banks Regional median
Revenue growth (TTM) 9.67% 18.64% 6.98%
EPS growth (last fiscal year) 31.69% 73.41% 18.88%
Revenue growth, 5-year CAGR 16.48% 12.79% 12.38%
Net income growth, 5-year CAGR 11.37% 14.46% 9.71%

Health

Metric GCBC NRIM Banks Regional median
Debt to equity 0.02 0.23 0.22
Current ratio 0.65 0.94 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric GCBC NRIM Banks Regional median
Dividend yield 1.19% 2.76% 2.57%
Payout ratio 0.17 0.21 0.30

Size

Metric GCBC NRIM Banks Regional median
Market cap 583.12m 543.44m 913.33m

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