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Northrim BanCorp Inc (NRIM) vs Orange County Bancorp, Inc. (OBT)

Northrim BanCorp Inc and Orange County Bancorp, Inc. are both Banks Regional companies. Northrim BanCorp Inc and Orange County Bancorp, Inc. are of similar size ($534.6M and $524.3M). Northrim BanCorp Inc trades at the lower P/E: 9.4× against 11.2×. Orange County Bancorp, Inc. grew revenue faster over the last twelve months: 3.32% against 3.16%. Orange County Bancorp, Inc. has the higher net margin (30.8% vs 21.8%) and the higher return on invested capital (523.6% vs 25.2%). Both pay a dividend; Northrim BanCorp Inc yields more (2.76% vs 1.81%). Across the 19 metrics below, Northrim BanCorp Inc leads on 10 and Orange County Bancorp, Inc. on 9.

Valuation

Metric NRIM OBT Banks Regional median
P/E 9.37 11.21 12.02
P/S 2.04 3.46 2.36
P/B 1.47 1.74 1.23
Price to free cash flow 6.45 8.23 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.67% 8.92% 8.21%
Free cash flow yield 15.50% 12.14% 9.23%

Profitability

Metric NRIM OBT Banks Regional median
Gross margin 83.90% 82.32% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.83% 30.80% 18.82%
Free cash flow margin 32.04% 42.03% 17.97%
Return on equity 16.63% 16.95% 10.28%
Return on assets 1.62% 1.75% 1.13%
Return on invested capital 25.15% 523.60% 8.45%

Growth

Metric NRIM OBT Banks Regional median
Revenue growth (TTM) 3.16% 3.32% 6.37%
EPS growth (last fiscal year) 73.41% 34.82% 18.85%
Revenue growth, 5-year CAGR 12.79% 19.50% 12.65%
Net income growth, 5-year CAGR 14.46% 28.93% 9.81%

Health

Metric NRIM OBT Banks Regional median
Debt to equity 0.23 0.11 0.17
Current ratio 0.94 0.93 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric NRIM OBT Banks Regional median
Dividend yield 2.76% 1.81% 2.49%
Payout ratio 0.26 0.20 0.29

Size

Metric NRIM OBT Banks Regional median
Market cap 524.31m 534.57m 934.85m

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