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Northrim BanCorp Inc (NRIM) vs Ponce Financial Group, Inc. (PDLB)

Northrim BanCorp Inc and Ponce Financial Group, Inc. are both Banks Regional companies. Northrim BanCorp Inc and Ponce Financial Group, Inc. are of similar size ($528.0M and $524.3M). Northrim BanCorp Inc trades at the lower P/E: 9.4× against 11.3×. Ponce Financial Group, Inc. grew revenue faster over the last twelve months: 14.4% against 3.16%. Northrim BanCorp Inc has the higher net margin (21.8% vs 20.7%) and the higher return on invested capital (25.2% vs 2.67%). Across the 18 metrics below, Northrim BanCorp Inc leads on 11 and Ponce Financial Group, Inc. on 7.

Valuation

Metric NRIM PDLB Banks Regional median
P/E 9.37 11.33 12.02
P/S 2.04 2.35 2.36
P/B 1.47 1.43 1.23
Price to free cash flow 6.45 7.19 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.67% 8.83% 8.21%
Free cash flow yield 15.50% 13.92% 9.23%

Profitability

Metric NRIM PDLB Banks Regional median
Gross margin 83.90% 59.71% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.83% 20.69% 18.82%
Free cash flow margin 32.04% 32.74% 17.97%
Return on equity 16.63% 13.49% 10.28%
Return on assets 1.62% 1.30% 1.13%
Return on invested capital 25.15% 2.67% 8.45%

Growth

Metric NRIM PDLB Banks Regional median
Revenue growth (TTM) 3.16% 14.35% 6.37%
EPS growth (last fiscal year) 73.41% 160.87% 18.85%
Revenue growth, 5-year CAGR 12.79% 23.97% 12.65%
Net income growth, 5-year CAGR 14.46% 48.24% 9.81%

Health

Metric NRIM PDLB Banks Regional median
Debt to equity 0.23 1.20 0.17
Current ratio 0.94 1.34 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric NRIM PDLB Banks Regional median
Dividend yield 2.76% — 2.49%
Payout ratio 0.26 — 0.29

Size

Metric NRIM PDLB Banks Regional median
Market cap 524.31m 528.02m 934.85m

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