Northrim BanCorp Inc (NRIM) vs Grupo Supervielle S.A. (SUPV)

Northrim BanCorp Inc and Grupo Supervielle S.A. are both Banks Regional companies. Northrim BanCorp Inc and Grupo Supervielle S.A. are of similar size ($568.4M and $544.4M). Grupo Supervielle S.A. has negative trailing earnings, so its P/E is not meaningful; Northrim BanCorp Inc trades at 8.1×. Northrim BanCorp Inc grew revenue faster over the last twelve months: 18.6% against 10.2%. Northrim BanCorp Inc has the higher net margin (26.0% vs −3.62%) and the higher return on invested capital (22.7% vs 0.00%). Across the 18 metrics below, Northrim BanCorp Inc leads on 14 and Grupo Supervielle S.A. on 4.

Valuation

Metric NRIM SUPV Banks Regional median
P/E 8.06 n/m 12.15
P/S 2.11 0.38 2.37
P/B 1.60 0.77 1.21
Price to free cash flow 3.00 24.84 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.72 (0.16) 2.27
Earnings yield 12.41% (8.70%) 8.11%
Free cash flow yield 33.33% 4.03% 8.98%

Profitability

Metric NRIM SUPV Banks Regional median
Gross margin 84.21% 54.65% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.03% (3.62%) 18.66%
Free cash flow margin 70.70% 1.51% 21.18%
Return on equity 21.49% (7.34%) 10.64%
Return on assets 2.06% (1.06%) 1.13%
Return on invested capital 22.73% 0.00% 8.33%

Growth

Metric NRIM SUPV Banks Regional median
Revenue growth (TTM) 18.64% 10.24% 6.61%
EPS growth (last fiscal year) 73.41% (128.85%) —
Revenue growth, 5-year CAGR 12.79% 8.30% 12.30%
Net income growth, 5-year CAGR 14.46% 0.00% 9.71%

Health

Metric NRIM SUPV Banks Regional median
Debt to equity 0.23 0.09 0.22
Current ratio 0.94 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric NRIM SUPV Banks Regional median
Dividend yield 5.14% — 3.75%
Payout ratio 0.43 0.00 0.27

Size

Metric NRIM SUPV Banks Regional median
Market cap 544.42m 568.38m 921.07m

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