Review of Northrim BanCorp (NASDAQ:NRIM) and First Northern Community Bancorp (OTCMKTS:FNRN)


Northrim Ban Corp (NASDAQ: NRIMGet a rating) and First Northern Community Bancorp (OTCMKTS: FNRNGet a rating) are both small cap finance companies, but which stock is superior? We will compare the two companies based on their risk strength, dividends, institutional ownership, valuation, analyst recommendations, profitability and earnings.

Profitability

This table compares the net margins, return on equity and return on assets of Northrim BanCorp and First Northern Community Bancorp.

Net margins Return on equity return on assets
Northrim BanCorp 24.81% 13.81% 1.25%
First Northern Community Bancorp 25.26% 9.46% 0.74%

Analyst Recommendations

This is a summary of recent recommendations and price targets for Northrim BanCorp and First Northern Community Bancorp, as reported by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Northrim BanCorp 0 0 1 0 3.00
First Northern Community Bancorp 0 0 0 0 N / A

Volatility and risk

Northrim BanCorp has a beta of 0.71, suggesting its stock price is 29% less volatile than the S&P 500. In comparison, First Northern Community Bancorp has a beta of 0.56, suggesting its stock price is its stock is 44% less volatile than the S&P 500.

Insider and Institutional Ownership

69.5% of Northrim BanCorp shares are held by institutional investors. By comparison, 9.2% of First Northern Community Bancorp’s shares are held by institutional investors. 3.5% of Northrim BanCorp shares are held by insiders of the company. By comparison, 11.1% of the shares of First Northern Community Bancorp are held by insiders of the company. Strong institutional ownership is an indication that endowments, hedge funds, and large money managers believe a company is poised for long-term growth.

Valuation and benefits

This table compares the revenue, earnings per share (EPS), and valuation of Northrim BanCorp and First Northern Community Bancorp.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Northrim BanCorp $136.87 million 1.67 $37.52 million $5.26 7.45
First Northern Community Bancorp $55.04 million 2.40 $14.19 million $0.98 9.68

Northrim BanCorp has higher revenue and profit than First Northern Community Bancorp. Northrim BanCorp trades at a lower price-to-earnings ratio than First Northern Community Bancorp, indicating that it is currently the more affordable of the two stocks.

Summary

Northrim BanCorp beats First Northern Community Bancorp on 8 out of 12 factors compared between the two stocks.

Northrim BanCorp Company Profile (Get a rating)

Northrim BanCorp, Inc. operates as a bank holding company for Northrim Bank which provides commercial banking products and services to businesses and professionals. It operates in two segments, Community Banking and Home Mortgage Lending. The Company offers non-interest bearing checking accounts and interest bearing term deposits, checking and savings accounts, individual retirement and money market accounts, certificates of deposit and business transfer accounts. It also offers short and medium-term commercial loans, commercial lines of credit, construction and real estate loans, consumer loans, as well as short-term working capital. In addition, the Company offers other services including online banking for individuals and businesses, mobile applications and mobile deposits; and debit and credit cards. Additionally, it provides web and mobile text banking, consumer online account opening, personal finance, online documents, consumer debit cards, business debit cards, my card rewards Consumer Debit, Retail Vault, Card Check, Corporate Employee Purchasing Cards, Home Equity Advantage. access cards, telebanking and ATM services. In addition, the company offers personalized checks at account opening, overdraft protection from a savings account, commercial banking services, automatic transfers and payments, People Pay, external transfer, Bill Pay , Wire Transfer, Payroll Direct Deposit, Electronic Tax Payment, Automated Clearing House Origination and Receipt, Remote Deposit Capture, Account Reconciliation and Positive Payout, Merchant, Cash Management, Annuity, and Cash Management Products and Services long-term investment portfolio. It also provides investment advisory, trust, wealth management, factoring and mortgage brokerage services. As of January 28, 2022, the company operated 17 branches in Anchorage, Matanuska Valley, Soldotna, Juneau, Fairbanks, Ketchikan and Sitka. Northrim BanCorp, Inc. was founded in 1990 and is headquartered in Anchorage, Alaska.

Company Profile First Northern Community Bancorp (Get a rating)

Northern Community Bancorp's first logoFirst Northern Community Bancorp operates as a bank holding company for First Northern Bank of Dixon which provides commercial banking products and services to individuals and small and medium sized businesses. The company accepts demand deposits, interest-bearing transaction deposits, savings and money market accounts, and term deposits. Its loan portfolio includes commercial loans, commercial real estate, agriculture, residential mortgages, residential construction and consumer loans. The company also offers credit cards; investment and brokerage services; alternative investment products and fiduciary and other financial services; and equipment rental, merchant card processing, payroll and international banking through third parties. In addition, it offers the services of issuing cashiers checks, renting safe deposit boxes and other usual banking services. The company operates eleven full-service branches located in the cities of Auburn, Davis, Dixon, Fairfield, Rancho Cordova, Roseville, Sacramento, Vacaville, West Sacramento, Winters, and Woodland; a satellite banking office inside a retirement community in the city of Davis; a residential mortgage office in Davis; and a commercial loan office in the town of Walnut Creek, Contra Costa County. First Northern Community Bancorp was founded in 1910 and is headquartered in Dixon, California.



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