Columbia Financial vs Northrim Bancorp
CLBK and NRIM side by side, both in savings institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CLBK and NRIM compare
Columbia Financial is the larger company, worth 5.6 times as much as Northrim Bancorp ($3.0B against $533M).
On earnings, Northrim Bancorp is cheaper: it trades at 9.7× trailing earnings, against 25.4× for Columbia Financial.
Columbia Financial grew revenue faster over the last twelve months (45.9% versus 3.2% for Northrim Bancorp).
Northrim Bancorp keeps more of each dollar of sales as profit, with a net margin of 21.8% compared with 15.6% at Columbia Financial.
Both pay dividends: Columbia Financial yields 0.90% and Northrim Bancorp 2.7%.
Northrim Bancorp scores higher on the StockData Score (17 against 8 for Columbia Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CLBK | NRIM |
|---|---|---|
| Size and price | ||
| Market cap | $3.0B | $533M |
| Share price | $11.16 | $23.94 |
| Change, 1 year | 61.1% | 1.9% |
| Change, 5 years | 29.4% | 114% |
| Beta (5Y) | 0.40 | 0.72 |
| Employees | 796 | 516 |
| StockData Score | ||
| Total score | 8 | 17 (better) |
| Valuation score | 1 | 3 (better) |
| Growth score | 2 | 2 |
| Performance score | 0 | 4 (better) |
| Health score | 4 | 4 |
| Dividend score | 1 | 4 (better) |
| Valuation | ||
| P/E | 25.4× | 9.7× (better) |
| P/S | 9.7× | 2.1× (better) |
| P/B | 0.9× (better) | 1.5× |
| P/FCF | 34.1× | 6.5× (better) |
| PEG | – | 0.33 |
| FCF yield | 2.9% | 15.4% (better) |
| Fair value | $8.71 | $24.25 |
| Margin of safety | −28.1% | 1.3% (better) |
| Growth | ||
| Revenue growth (TTM) | 45.9% (better) | 3.2% |
| Revenue growth, 5Y average | 0.46% | 13.8% (better) |
| Net income growth (TTM) | 227% (better) | −11.5% |
| EPS growth (TTM) | 529% (better) | −12.1% |
| EPS growth, 5Y average | −0.39% | 17.6% (better) |
| Profitability | ||
| Gross margin | – | 79.2% |
| Net margin | 15.6% | 21.8% (better) |
| FCF margin | 28.4% | 32.0% (better) |
| Return on equity | 2.3% | 16.6% (better) |
| Financial health | ||
| Altman Z-score | 0.22 | 0.30 (better) |
| Piotroski F-score | 7 | 7 |
| Dividends and buybacks | ||
| Dividend yield | 0.90% | 2.7% (better) |
| Payout ratio | – | 26.6% |
| Years of dividend growth | – | 15 |
| Dividend growth, 5Y average | – | 13.2% |
| Buyback yield | – | −0.17% |
| Shareholder yield | 0.90% | 2.5% (better) |
| Ownership | ||
| Held by institutions | 13.4% | 74.1% |
| Held by insiders | 1.9% | 2.4% |
| Insider net buying, 12 months | $4.8M (better) | −$410K |
| Short interest, % of float | 7.6% | 5.5% |
Go deeper
- CLBK stock overview
- CLBK income statement
- CLBK valuation and score
- NRIM stock overview
- NRIM income statement
- NRIM valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.