Head to Head Survey: Columbia Financial (NASDAQ:CLBK) vs. Northrim BanCorp (NASDAQ:NRIM)

Columbia Financial (NASDAQ:CLBK) and Northrim BanCorp (NASDAQ:NRIM) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their profitability, risk, earnings, analyst recommendations, valuation, dividends and institutional ownership.

Earnings and Valuation

This table compares Columbia Financial and Northrim BanCorp’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Columbia Financial $247.98 million 7.77 $22.74 million N/A N/A
Northrim BanCorp $96.34 million 2.67 $20.00 million $2.86 13.77

Columbia Financial has higher revenue and earnings than Northrim BanCorp.

Volatility and Risk

Columbia Financial has a beta of 0.47, meaning that its share price is 53% less volatile than the S&P 500. Comparatively, Northrim BanCorp has a beta of 0.79, meaning that its share price is 21% less volatile than the S&P 500.

Analyst Ratings

This is a summary of current recommendations and price targets for Columbia Financial and Northrim BanCorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Columbia Financial 0 1 0 0 2.00
Northrim BanCorp 0 0 0 0 N/A

Columbia Financial currently has a consensus target price of $15.50, suggesting a potential downside of 8.12%. Given Columbia Financial’s higher possible upside, research analysts clearly believe Columbia Financial is more favorable than Northrim BanCorp.

Profitability

This table compares Columbia Financial and Northrim BanCorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Columbia Financial 19.93% 5.62% 0.81%
Northrim BanCorp 20.05% 10.16% 1.35%

Insider and Institutional Ownership

16.9% of Columbia Financial shares are owned by institutional investors. Comparatively, 71.7% of Northrim BanCorp shares are owned by institutional investors. 0.7% of Columbia Financial shares are owned by company insiders. Comparatively, 2.2% of Northrim BanCorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Summary

Northrim BanCorp beats Columbia Financial on 6 of the 11 factors compared between the two stocks.

About Columbia Financial

Columbia Financial, Inc. operates as the bank holding company for Columbia Bank that provides financial services to businesses and consumers in the United States. The company offers non-interest bearing demand deposits, such as individual checking and commercial checking accounts; interest-bearing demand accounts comprising interest earning checking accounts and municipal accounts; and savings and club accounts, money market accounts, and certificates of deposit. It also provides loans, including commercial real estate and multifamily loans, one- to four-family residential loans, commercial business loans, construction loans, home equity loans and advances, and other consumer loans. In addition, the company offers title insurance products; and wealth management services. It operates 50 full-service banking offices in 10 of New Jersey's 21 counties. The company was founded in 1927 and is headquartered in Fair Lawn, New Jersey. Columbia Financial, Inc. is a subsidiary of Columbia Bank MHC.

About Northrim BanCorp

Northrim BanCorp, Inc. operates as the bank holding company for Northrim Bank that provides commercial banking products and services to businesses and professional individuals in Alaska. It operates in two segments, Community Banking and Home Mortgage Lending. The company offers noninterest-bearing checking accounts and interest-bearing time deposits, checking and savings accounts, money market deposit accounts, certificates of deposit, and courier noncash deposits. It also provides family residential mortgages; commercial loans, such as secured and unsecured loans for working capital and expansion; commercial real estate loans; construction loans for commercial real estate projects, and land development and residential subdivision construction loans; and loans for automobiles, recreational vehicles, boats, and other consumer purchases, as well as home equity and commercial credit lines, and factoring services. In addition, the company offers other services that include consumer online banking, mobile app and mobile deposit, mobile Web and text banking, business online banking, personal finance, online documents, consumer and business debit cards, home equity advantage access cards, and telebanking and automated teller services. Further, it provides personalized checks, overdraft protection for savings accounts, commercial drive-up banking services, automatic transfers and payments, People Pay services, external and wire transfers, bill pay services, direct payroll deposits, electronic tax payments, automated clearing house origination and receipt services, remote deposit capture services, account reconciliation and positive pay services, merchant and cash management programs, annuity products, and long term investment portfolios. As of January 28, 2019, the company operated 15 branches in Anchorage, the Matanuska Valley, Juneau, Fairbanks, Ketchikan, and Sitka. Northrim BanCorp, Inc. was founded in 1990 and is headquartered in Anchorage, Alaska.

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