Northrim BanCorp Inc (NRIM)vsRoyal Bank of Canada (RY)
NRIM
Northrim BanCorp Inc
$24.53
+0.41%
FINANCIAL SERVICES · Cap: $556.34M
RY
Royal Bank of Canada
$179.97
+2.71%
FINANCIAL SERVICES · Cap: $250.25B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 29854% more annual revenue ($63.42B vs $211.74M). RY leads profitability with a 33.1% profit margin vs 30.7%. NRIM trades at a lower P/E of 8.7x. RY earns a higher WallStSmart Score of 68/100 (B-).
NRIM
Buy64
out of 100
Grade: C+
RY
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 37.8%
Every $100 of equity generates 21 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Mega-cap, among the largest globally
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Generating 37.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
2.5% earnings growth
Smaller company, higher risk/reward
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : NRIM
The strongest argument for NRIM centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.7% and operating margin at 37.8%.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.1% and operating margin at 46.2%.
Bear Case : NRIM
The primary concerns for NRIM are EPS Growth, Market Cap.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Key Dynamics to Monitor
NRIM carries more volatility with a beta of 0.92 — expect wider price swings.
RY is growing revenue faster at 7.5% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
RY scores higher overall (68/100 vs 64/100), backed by strong 33.1% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Northrim BanCorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Northrim BanCorp, Inc. is the banking holding company for Northrim Bank offering commercial banking products and services to businesses and professionals. The company is headquartered in Anchorage, Alaska.
Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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