Northrim BanCorp Inc (NRIM)vsU.S. Bancorp (USB)
NRIM
Northrim BanCorp Inc
$23.98
+1.01%
FINANCIAL SERVICES · Cap: $530.76M
USB
U.S. Bancorp
$59.60
-0.23%
FINANCIAL SERVICES · Cap: $91.50B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 13652% more annual revenue ($27.89B vs $202.78M). USB leads profitability with a 30.0% profit margin vs 27.6%. NRIM trades at a lower P/E of 9.7x. USB earns a higher WallStSmart Score of 73/100 (B).
NRIM
Buy56
out of 100
Grade: C
USB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.1%
Keeps 28 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Large-cap with strong market position
Reasonable price relative to book value
Generating 4.8B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Revenue declined 20.0%
Earnings declined 47.5%
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NRIM
The strongest argument for NRIM centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.6% and operating margin at 37.1%.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%.
Bear Case : NRIM
The primary concerns for NRIM are Market Cap, Revenue Growth, EPS Growth.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
NRIM profiles as a declining stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
USB is growing revenue faster at 8.4% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (73/100 vs 56/100), backed by strong 30.0% 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.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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