Comparing Northrim BanCorp (NASDAQ:NRIM) and First National of Nebraska (OTCMKTS:FINN)

Northrim BanCorp (NASDAQ:NRIM) and First National of Nebraska (OTCMKTS:FINN) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their earnings, risk, institutional ownership, dividends, profitability, valuation and analyst recommendations.

Profitability

This table compares Northrim BanCorp and First National of Nebraska’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Northrim BanCorp	24.91%	16.99%	1.63%
First National of Nebraska	N/A	N/A	N/A

Valuation and Earnings

This table compares Northrim BanCorp and First National of Nebraska”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Northrim BanCorp	$255.58 million	2.39	$64.61 million	$2.88	9.54
First National of Nebraska	$3.35 billion	1.53	$532.96 million	N/A	N/A

First National of Nebraska has higher revenue and earnings than Northrim BanCorp.

Institutional and Insider Ownership

66.0% of Northrim BanCorp shares are held by institutional investors. Comparatively, 0.7% of First National of Nebraska shares are held by institutional investors. 2.4% of Northrim BanCorp shares are held by insiders. Comparatively, 41.7% of First National of Nebraska shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Northrim BanCorp and First National of Nebraska, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Northrim BanCorp	0	2	2	0	2.50
First National of Nebraska	0	0	0	0	0.00

Northrim BanCorp currently has a consensus price target of $31.50, indicating a potential upside of 14.63%. Given Northrim BanCorp’s stronger consensus rating and higher probable upside, equities research analysts clearly believe Northrim BanCorp is more favorable than First National of Nebraska.

Risk and Volatility

Northrim BanCorp has a beta of 0.86, indicating that its stock price is 14% less volatile than the S&P 500. Comparatively, First National of Nebraska has a beta of 0.16, indicating that its stock price is 84% less volatile than the S&P 500.

Dividends

Northrim BanCorp pays an annual dividend of $0.64 per share and has a dividend yield of 2.3%. First National of Nebraska pays an annual dividend of $160.00 per share and has a dividend yield of 0.8%. Northrim BanCorp pays out 22.2% of its earnings in the form of a dividend. Northrim BanCorp has raised its dividend for 16 consecutive years. Northrim BanCorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

Northrim BanCorp beats First National of Nebraska on 11 of the 15 factors compared between the two stocks.

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. It operates through two segments, Community Banking and Home Mortgage Lending. The company offers noninterest-bearing checking accounts and interest-bearing time deposits, checking and savings accounts, individual retirement and money market deposit accounts, certificates of deposit, and business sweep accounts. It also provides short and medium-term commercial loans, commercial credit lines, construction and real estate loans, and consumer loans, as well as short-term working capital. In addition, the company offers other services comprising consumer and business online banking, mobile app, and mobile deposits; and debit and credit cards. Further, it provides mobile web and app banking, consumer online account opening, personal finance, online documents, consumer debit cards, business debit cards, my rewards for consumer debit cards, retail lockbox, card control, corporate purchase cards, integrated payables, home equity advantage access cards, telebanking, and automated teller services. Additionally, the company offers personalized checks at account opening, overdraft protection from a savings account, commercial drive-up banking, automatic transfer and payment, People Pay, external transfer, Bill Pay, wire transfer, direct payroll deposit, electronic tax payment, Automated Clearing House origination and receipt, remote deposit capture, account reconciliation and positive pay, merchant, cash management, annuity, and long-term investment portfolio products and services. It also provides investment advisory, trust, wealth management, factoring, and mortgage services. The company was founded in 1990 and is headquartered in Anchorage, Alaska.

About First National of Nebraska

First National of Nebraska, Inc. operates as the bank holding company for First National Bank of Omaha that provides various banking products and services. The company offers checking, savings, and individual retirement accounts; certificates of deposit; and credit cards. It also provides personal loans and lines of credit; auto loans; mortgage loans; home equity lines of credit and loans; small business loans and lines of credit; small business administration loans; and commercial lending solutions. In addition, the company offers treasury management, debt consolidation, financial planning, retirement planning, wealth management, merchant, and payroll services; and personal, commercial, and farm insurance products. Further, it provides solutions for agribusiness, commercial real estate, healthcare, transportation, and correspondent banking; investment services, such as capital market and institutional asset management; and digital banking services. First National of Nebraska, Inc. was founded in 1857 and is headquartered in Omaha, Nebraska.