Northrim BanCorp (NRIM) Competitors

First Commonwealth Financial (NYSE:FCF) and Northrim BanCorp (NASDAQ:NRIM) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their valuation, earnings, analyst recommendations, dividends, risk, profitability, community ranking, institutional ownership and media sentiment.

Do analysts recommend FCF or NRIM?

First Commonwealth Financial presently has a consensus target price of $17.70, suggesting a potential upside of 4.55%. Northrim BanCorp has a consensus target price of $96.50, suggesting a potential upside of 26.18%. Given Northrim BanCorp's stronger consensus rating and higher probable upside, analysts clearly believe Northrim BanCorp is more favorable than First Commonwealth Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Commonwealth Financial	0 Sell rating(s)	3 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.40
Northrim BanCorp	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00

Does the MarketBeat Community favor FCF or NRIM?

First Commonwealth Financial received 79 more outperform votes than Northrim BanCorp when rated by MarketBeat users. However, 58.29% of users gave Northrim BanCorp an outperform vote while only 53.60% of users gave First Commonwealth Financial an outperform vote.

Company	Underperform	Outperform
First Commonwealth Financial	Outperform Votes 283 53.60%	Underperform Votes 245 46.40%
Northrim BanCorp	Outperform Votes 204 58.29%	Underperform Votes 146 41.71%

Which has more risk & volatility, FCF or NRIM?

First Commonwealth Financial has a beta of 0.86, meaning that its share price is 14% less volatile than the S&P 500. Comparatively, Northrim BanCorp has a beta of 0.81, meaning that its share price is 19% less volatile than the S&P 500.

Does the media refer more to FCF or NRIM?

In the previous week, First Commonwealth Financial had 9 more articles in the media than Northrim BanCorp. MarketBeat recorded 11 mentions for First Commonwealth Financial and 2 mentions for Northrim BanCorp. First Commonwealth Financial's average media sentiment score of 0.63 beat Northrim BanCorp's score of 0.50 indicating that First Commonwealth Financial is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
First Commonwealth Financial	3 Very Positive mention(s)	1 Positive mention(s)	6 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive
Northrim BanCorp	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is FCF or NRIM more profitable?

First Commonwealth Financial has a net margin of 21.87% compared to Northrim BanCorp's net margin of 17.79%. Northrim BanCorp's return on equity of 13.31% beat First Commonwealth Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Commonwealth Financial	21.87%	11.19%	1.30%
Northrim BanCorp	17.79%	13.31%	1.15%

Which has preferable valuation & earnings, FCF or NRIM?

First Commonwealth Financial has higher revenue and earnings than Northrim BanCorp. First Commonwealth Financial is trading at a lower price-to-earnings ratio than Northrim BanCorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Commonwealth Financial	$477.74M	3.61	$157.06M	$1.48	11.44
Northrim BanCorp	$144.57M	2.91	$25.39M	$5.86	13.05

Is FCF or NRIM a better dividend stock?

First Commonwealth Financial pays an annual dividend of $0.52 per share and has a dividend yield of 3.1%. Northrim BanCorp pays an annual dividend of $2.48 per share and has a dividend yield of 3.2%. First Commonwealth Financial pays out 35.1% of its earnings in the form of a dividend. Northrim BanCorp pays out 42.3% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Northrim BanCorp has increased its dividend for 15 consecutive years. Northrim BanCorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Do institutionals & insiders believe in FCF or NRIM?

72.6% of First Commonwealth Financial shares are owned by institutional investors. Comparatively, 66.0% of Northrim BanCorp shares are owned by institutional investors. 2.0% of First Commonwealth Financial shares are owned by company insiders. Comparatively, 4.1% of Northrim BanCorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Summary

First Commonwealth Financial beats Northrim BanCorp on 12 of the 21 factors compared between the two stocks.