NRIM vs PDLB: stock comparison and AI forecast
Northrim Bancorp Inc (NRIM) and Ponce Financial Group, Inc. (PDLB) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
NRIM Northrim Bancorp Inc
- Price
- $24.26 +1.2% · 6M
- Market Cap
- $540M
- P/E Ratio
- 13.1x
- Size
- small-cap
- AI Forecast
PDLB Ponce Financial Group, Inc.
- Price
- $22.49 +28.8% · 6M
- Market Cap
- $544M
- P/E Ratio
- 17.3x
- Size
- small-cap
- AI Forecast
- NO CURRENT FORECAST
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- NRIM and PDLB have similar market capitalizations ($540M and $544M).
- NRIM trades at 13.1 times trailing earnings, PDLB at 17.3 times.
- Over the last six months PDLB returned +28.8% and NRIM +1.2%.
- PDLB turns 29.7% of its revenue into net income, against 21.9% for NRIM.
- NRIM carries 9.05 times debt per unit of equity, against 5.23 times for PDLB.
- NRIM yields 2.75% in dividends; PDLB pays none.
- Both companies share the SEC industry classification Savings Institution, Federally Chartered.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | NRIM | PDLB |
|---|---|---|
| Market Cap | $540M | $544M |
| P/E Ratio | 13.05x | 17.30x |
| P/B Ratio | 1.52x | 0.97x |
| Dividend Yield | 2.75% | – |
| EPS | $1.86 | $1.30 |
| Book Value/Share | $16.01 | $23.19 |
| Revenue/Share | $11.45 | $4.70 |
| FCF/Share | $3.68 | $2.38 |
Profitability & Margins
| Metric | NRIM | PDLB |
|---|---|---|
| ROE | 15.7% | 6.0% |
| ROA | 1.6% | 1.0% |
| Gross Margin | 79.1% | – |
| Net Margin | 21.9% | 29.7% |
| EBT Margin | 28.9% | 39.7% |
| Tax Rate | 24.0% | 25.2% |
Financial Health
| Metric | NRIM | PDLB |
|---|---|---|
| D/E Ratio | 9.05x | 5.23x |
| Financial Leverage | 10.05x | 6.23x |
Cash Flow
| Metric | NRIM | PDLB |
|---|---|---|
| Operating Cash Flow | $88M | $58M |
| Free Cash Flow | $82M | $58M |
| Capital Spending | -$6M | -$620K |
| OCF Growth YoY | -37.2% | 111.3% |
| FCF Growth YoY | -40.8% | 119.3% |
| FCF/Sales | 32.1% | 50.7% |
| CapEx/Sales | 2.5% | 0.6% |
Operational Efficiency
| Metric | NRIM | PDLB |
|---|---|---|
| Asset Turnover | 0.07x | 0.03x |
| Receivables Turnover | 2.5x | – |
| Fixed Assets Turnover | 6.2x | 7.8x |
| Days Sales Outstanding | 146 days | – |
Income Statement
| Metric | NRIM | PDLB |
|---|---|---|
| Total Revenue | $255M | $114M |
| Net Income | $56M | $34M |
| Cost of Goods Sold | $53M | – |
Dividend & Shareholder Information
| Metric | NRIM | PDLB |
|---|---|---|
| Dividends Per Share | $0.67 | – |
| Payout Ratio | 36.0% | – |
| Shares Outstanding | 22M | 24M |
| Net Income Growth | -11.5% | 93.8% |
| EPS Growth | -33.6% | 128.1% |
NRIM vs PDLB: stock comparison and AI forecast
Which is bigger, NRIM or PDLB?
NRIM and PDLB have similar market capitalizations ($540M and $544M).
Which is cheaper on earnings, NRIM or PDLB?
NRIM trades at 13.1 times trailing earnings, PDLB at 17.3 times.
Which stock performed better over the last six months, NRIM or PDLB?
Over the last six months PDLB returned +28.8% and NRIM +1.2%.
Which one does Intratio's AI model rank higher, NRIM or PDLB?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.