NRIM vs WSBF: stock comparison and AI forecast
Northrim Bancorp Inc (NRIM) and Waterstone Financial, Inc. (WSBF) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
NRIM Northrim Bancorp Inc
- Market Cap
- $534M
- P/E Ratio
- 12.9x
- Size
- small-cap
- AI Forecast
WSBF Waterstone Financial, Inc.
- Market Cap
- $359M
- P/E Ratio
- 13.0x
- Size
- small-cap
- AI 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.
Key facts
- NRIM is 1.5 times larger than WSBF by market capitalization ($534M against $359M).
- NRIM trades at 12.9 times trailing earnings, WSBF at 13.0 times.
- NRIM turns 21.9% of its revenue into net income, against 20.0% for WSBF.
- NRIM carries 9.05 times debt per unit of equity, against 5.42 times for WSBF.
- WSBF yields 3.01% in dividends and NRIM 2.78%.
- Both companies share the SEC industry classification Savings Institution, Federally Chartered.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | NRIM | WSBF |
|---|---|---|
| Market Cap | $534M | $359M |
| P/E Ratio | 12.91x | 12.96x |
| P/B Ratio | 1.50x | 1.02x |
| Dividend Yield | 2.78% | 3.01% |
| EPS | $1.86 | $1.54 |
| Book Value/Share | $16.01 | $19.53 |
| Revenue/Share | $11.45 | $8.37 |
| FCF/Share | $3.68 | $2.38 |
Profitability & Margins
| Metric | NRIM | WSBF |
|---|---|---|
| ROE | 15.7% | 8.6% |
| ROA | 1.6% | 1.3% |
| Gross Margin | 79.1% | – |
| Net Margin | 21.9% | 20.0% |
| EBT Margin | 28.9% | 25.3% |
| Tax Rate | 24.0% | 21.0% |
Financial Health
| Metric | NRIM | WSBF |
|---|---|---|
| D/E Ratio | 9.05x | 5.42x |
| Financial Leverage | 10.05x | 6.42x |
Cash Flow
| Metric | NRIM | WSBF |
|---|---|---|
| Operating Cash Flow | $88M | $45M |
| Free Cash Flow | $82M | $43M |
| Capital Spending | -$6M | -$2M |
| OCF Growth YoY | -37.2% | -47.9% |
| FCF Growth YoY | -40.8% | -49.6% |
| FCF/Sales | 32.1% | 28.4% |
| CapEx/Sales | 2.5% | 1.3% |
Operational Efficiency
| Metric | NRIM | WSBF |
|---|---|---|
| Asset Turnover | 0.07x | 0.07x |
| Receivables Turnover | 2.5x | – |
| Fixed Assets Turnover | 6.2x | 8.0x |
| Days Sales Outstanding | 146 days | – |
Income Statement
| Metric | NRIM | WSBF |
|---|---|---|
| Total Revenue | $255M | $150M |
| Net Income | $56M | $30M |
| Cost of Goods Sold | $53M | – |
Dividend & Shareholder Information
| Metric | NRIM | WSBF |
|---|---|---|
| Dividends Per Share | $0.67 | $0.60 |
| Payout Ratio | 36.0% | 39.0% |
| Shares Outstanding | 22M | 18M |
| Net Income Growth | -11.5% | 45.4% |
| EPS Growth | -33.6% | 36.3% |
NRIM vs WSBF: stock comparison and AI forecast
Which is bigger, NRIM or WSBF?
NRIM is 1.5 times larger than WSBF by market capitalization ($534M against $359M).
Which is cheaper on earnings, NRIM or WSBF?
NRIM trades at 12.9 times trailing earnings, WSBF at 13.0 times.
Which one does Intratio's AI model rank higher, NRIM or WSBF?
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.