Mountain Comm Banc (MCBI) vs. Northrim BanCorp (NRIM) Financial Survey

Mountain Comm Banc (OTCMKTS: MCBI) and Northrim BanCorp (NASDAQ:NRIM) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their valuation, earnings, institutional ownership, risk, dividends, analyst recommendations and profitability.

Dividends

Northrim BanCorp pays an annual dividend of $0.88 per share and has a dividend yield of 2.6%. Mountain Comm Banc does not pay a dividend. Northrim BanCorp pays out 37.1% of its earnings in the form of a dividend.

Analyst Ratings

This is a breakdown of current recommendations for Mountain Comm Banc and Northrim BanCorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Mountain Comm Banc 0 0 0 0 N/A
Northrim BanCorp 0 0 0 0 N/A

Profitability

This table compares Mountain Comm Banc and Northrim BanCorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Mountain Comm Banc N/A N/A N/A
Northrim BanCorp 16.18% 8.67% 1.09%

Valuation & Earnings

This table compares Mountain Comm Banc and Northrim BanCorp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Mountain Comm Banc N/A N/A N/A N/A N/A
Northrim BanCorp $102.18 million 2.27 $14.41 million $2.37 14.28

Northrim BanCorp has higher revenue and earnings than Mountain Comm Banc.

Institutional and Insider Ownership

72.1% of Northrim BanCorp shares are owned by institutional investors. 2.9% of Northrim BanCorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

Northrim BanCorp beats Mountain Comm Banc on 7 of the 8 factors compared between the two stocks.

Mountain Comm Banc Company Profile

MetroCorp Bancshares, Inc. is a holding company for MetroBank, National Association (MetroBank). The Company operates branches in niche markets through its subsidiary banks, MetroBank and Metro United Bank, by providing personalized service to the communities in Houston, Dallas, San Diego, Los Angeles, and San Francisco metropolitan areas. The primary lending focus of the Company is to small and medium-sized businesses in a variety of industries. The types of deposits vary from noninterest-bearing demand deposit transaction accounts to interest-bearing negotiable order of withdrawal (NOW) and money market transaction accounts, savings accounts, and various termed time deposits such as certificates of deposit (CD’s) and individual retirement accounts (IRA’s). The primary lending focus of the Company is to small and medium-sized businesses in a variety of industries. In January 2014, East West Bancorp Inc completed the acquisition of MetroCorp Bancshares Inc.

Northrim BanCorp Company Profile

Northrim BanCorp, Inc. is a bank holding company. The Company operates in two segments: Community Banking and Home Mortgage Lending. The Community Banking segment’s principal business focus is the offering of loan and deposit products to business and consumer customers in its primary market areas. The Community Banking segment operates approximately 10 branches throughout Alaska. The Home Mortgage Lending segment’s principal business focus is the origination and sale of mortgage loans for one- to four-family residential properties. Its loan products include short and medium-term commercial loans, commercial credit lines, construction and real estate loans, and consumer loans. Its commercial loan portfolio includes both secured and unsecured loans for working capital and expansion. It provides construction lending for commercial real estate projects. It offers personal loans for automobiles, recreational vehicles, boats, and other larger consumer purchases.

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