FSB Bancorp (NASDAQ:FSBC) and Northrim BanCorp (NASDAQ:NRIM) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their profitability, earnings, risk, institutional ownership, valuation, analyst recommendations and dividends.
This table compares FSB Bancorp and Northrim BanCorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
21.0% of FSB Bancorp shares are owned by institutional investors. Comparatively, 71.8% of Northrim BanCorp shares are owned by institutional investors. 9.2% of FSB Bancorp shares are owned by company insiders. Comparatively, 2.2% of Northrim BanCorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.
Northrim BanCorp pays an annual dividend of $1.20 per share and has a dividend yield of 3.3%. FSB Bancorp does not pay a dividend. Northrim BanCorp pays out 42.0% of its earnings in the form of a dividend. Northrim BanCorp has increased its dividend for 9 consecutive years.
Earnings & Valuation
This table compares FSB Bancorp and Northrim BanCorp’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|FSB Bancorp||$15.26 million||2.23||$140,000.00||N/A||N/A|
|Northrim BanCorp||$96.34 million||2.57||$20.00 million||$2.86||12.66|
Northrim BanCorp has higher revenue and earnings than FSB Bancorp.
This is a breakdown of recent recommendations and price targets for FSB Bancorp and Northrim BanCorp, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Volatility and Risk
FSB Bancorp has a beta of 0.89, indicating that its share price is 11% less volatile than the S&P 500. Comparatively, Northrim BanCorp has a beta of 0.74, indicating that its share price is 26% less volatile than the S&P 500.
Northrim BanCorp beats FSB Bancorp on 9 of the 12 factors compared between the two stocks.
About FSB Bancorp
FSB Bancorp, Inc. operates as the bank holding company for Fairport Savings Bank that provides various financial services to individuals and corporate customers in Monroe County, New York. The company accepts savings, negotiable order of withdrawal, money market, and individual retirement accounts, as well as certificates of deposit and non-interest-bearing demand deposits. It also originates one- to four-family residential real estate mortgages, and home equity lines of credit, as well as commercial real estate, multi-family, construction, and commercial and industrial loans; and other loans consisting of automobile, passbook, overdraft protection, and unsecured loans. In addition, the company offers investment advisory services, such as annuities, insurance products, and mutual funds. It operates through four branch offices located in Penfield, Irondequoit, Webster, and Perinton, New York; and loan origination offices in Pittsford and Greece in the Rochester metropolitan area, as well as in Buffalo and Watertown, New York. The company was formerly known as FSB Community Bankshares, Inc. and changed its name to FSB Bancorp, Inc. in July 2016. FSB Bancorp, Inc. was founded in 1888 and is headquartered in Fairport, New York.
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 in Alaska. It operates in two segments, Community Banking and Home Mortgage Lending. The company offers noninterest-bearing checking accounts and interest-bearing time deposits, checking and savings accounts, money market deposit accounts, certificates of deposit, and courier noncash deposits. It also provides family residential mortgages; commercial loans, such as secured and unsecured loans for working capital and expansion; commercial real estate loans; construction loans for commercial real estate projects, and land development and residential subdivision construction loans; and loans for automobiles, recreational vehicles, boats, and other consumer purchases, as well as home equity and commercial credit lines, and factoring services. In addition, the company offers other services that include consumer online banking, mobile app and mobile deposit, mobile Web and text banking, business online banking, personal finance, online documents, consumer and business debit cards, home equity advantage access cards, and telebanking and automated teller services. Further, it provides personalized checks, overdraft protection for savings accounts, commercial drive-up banking services, automatic transfers and payments, People Pay services, external and wire transfers, bill pay services, direct payroll deposits, electronic tax payments, automated clearing house origination and receipt services, remote deposit capture services, account reconciliation and positive pay services, merchant and cash management programs, annuity products, and long term investment portfolios. As of January 28, 2019, the company operated 15 branches in Anchorage, the Matanuska Valley, Juneau, Fairbanks, Ketchikan, and Sitka. Northrim BanCorp, Inc. was founded in 1990 and is headquartered in Anchorage, Alaska.
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