Reviewing Clifton Bancorp (CSBK) and Northrim BanCorp (NRIM)

Clifton Bancorp (NASDAQ: CSBK) and Northrim BanCorp (NASDAQ:NRIM) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, risk, dividends, valuation, analyst recommendations, profitability and earnings.

Dividends

Clifton Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.5%. Northrim BanCorp pays an annual dividend of $0.96 per share and has a dividend yield of 2.4%. Northrim BanCorp pays out 47.1% of its earnings in the form of a dividend.

Analyst Recommendations

This is a summary of recent recommendations and price targets for Clifton Bancorp and Northrim BanCorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Clifton Bancorp 0 0 1 0 3.00
Northrim BanCorp 0 0 0 0 N/A

Clifton Bancorp currently has a consensus target price of $17.00, suggesting a potential upside of 8.63%. Given Clifton Bancorp’s higher possible upside, equities analysts clearly believe Clifton Bancorp is more favorable than Northrim BanCorp.

Profitability

This table compares Clifton Bancorp and Northrim BanCorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Clifton Bancorp 9.23% 2.44% 0.46%
Northrim BanCorp 13.47% 8.45% 1.08%

Institutional & Insider Ownership

58.7% of Clifton Bancorp shares are held by institutional investors. Comparatively, 70.5% of Northrim BanCorp shares are held by institutional investors. 6.3% of Clifton Bancorp shares are held by insiders. Comparatively, 2.9% of Northrim BanCorp shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Risk and Volatility

Clifton Bancorp has a beta of 0.3, meaning that its stock price is 70% less volatile than the S&P 500. Comparatively, Northrim BanCorp has a beta of 0.73, meaning that its stock price is 27% less volatile than the S&P 500.

Earnings and Valuation

This table compares Clifton Bancorp and Northrim BanCorp’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Clifton Bancorp $42.39 million 8.16 $4.72 million N/A N/A
Northrim BanCorp $100.58 million 2.73 $13.15 million $2.04 19.61

Northrim BanCorp has higher revenue and earnings than Clifton Bancorp.

Summary

Northrim BanCorp beats Clifton Bancorp on 8 of the 14 factors compared between the two stocks.

About Clifton Bancorp

Clifton Bancorp Inc, formerly Clifton Savings Bancorp, Inc., is a savings and loan holding company that operates through its subsidiary, Clifton Savings Bank (Clifton Savings). Clifton Savings is a federally chartered savings bank. Clifton Savings operate as a community-oriented financial institution offering traditional financial services to consumers and businesses in the market area. It attracts deposits from the general public and uses those funds to originate one- to four-family, multi-family and commercial real estate, and consumer loans, which it holds for investment. Clifton Savings has one wholly owned subsidiary, Botany Inc., an investment company. In addition to the main office located in Passaic County, Clifton Savings operates 11 branch offices in Bergen and Passaic Counties, which, along with Essex, Morris, Hudson and Union Counties are its primary market area.

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 professionals in Alaska. The company operates in two segments, Community Banking and Home Mortgage Lending. It offers various deposit products, including noninterest-bearing checking accounts and interest-bearing time deposits, checking accounts, and savings accounts, as well as money market deposit accounts, certificates of deposit, and courier noncash deposits. The company 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 consumer loans comprising loans for automobiles, recreational vehicles, boats, and other consumer purchases, as well as home equity and commercial credit lines, and factoring services. In addition, it offers other services comprising 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, personalized checks at account opening, telebanking, automated teller, overdraft protection from a savings account, commercial drive-up banking, automatic transfers and payments, wire transfers, direct payroll deposit, electronic tax payments, automated clearing house origination and receipt, remote deposit capture, merchant, and cash management services, as well as annuity products, and long term investment portfolios. As of January 29, 2018, the company operated 14 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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