Northrim BanCorp Inc (NRIM)vsWells Fargo & Company (WFC)
NRIM
Northrim BanCorp Inc
$24.18
+0.83%
FINANCIAL SERVICES · Cap: $530.76M
WFC
Wells Fargo & Company
$84.81
+1.36%
FINANCIAL SERVICES · Cap: $251.75B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 40886% more annual revenue ($83.11B vs $202.78M). WFC leads profitability with a 27.6% profit margin vs 27.6%. NRIM trades at a lower P/E of 9.7x. WFC earns a higher WallStSmart Score of 74/100 (B).
NRIM
Buy56
out of 100
Grade: C
WFC
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Strong operational efficiency at 37.1%
Keeps 28 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Mega-cap, among the largest globally
Attractively priced relative to earnings
Strong operational efficiency at 34.1%
Keeps 28 of every $100 in revenue as profit
Reasonable price relative to book value
Generating 6.8B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Revenue declined 20.0%
Earnings declined 47.5%
Distress zone — elevated risk
0.4% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NRIM
The strongest argument for NRIM centers on P/E Ratio, Operating Margin, Profit Margin. Profitability is solid with margins at 27.6% and operating margin at 37.1%.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, P/E Ratio, Operating Margin. Profitability is solid with margins at 27.6% and operating margin at 34.1%. PEG of 1.39 suggests the stock is reasonably priced for its growth.
Bear Case : NRIM
The primary concerns for NRIM are Market Cap, Revenue Growth, EPS Growth.
Bear Case : WFC
The primary concerns for WFC are Revenue Growth, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
NRIM profiles as a declining stock while WFC is a value play — different risk/reward profiles.
WFC carries more volatility with a beta of 0.95 — expect wider price swings.
WFC is growing revenue faster at 0.4% — sustainability is the question.
WFC generates stronger free cash flow (6.8B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (74/100 vs 56/100), backed by strong 27.6% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Northrim BanCorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Northrim BanCorp, Inc. is the banking holding company for Northrim Bank offering commercial banking products and services to businesses and professionals. The company is headquartered in Anchorage, Alaska.
Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?