Civista Bancshares, Inc. (CIVB) vs Northrim BanCorp, Inc. (NRIM)
A side-by-side comparison of Civista Bancshares, Inc. and Northrim BanCorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — CIVB vs NRIM
growth of $100 · dividends reinvested · last 10yCIVB vs NRIM: by the numbers
- •CIVB is the larger company ($557M vs $550M market cap).
- •NRIM trades at the lower trailing earnings multiple (8.13 vs 9.93 P/E), one valuation lens rather than an overall verdict.
- •NRIM converts more revenue to profit (27.52% vs 24.20% net margin).
- •CIVB grew revenue faster over the past five years (11.24% vs 10.58% CAGR).
- •CIVB pays the higher dividend yield (2.65% vs 2.61%).
Metrics side by side
Valuation
| Metric | CIVB | NRIM |
|---|---|---|
| P/E ratio | 9.93 | 8.13 |
| Forward P/E | 9.44 | 9.33 |
| PEG ratio | 1.74 | 0.46 |
| P/S ratio | 2.48 | 2.21 |
| P/B ratio | 0.98 | 1.58 |
Profitability
| Metric | CIVB | NRIM |
|---|---|---|
| Operating margin | 21.66% | 36.54% |
| Net margin | 24.20% | 27.52% |
| ROE | 9.59% | 19.71% |
Civista Bancshares, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Northrim BanCorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | CIVB | NRIM |
|---|---|---|
| Dividend yield | 2.65% | 2.61% |
| Payout ratio | 26.30% | 21.38% |
Growth (annualized)
| Metric | CIVB | NRIM |
|---|---|---|
| Revenue CAGR (5Y) | 11.24% | 10.58% |
| EPS CAGR (5Y) | 5.71% | 17.66% |
| Total return CAGR (5Y) | 4.69% | 21.72% |
Frequently asked
- Which has the lower trailing P/E, CIVB or NRIM?
- NRIM has the lower trailing P/E: CIVB trades at 9.93 and NRIM at 8.13. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CIVB or NRIM?
- Over the past five years, CIVB grew revenue faster — CIVB at a 11.24% CAGR versus NRIM at 10.58%.
- Does CIVB or NRIM pay a bigger dividend?
- CIVB yields 2.65% and NRIM yields 2.61% based on trailing dividends and the latest price.
- Is CIVB or NRIM more profitable?
- NRIM runs the higher net margin — CIVB at 24.20% versus NRIM at 27.52%.
- How have CIVB and NRIM total returns compared?
- Over the past 10 years, CIVB delivered 8.78% and NRIM delivered 18.61% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Civista Bancshares & Northrim BanCorp appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.