NORTHRIM BANCORP INC (NRIM) Fundamental Analysis & Valuation

NASDAQ:NRIM • US6667621097

Current stock price

24.8 USD
-0.05 (-0.2%)
Last:

This NRIM fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. NRIM Profitability Analysis

1.1 Basic Checks

  • NRIM had positive earnings in the past year.
  • In the past year NRIM had a positive cash flow from operations.
  • NRIM had positive earnings in each of the past 5 years.
  • Of the past 5 years NRIM 4 years had a positive operating cash flow.
NRIM Yearly Net Income VS EBIT VS OCF VS FCFNRIM Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M

1.2 Ratios

  • The Return On Assets of NRIM (1.96%) is better than 96.05% of its industry peers.
  • NRIM has a better Return On Equity (19.79%) than 97.63% of its industry peers.
Industry RankSector Rank
ROA 1.96%
ROE 19.79%
ROIC N/A
ROA(3y)1.36%
ROA(5y)1.32%
ROE(3y)14.82%
ROE(5y)14.85%
ROIC(3y)N/A
ROIC(5y)N/A
NRIM Yearly ROA, ROE, ROICNRIM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • With a decent Profit Margin value of 30.19%, NRIM is doing good in the industry, outperforming 75.53% of the companies in the same industry.
  • In the last couple of years the Profit Margin of NRIM has grown nicely.
  • The Operating Margin and Gross Margin are not available for NRIM so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 30.19%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.51%
PM growth 5Y4.34%
GM growth 3YN/A
GM growth 5YN/A
NRIM Yearly Profit, Operating, Gross MarginsNRIM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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3

2. NRIM Health Analysis

2.1 Basic Checks

  • NRIM does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for NRIM remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, NRIM has less shares outstanding
  • The debt/assets ratio for NRIM is higher compared to a year ago.
NRIM Yearly Shares OutstandingNRIM Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
NRIM Yearly Total Debt VS Total AssetsNRIM Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • The Debt to FCF ratio of NRIM is 0.51, which is an excellent value as it means it would take NRIM, only 0.51 years of fcf income to pay off all of its debts.
  • NRIM has a better Debt to FCF ratio (0.51) than 80.26% of its industry peers.
  • NRIM has a Debt/Equity ratio of 0.21. This is a healthy value indicating a solid balance between debt and equity.
  • NRIM's Debt to Equity ratio of 0.21 is in line compared to the rest of the industry. NRIM outperforms 40.79% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 0.51
Altman-Z N/A
ROIC/WACCN/A
WACC13.54%
NRIM Yearly LT Debt VS Equity VS FCFNRIM Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
NRIM Yearly Current Assets VS Current LiabilitesNRIM Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. NRIM Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 41.36% over the past year.
  • The Earnings Per Share has been growing by 12.80% on average over the past years. This is quite good.
  • The Revenue has grown by 37.85% in the past year. This is a very strong growth!
  • NRIM shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.69% yearly.
EPS 1Y (TTM)41.36%
EPS 3Y20.97%
EPS 5Y12.8%
EPS Q2Q%16.06%
Revenue 1Y (TTM)37.85%
Revenue growth 3Y18.1%
Revenue growth 5Y9.69%
Sales Q2Q%14.7%

3.2 Future

  • The Earnings Per Share is expected to grow by 10.16% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 29.12% on average over the next years. This is a very strong growth
EPS Next Y13.48%
EPS Next 2Y10.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year55.23%
Revenue Next 2Y29.12%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
NRIM Yearly Revenue VS EstimatesNRIM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
NRIM Yearly EPS VS EstimatesNRIM Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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6

4. NRIM Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.64 indicates a reasonable valuation of NRIM.
  • NRIM's Price/Earnings ratio is a bit cheaper when compared to the industry. NRIM is cheaper than 77.37% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.78, NRIM is valued rather cheaply.
  • A Price/Forward Earnings ratio of 9.37 indicates a reasonable valuation of NRIM.
  • 77.89% of the companies in the same industry are more expensive than NRIM, based on the Price/Forward Earnings ratio.
  • NRIM is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.54, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.64
Fwd PE 9.37
NRIM Price Earnings VS Forward Price EarningsNRIM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • NRIM's Price/Free Cash Flow ratio is rather cheap when compared to the industry. NRIM is cheaper than 95.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.1
EV/EBITDA N/A
NRIM Per share dataNRIM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.79
PEG (5Y)0.83
EPS Next 2Y10.16%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. NRIM Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.58%, NRIM has a reasonable but not impressive dividend return.
  • NRIM's Dividend Yield is comparable with the industry average which is at 2.59.
  • Compared to an average S&P500 Dividend Yield of 1.83, NRIM pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.58%

5.2 History

  • The dividend of NRIM decreases each year by -13.56%.
  • NRIM has been paying a dividend for at least 10 years, so it has a reliable track record.
  • NRIM has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)-13.56%
Div Incr Years16
Div Non Decr Years16
NRIM Yearly Dividends per shareNRIM Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • NRIM pays out 22.52% of its income as dividend. This is a sustainable payout ratio.
DP22.52%
EPS Next 2Y10.16%
EPS Next 3YN/A
NRIM Yearly Income VS Free CF VS DividendNRIM Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M
NRIM Dividend Payout.NRIM Dividend Payout, showing the Payout Ratio.NRIM Dividend Payout.PayoutRetained Earnings

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NRIM Fundamentals: All Metrics, Ratios and Statistics

NORTHRIM BANCORP INC

NASDAQ:NRIM (4/10/2026, 8:00:01 PM)

24.8

-0.05 (-0.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23
Earnings (Next)04-23
Inst Owners74.07%
Inst Owner Change0%
Ins Owners1.83%
Ins Owner Change7.47%
Market Cap548.82M
Revenue(TTM)213.97M
Net Income(TTM)64.61M
Analysts82.5
Price Target31.62 (27.5%)
Short Float %2.1%
Short Ratio2.31
Dividend
Industry RankSector Rank
Dividend Yield 2.58%
Yearly Dividend0.66
Dividend Growth(5Y)-13.56%
DP22.52%
Div Incr Years16
Div Non Decr Years16
Ex-Date03-05
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-8.45%
Min EPS beat(2)-16.82%
Max EPS beat(2)-0.09%
EPS beat(4)1
Avg EPS beat(4)5.93%
Min EPS beat(4)-16.82%
Max EPS beat(4)45.16%
EPS beat(8)5
Avg EPS beat(8)12.39%
EPS beat(12)6
Avg EPS beat(12)2.83%
EPS beat(16)8
Avg EPS beat(16)3.78%
Revenue beat(2)0
Avg Revenue beat(2)-12.49%
Min Revenue beat(2)-18.46%
Max Revenue beat(2)-6.52%
Revenue beat(4)0
Avg Revenue beat(4)-10.84%
Min Revenue beat(4)-18.46%
Max Revenue beat(4)-1.1%
Revenue beat(8)3
Avg Revenue beat(8)-4.79%
Revenue beat(12)4
Avg Revenue beat(12)-3.97%
Revenue beat(16)8
Avg Revenue beat(16)6.76%
PT rev (1m)0%
PT rev (3m)-1.59%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-11.29%
EPS NY rev (1m)0%
EPS NY rev (3m)-7.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)32.46%
Revenue NY rev (1m)0%
Revenue NY rev (3m)42.95%
Valuation
Industry RankSector Rank
PE 10.64
Fwd PE 9.37
P/S 2.56
P/FCF 4.1
P/OCF 3.94
P/B 1.68
P/tB 2.21
EV/EBITDA N/A
EPS(TTM)2.33
EY9.4%
EPS(NY)2.65
Fwd EY10.67%
FCF(TTM)6.05
FCFY24.39%
OCF(TTM)6.3
OCFY25.39%
SpS9.67
BVpS14.76
TBVpS11.22
PEG (NY)0.79
PEG (5Y)0.83
Graham Number27.81
Profitability
Industry RankSector Rank
ROA 1.96%
ROE 19.79%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.19%
GM N/A
FCFM 62.56%
ROA(3y)1.36%
ROA(5y)1.32%
ROE(3y)14.82%
ROE(5y)14.85%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.51%
PM growth 5Y4.34%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 0.51
Debt/EBITDA N/A
Cap/Depr 154.75%
Cap/Sales 2.56%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 207.2%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC13.54%
ROIC/WACCN/A
Cap/Depr(3y)104.47%
Cap/Depr(5y)91.47%
Cap/Sales(3y)2.61%
Cap/Sales(5y)2.53%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)41.36%
EPS 3Y20.97%
EPS 5Y12.8%
EPS Q2Q%16.06%
EPS Next Y13.48%
EPS Next 2Y10.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)37.85%
Revenue growth 3Y18.1%
Revenue growth 5Y9.69%
Sales Q2Q%14.7%
Revenue Next Year55.23%
Revenue Next 2Y29.12%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1532.2%
FCF growth 3Y21.68%
FCF growth 5YN/A
OCF growth 1Y1696.62%
OCF growth 3Y21.28%
OCF growth 5YN/A

NORTHRIM BANCORP INC / NRIM Fundamental Analysis FAQ

What is the fundamental rating for NRIM stock?

ChartMill assigns a fundamental rating of 5 / 10 to NRIM.


What is the valuation status of NORTHRIM BANCORP INC (NRIM) stock?

ChartMill assigns a valuation rating of 6 / 10 to NORTHRIM BANCORP INC (NRIM). This can be considered as Fairly Valued.


How profitable is NORTHRIM BANCORP INC (NRIM) stock?

NORTHRIM BANCORP INC (NRIM) has a profitability rating of 4 / 10.


How financially healthy is NORTHRIM BANCORP INC?

The financial health rating of NORTHRIM BANCORP INC (NRIM) is 3 / 10.


Can you provide the expected EPS growth for NRIM stock?

The Earnings per Share (EPS) of NORTHRIM BANCORP INC (NRIM) is expected to grow by 13.48% in the next year.