29.69 USD
-0.07 (-0.24%)
29.12 USD
-0.57 (-1.92%)
Overall NRIM gets a fundamental rating of 5 out of 10. We evaluated NRIM against 383 industry peers in the Banks industry. NRIM has only an average score on both its financial health and profitability. NRIM is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
- NRIM had positive earnings in the past year.
- NRIM had a positive operating cash flow in the past year.
- In the past 5 years NRIM has always been profitable.
- In multiple years NRIM reported negative operating cash flow during the last 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.90%, NRIM belongs to the top of the industry, outperforming 95.30% of the companies in the same industry.
- With an excellent Return On Equity value of 19.99%, NRIM belongs to the best of the industry, outperforming 98.17% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.9% | ||
| ROE | 19.99% | ||
| ROIC | N/A |
ROA(3y)1.09%
ROA(5y)1.24%
ROE(3y)12.9%
ROE(5y)13.86%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- NRIM has a better Profit Margin (30.60%) than 81.72% of its industry peers.
- NRIM's Profit Margin has improved in the last couple of years.
- NRIM does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 30.6% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.45%
PM growth 5Y3.19%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- NRIM does not have a ROIC to compare to the WACC, probably because it is not profitable.
- NRIM has about the same amout of shares outstanding than it did 1 year ago.
- NRIM has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, NRIM has an improved debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of NRIM is 0.07, which is an excellent value as it means it would take NRIM, only 0.07 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of NRIM (0.07) is better than 87.99% of its industry peers.
- NRIM has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
- With an excellent Debt to Equity ratio value of 0.03, NRIM belongs to the best of the industry, outperforming 83.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.07 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.26%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- NRIM shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 53.92%, which is quite impressive.
- NRIM shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -11.50% yearly.
- Looking at the last year, NRIM shows a very strong growth in Revenue. The Revenue has grown by 42.62%.
- The Revenue has been growing by 8.82% on average over the past years. This is quite good.
EPS 1Y (TTM)53.92%
EPS 3Y3.23%
EPS 5Y-11.5%
EPS Q2Q%52.87%
Revenue 1Y (TTM)42.62%
Revenue growth 3Y5.26%
Revenue growth 5Y8.82%
Sales Q2Q%22.55%
3.2 Future
- NRIM is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 26.05% yearly.
- NRIM is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.51% yearly.
EPS Next Y68.76%
EPS Next 2Y31.8%
EPS Next 3Y26.05%
EPS Next 5YN/A
Revenue Next Year24.38%
Revenue Next 2Y19.8%
Revenue Next 3Y15.51%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 13.14 indicates a correct valuation of NRIM.
- NRIM's Price/Earnings is on the same level as the industry average.
- The average S&P500 Price/Earnings ratio is at 27.32. NRIM is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 10.36, the valuation of NRIM can be described as reasonable.
- The rest of the industry has a similar Price/Forward Earnings ratio as NRIM.
- NRIM is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.14 | ||
| Fwd PE | 10.36 |
4.2 Price Multiples
- 92.95% of the companies in the same industry are more expensive than NRIM, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.74 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- NRIM's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- NRIM's earnings are expected to grow with 26.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.19
PEG (5Y)N/A
EPS Next 2Y31.8%
EPS Next 3Y26.05%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.21%, NRIM has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.91, NRIM is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.86, NRIM has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.21% |
5.2 History
- The dividend of NRIM decreases each year by -13.12%.
- 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)-13.12%
Div Incr Years15
Div Non Decr Years15
5.3 Sustainability
- NRIM pays out 22.56% of its income as dividend. This is a sustainable payout ratio.
DP22.56%
EPS Next 2Y31.8%
EPS Next 3Y26.05%
29.69
-0.07 (-0.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22 2025-10-22/amc
Earnings (Next)01-22 2026-01-22/amc
Inst Owners74.84%
Inst Owner Change0.18%
Ins Owners1.72%
Ins Owner Change4.12%
Market Cap655.85M
Revenue(TTM)206.19M
Net Income(TTM)63.09M
Analysts85
Price Target32.13 (8.22%)
Short Float %1.54%
Short Ratio2.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.21% |
Yearly Dividend0.62
Dividend Growth(5Y)-13.12%
DP22.56%
Div Incr Years15
Div Non Decr Years15
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-2.32%
Min EPS beat(2)-4.55%
Max EPS beat(2)-0.09%
EPS beat(4)2
Avg EPS beat(4)13.97%
Min EPS beat(4)-4.55%
Max EPS beat(4)45.16%
EPS beat(8)5
Avg EPS beat(8)13.75%
EPS beat(12)6
Avg EPS beat(12)3.5%
EPS beat(16)8
Avg EPS beat(16)4.4%
Revenue beat(2)0
Avg Revenue beat(2)-9.78%
Min Revenue beat(2)-18.46%
Max Revenue beat(2)-1.1%
Revenue beat(4)1
Avg Revenue beat(4)-8.15%
Min Revenue beat(4)-18.46%
Max Revenue beat(4)4.26%
Revenue beat(8)3
Avg Revenue beat(8)-4.02%
Revenue beat(12)5
Avg Revenue beat(12)-1.18%
Revenue beat(16)9
Avg Revenue beat(16)9.67%
PT rev (1m)0%
PT rev (3m)16.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)13.06%
EPS NY rev (1m)0%
EPS NY rev (3m)-70.71%
Revenue NQ rev (1m)3.2%
Revenue NQ rev (3m)-13.52%
Revenue NY rev (1m)1.8%
Revenue NY rev (3m)2.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.14 | ||
| Fwd PE | 10.36 | ||
| P/S | 3.18 | ||
| P/FCF | 4.74 | ||
| P/OCF | 4.67 | ||
| P/B | 2.08 | ||
| P/tB | 2.77 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.26
EY7.61%
EPS(NY)2.87
Fwd EY9.65%
FCF(TTM)6.27
FCFY21.12%
OCF(TTM)6.35
OCFY21.39%
SpS9.33
BVpS14.29
TBVpS10.73
PEG (NY)0.19
PEG (5Y)N/A
Graham Number26.96
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.9% | ||
| ROE | 19.99% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 30.6% | ||
| GM | N/A | ||
| FCFM | 67.18% |
ROA(3y)1.09%
ROA(5y)1.24%
ROE(3y)12.9%
ROE(5y)13.86%
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 3Y-5.45%
PM growth 5Y3.19%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.07 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 59.27% | ||
| Cap/Sales | 0.88% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 219.53% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC13.26%
ROIC/WACCN/A
Cap/Depr(3y)82.34%
Cap/Depr(5y)75.87%
Cap/Sales(3y)2.74%
Cap/Sales(5y)2.51%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)53.92%
EPS 3Y3.23%
EPS 5Y-11.5%
EPS Q2Q%52.87%
EPS Next Y68.76%
EPS Next 2Y31.8%
EPS Next 3Y26.05%
EPS Next 5YN/A
Revenue 1Y (TTM)42.62%
Revenue growth 3Y5.26%
Revenue growth 5Y8.82%
Sales Q2Q%22.55%
Revenue Next Year24.38%
Revenue Next 2Y19.8%
Revenue Next 3Y15.51%
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 1Y632.84%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y435.55%
OCF growth 3YN/A
OCF growth 5YN/A
NORTHRIM BANCORP INC / NRIM FAQ
What is the fundamental rating for NRIM stock?
ChartMill assigns a fundamental rating of 5 / 10 to NRIM.
Can you provide the valuation status for NORTHRIM BANCORP INC?
ChartMill assigns a valuation rating of 6 / 10 to NORTHRIM BANCORP INC (NRIM). This can be considered as Fairly Valued.
What is the profitability of NRIM stock?
NORTHRIM BANCORP INC (NRIM) has a profitability rating of 4 / 10.
What is the valuation of NORTHRIM BANCORP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for NORTHRIM BANCORP INC (NRIM) is 13.14 and the Price/Book (PB) ratio is 2.08.
Is the dividend of NORTHRIM BANCORP INC sustainable?
The dividend rating of NORTHRIM BANCORP INC (NRIM) is 5 / 10 and the dividend payout ratio is 22.56%.