24.56 USD
-0.49 (-1.96%)
24.56 USD
0 (0%)
Taking everything into account, NRIM scores 5 out of 10 in our fundamental rating. NRIM was compared to 387 industry peers in the Banks industry. NRIM has an average financial health and profitability rating. NRIM has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year NRIM was profitable.
NRIM had a positive operating cash flow in the past year.
Each year in the past 5 years NRIM has been profitable.
The reported operating cash flow has been mixed in the past 5 years: NRIM reported negative operating cash flow in multiple years.
1.2 Ratios
NRIM has a Return On Assets of 1.90%. This is amongst the best in the industry. NRIM outperforms 95.61% of its industry peers.
NRIM has a Return On Equity of 19.99%. This is amongst the best in the industry. NRIM outperforms 98.45% of its industry peers.
| 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's Profit Margin of 30.60% is amongst the best of the industry. NRIM outperforms 81.65% 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.
Compared to 1 year ago, NRIM has about the same amount of shares outstanding.
Compared to 5 years ago, NRIM has less shares outstanding
NRIM has a better debt/assets ratio than last year.
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.
NRIM's Debt to FCF ratio of 0.07 is amongst the best of the industry. NRIM outperforms 87.86% 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.
NRIM's Debt to Equity ratio of 0.03 is amongst the best of the industry. NRIM outperforms 83.20% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.07 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.86%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for NRIM have decreased strongly by -36.82% in the last year.
NRIM shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.77% yearly.
NRIM shows a strong growth in Revenue. In the last year, the Revenue has grown by 42.62%.
NRIM shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.82% yearly.
EPS 1Y (TTM)-36.82%
EPS 3Y3.23%
EPS 5Y16.77%
EPS Q2Q%-61.78%
Revenue 1Y (TTM)42.62%
Revenue growth 3Y5.26%
Revenue growth 5Y8.82%
Sales Q2Q%22.55%
3.2 Future
The Earnings Per Share is expected to decrease by -20.59% on average over the next years. This is quite bad
The Revenue is expected to grow by 15.51% on average over the next years. This is quite good.
EPS Next Y-63.99%
EPS Next 2Y-35.43%
EPS Next 3Y-20.59%
EPS Next 5YN/A
Revenue Next Year22.18%
Revenue Next 2Y16.22%
Revenue Next 3Y15.51%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less 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
The Price/Earnings ratio is 6.64, which indicates a rather cheap valuation of NRIM.
Based on the Price/Earnings ratio, NRIM is valued cheaper than 95.35% of the companies in the same industry.
When comparing the Price/Earnings ratio of NRIM to the average of the S&P500 Index (26.31), we can say NRIM is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.93, the valuation of NRIM can be described as reasonable.
69.51% 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 36.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.64 | ||
| Fwd PE | 8.93 |
4.2 Price Multiples
NRIM's Price/Free Cash Flow ratio is rather cheap when compared to the industry. NRIM is cheaper than 94.32% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.92 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
NRIM's earnings are expected to decrease with -20.59% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.4
EPS Next 2Y-35.43%
EPS Next 3Y-20.59%
5. Dividend
5.1 Amount
NRIM has a Yearly Dividend Yield of 2.55%.
NRIM's Dividend Yield is comparable with the industry average which is at 3.23.
Compared to an average S&P500 Dividend Yield of 2.34, NRIM has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.55% |
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 their dividend for at least 10 years, which is a reliable track record.
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.
NRIM's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP22.56%
EPS Next 2Y-35.43%
EPS Next 3Y-20.59%
24.56
-0.49 (-1.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners74.35%
Inst Owner Change296.43%
Ins Owners1.77%
Ins Owner Change0%
Market Cap542.53M
Revenue(TTM)206.19M
Net Income(TTM)63.09M
Analysts85
Price Target32.13 (30.82%)
Short Float %2.19%
Short Ratio4.68
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.55% |
Yearly Dividend0.62
Dividend Growth(5Y)-13.12%
DP22.56%
Div Incr Years15
Div Non Decr Years15
Ex-Date
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)6.78%
PT rev (3m)-70.83%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-73%
EPS NY rev (1m)0%
EPS NY rev (3m)-75.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.84%
Revenue NY rev (1m)-17.97%
Revenue NY rev (3m)0.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.64 | ||
| Fwd PE | 8.93 | ||
| P/S | 2.63 | ||
| P/FCF | 3.92 | ||
| P/OCF | 3.87 | ||
| P/B | 1.72 | ||
| P/tB | 2.29 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.7
EY15.07%
EPS(NY)2.75
Fwd EY11.2%
FCF(TTM)6.27
FCFY25.53%
OCF(TTM)6.35
OCFY25.86%
SpS9.33
BVpS14.29
TBVpS10.73
PEG (NY)N/A
PEG (5Y)0.4
Graham Number34.49
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
WACC13.86%
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)-36.82%
EPS 3Y3.23%
EPS 5Y16.77%
EPS Q2Q%-61.78%
EPS Next Y-63.99%
EPS Next 2Y-35.43%
EPS Next 3Y-20.59%
EPS Next 5YN/A
Revenue 1Y (TTM)42.62%
Revenue growth 3Y5.26%
Revenue growth 5Y8.82%
Sales Q2Q%22.55%
Revenue Next Year22.18%
Revenue Next 2Y16.22%
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.
What is the valuation status for NRIM stock?
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.
Can you provide the PE and PB ratios for NRIM stock?
The Price/Earnings (PE) ratio for NORTHRIM BANCORP INC (NRIM) is 6.64 and the Price/Book (PB) ratio is 1.72.
What is the financial health of NORTHRIM BANCORP INC (NRIM) stock?
The financial health rating of NORTHRIM BANCORP INC (NRIM) is 4 / 10.