NORTHRIM BANCORP INC (NRIM) Stock Fundamental Analysis

NASDAQ:NRIM • US6667621097

24.6 USD
-0.19 (-0.77%)
At close: Feb 26, 2026
24.6 USD
0 (0%)
After Hours: 2/26/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to NRIM. NRIM was compared to 379 industry peers in the Banks industry. Both the profitability and the financial health of NRIM get a neutral evaluation. Nothing too spectacular is happening here. NRIM is not priced too expensively while it is growing strongly. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year NRIM was profitable.
  • NRIM had a positive operating cash flow in the past year.
  • NRIM had positive earnings in each of the past 5 years.
  • In multiple years NRIM reported negative operating cash flow during the last 5 years.
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 (1.90%) is better than 95.51% of its industry peers.
  • NRIM has a better Return On Equity (19.99%) than 97.63% of its industry peers.
Industry RankSector Rank
ROA 1.9%
ROE 19.99%
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 30.60%, NRIM is doing good in the industry, outperforming 79.95% 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) 30.6%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

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.
  • Compared to 5 years ago, NRIM has less shares outstanding
  • Compared to 1 year ago, NRIM has a worse debt to assets ratio.
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

  • NRIM has a debt to FCF ratio of 0.07. This is a very positive value and a sign of high solvency as it would only need 0.07 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 0.07, NRIM belongs to the best of the industry, outperforming 88.13% of the companies in the same industry.
  • A Debt/Equity ratio of 0.03 indicates that NRIM is not too dependend on debt financing.
  • NRIM's Debt to Equity ratio of 0.03 is amongst the best of the industry. NRIM outperforms 83.64% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.07
Altman-Z N/A
ROIC/WACCN/A
WACC13.88%
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. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 41.36% over the past year.
  • Measured over the past years, NRIM shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.80% on average per year.
  • Looking at the last year, NRIM shows a very strong growth in Revenue. The Revenue has grown by 37.85%.
  • Measured over the past years, NRIM shows a quite strong growth in Revenue. The Revenue has been growing by 9.69% on average per year.
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

  • Based on estimates for the next years, NRIM will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.65% on average per year.
  • The Revenue is expected to grow by 29.12% on average over the next years. This is a very strong growth
EPS Next Y13.26%
EPS Next 2Y10.65%
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

  • The EPS growth rate is stable: in the next years the growth will be about the same 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.
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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.56, the valuation of NRIM can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of NRIM indicates a somewhat cheap valuation: NRIM is cheaper than 76.52% of the companies listed in the same industry.
  • NRIM is valuated cheaply when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 9.31, the valuation of NRIM can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, NRIM is valued a bit cheaper than 76.78% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.13. NRIM is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.56
Fwd PE 9.31
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

  • Based on the Price/Free Cash Flow ratio, NRIM is valued cheaply inside the industry as 94.72% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.93
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

  • NRIM's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.8
PEG (5Y)0.83
EPS Next 2Y10.65%
EPS Next 3YN/A

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

5

5. Dividend

5.1 Amount

  • NRIM has a Yearly Dividend Yield of 2.55%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.74, NRIM has a dividend in line with its industry peers.
  • NRIM's Dividend Yield is a higher than the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 2.55%

5.2 History

  • The dividend of NRIM decreases each year by -13.12%.
  • NRIM has paid a dividend for at least 10 years, which is 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
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 22.56% of its income as dividend. This is a sustainable payout ratio.
DP22.56%
EPS Next 2Y10.65%
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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NORTHRIM BANCORP INC

NASDAQ:NRIM (2/26/2026, 8:00:02 PM)

After market: 24.6 0 (0%)

24.6

-0.19 (-0.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23
Earnings (Next)04-21
Inst Owners74.84%
Inst Owner Change0.03%
Ins Owners1.72%
Ins Owner Change3.98%
Market Cap543.91M
Revenue(TTM)213.97M
Net Income(TTM)63.09M
Analysts82.86
Price Target31.62 (28.54%)
Short Float %1.71%
Short Ratio1.81
Dividend
Industry RankSector Rank
Dividend Yield 2.55%
Yearly Dividend0.62
Dividend Growth(5Y)-13.12%
DP22.56%
Div Incr Years15
Div Non Decr Years15
Ex-Date03-05
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)-1.59%
PT rev (3m)-1.59%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.92%
EPS NY rev (1m)-7.83%
EPS NY rev (3m)-3.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.2%
Revenue NY rev (1m)34.54%
Revenue NY rev (3m)42.95%
Valuation
Industry RankSector Rank
PE 10.56
Fwd PE 9.31
P/S 2.64
P/FCF 3.93
P/OCF 3.88
P/B 1.72
P/tB 2.29
EV/EBITDA N/A
EPS(TTM)2.33
EY9.47%
EPS(NY)2.64
Fwd EY10.74%
FCF(TTM)6.26
FCFY25.47%
OCF(TTM)6.35
OCFY25.8%
SpS9.33
BVpS14.28
TBVpS10.72
PEG (NY)0.8
PEG (5Y)0.83
Graham Number27.36
Profitability
Industry RankSector 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)1.36%
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-Score8
Asset Turnover0.06
Health
Industry RankSector 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
WACC13.88%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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 Y13.26%
EPS Next 2Y10.65%
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 1Y4515.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y2327.56%
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 10.56 and the Price/Book (PB) ratio is 1.72.


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%.