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Company Analysis

Northrim BanCorp Inc NRIM

A comprehensive view of key metrics, scores, and financial health for Northrim BanCorp Inc

Overview of Northrim BanCorp, Inc.

NRIM NMS
Financial Services Banks - Regional Small Cap
Northrim BanCorp, Inc. (NRIM), is a Small Cap company, in the Banks - Regional industry, last closed at $22.47, about 35.5% overvalued vs fair value, +21.5% 1Y return, ranked 308/1004 in sector.
$22.47
-0.62%
As of March 13, 2026
Previous close • Vol 90d: 43.1%
52-Week Range
Market Cap
$509.20M
Enterprise Value
$566.77M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.northrim.com
HQ Anchorage, AK
Fiscal year Dec 31

Next Events

Earnings Apr 29 Estimated

Fair Value Snapshot

Bear Base Bull
$8
$15
$27
Current: $22.47 -36% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$152.7M
16.6%%
Interest Expense
$42.8M
Net Interest Income
$112.0M
9.5%%
Total Revenue
$242.5M
56.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
13.8%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$14.5M
39.3% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
1/1
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Northrim BanCorp Inc's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
79
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
75
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing NRIM's balance between Growth (27.2%), Profitability (36.6%), and Safety (36.2%). Growth 27% Safety 36% Profitability 37%

Click axes to expand details. Marker shows current allocation.

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Growth

63th percentile vs peers
63
Key Signals
Asset Growth YoY 8.2% 72p Revenue CAGR 3Y 23.4% 70p Rev Growth YoY 56.2% 50p
Strengths
  • Roe in top 20% of peers (14.7%, 89th percentile)
  • Operating Margin in top 20% of peers (35.5%, 86th percentile)
  • Net Profit Margin in top 20% of peers (26.6%, 84th percentile)
Risks

No significant risks identified for this axis.

Profitability

85th percentile vs peers
85
Key Signals
Strengths
Risks
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Safety

84th percentile vs peers
84
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Northrim BanCorp Inc.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$14.50
- - -
-35.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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