Skip to content
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 $25.01, about 42.0% overvalued vs fair value, +26.8% 1Y return, ranked 305/1037 in sector.
Metrics Rev Growth 56.3% ROE 21.8% Gross Margin 81.4%
$25.01
1.76%
As of April 28, 2026
Previous close • Vol 90d: 41.6%
52-Week Range
Market Cap
$553.40M
Enterprise Value
$610.97M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Good
Valuation
Weak
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Good
Valuation
Weak
Completeness: 82%
Confidence: 90%
Updated: Mar 8
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: $25.01 -42% 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

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

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
77
/100
Strong
Scores based on quantitative metrics and qualitative factors

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Moderate
67
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing NRIM's balance between Growth (38.4%), Profitability (40.9%), and Safety (20.7%). Growth 38% Safety 21% Profitability 41%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

78th percentile vs peers
78
Key Signals
NII Growth YoY 9.5% 78p Asset Growth YoY 8.2% 72p EPS Growth YoY 47.6% 86p Equity Growth YoY 13.8% 80p
Strengths
  • EPS Growth YoY in top 20% of peers (47.6%, 86th percentile)
  • Equity Growth YoY in top 20% of peers (13.8%, 80th percentile)
  • Net Interest Margin in top 20% of peers (3.7%, 86th percentile)
  • ROTE in top 20% of peers (19.3%, 92th percentile)
Risks

No significant risks identified for this axis.

Profitability

83th percentile vs peers
83
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

42th percentile vs peers
42
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Northrim BanCorp Inc.

Loading valuation model...
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:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$14.50
- - -
-42.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info