(NRIM) Northrim BanCorp - Ratings and Ratios
Banking, Loans, Deposits, CreditCards, Investments
NRIM EPS (Earnings per Share)
NRIM Revenue
Description: NRIM Northrim BanCorp
Northrim BanCorp Inc is a bank holding company that provides a comprehensive range of commercial banking products and services to businesses and high-net-worth individuals through its three main segments: Community Banking, Home Mortgage Lending, and Specialty Finance. The companys diverse product portfolio includes deposit accounts, commercial loans, consumer loans, and cash management services, as well as online banking, mobile banking, and debit and credit card services.
The companys business model is focused on serving the banking needs of businesses and individuals in Alaska, with a strong presence in the states commercial banking market. Northrim BanCorps extensive range of products and services is designed to meet the complex financial needs of its customers, from basic deposit accounts to sophisticated cash management and investment services. The companys investment advisory, trust, wealth management, factoring, and mortgage services further enhance its ability to provide comprehensive financial solutions to its clients.
From a technical analysis perspective, Northrim BanCorps stock price has been trending upwards, with the stock currently trading above its 20-day, 50-day, and 200-day moving averages. The stocks relative strength index (RSI) is not provided, but the current price is near its 52-week high, indicating a strong uptrend. Using the provided technical data, we can forecast that the stock is likely to continue its upward trend, with potential resistance at $94.01 and support at $89.65. A break above $94.01 could lead to further gains, while a decline below $89.65 may indicate a reversal in the trend.
Fundamentally, Northrim BanCorps market capitalization and price-to-earnings ratio suggest that the company is a relatively small-cap regional bank with a reasonable valuation. The companys return on equity (RoE) of 15.97% indicates that it is generating strong profits from its equity base. Using the provided fundamental data, we can forecast that Northrim BanCorps earnings are likely to continue growing, driven by its strong presence in the Alaskan banking market and its diversified product portfolio. Assuming a stable P/E ratio, the stock price is likely to continue its upward trend, driven by the companys improving earnings and profitability.
Combining the technical and fundamental analysis, our forecast is that Northrim BanCorps stock price is likely to reach $100 within the next 12-18 months, driven by the companys strong financial performance and the overall upward trend in the stock price. However, this forecast is subject to various risks and uncertainties, including changes in the overall banking industry, economic conditions in Alaska, and the companys ability to continue growing its earnings and profitability.
NRIM Stock Overview
| Market Cap in USD | 470m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1993-10-25 |
NRIM Stock Ratings
| Growth Rating | 87.9% |
| Fundamental | 80.5% |
| Dividend Rating | 85.4% |
| Return 12m vs S&P 500 | 7.92% |
| Analyst Rating | 5.0 of 5 |
NRIM Dividends
| Dividend Yield 12m | 3.08% |
| Yield on Cost 5y | 12.70% |
| Annual Growth 5y | 15.55% |
| Payout Consistency | 98.5% |
| Payout Ratio | 19.4% |
NRIM Growth Ratios
| Growth Correlation 3m | -10.4% |
| Growth Correlation 12m | 73.8% |
| Growth Correlation 5y | 93.3% |
| CAGR 5y | 36.78% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.05 |
| CAGR/Mean DD 3y (Pain Ratio) | 3.66 |
| Sharpe Ratio 12m | 0.04 |
| Alpha | 14.12 |
| Beta | 0.953 |
| Volatility | 28.24% |
| Current Volume | 95.2k |
| Average Volume 20d | 140.9k |
| Stop Loss | 19.9 (-3.5%) |
| Signal | -0.07 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (44.9m TTM) > 0 and > 6% of Revenue (6% = 13.4m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 1.06pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 69.34% (prev -1028 %; Δ 1097 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 47.4m > Net Income 44.9m (YES >=105%, WARN >=100%) |
| Net Debt (-36.7m) to EBITDA (61.4m) ratio: -0.60 <= 3.0 (WARN <= 3.5) |
| Current Ratio 22.83 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (22.4m) change vs 12m ago 0.95% (target <= -2.0% for YES) |
| Gross Margin 78.99% (prev 77.95%; Δ 1.04pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 7.35% (prev 6.20%; Δ 1.15pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.36 (EBITDA TTM 61.4m / Interest Expense TTM 43.0m) >= 6 (WARN >= 3) |
Altman Z'' 0.82
| (A) 0.05 = (Total Current Assets 161.6m - Total Current Liabilities 7.08m) / Total Assets 3.24b |
| (B) 0.09 = Retained Earnings (Balance) 277.3m / Total Assets 3.24b |
| (C) 0.02 = EBIT TTM 58.3m / Avg Total Assets 3.03b |
| (D) 0.09 = Book Value of Equity 280.4m / Total Liabilities 2.95b |
| Total Rating: 0.82 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 80.50
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 62.17% = 5.0 |
| 3. FCF Margin 21.46% = 5.36 |
| 4. Debt/Equity 0.28 = 2.46 |
| 5. Debt/Ebitda -0.60 = 2.50 |
| 6. ROIC - WACC (= 4.26)% = 5.33 |
| 7. RoE 16.35% = 1.36 |
| 8. Rev. Trend 97.60% = 7.32 |
| 9. EPS Trend 63.25% = 3.16 |
What is the price of NRIM shares?
Over the past week, the price has changed by -6.27%, over one month by -8.79%, over three months by -14.14% and over the past year by +23.95%.
Is Northrim BanCorp a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of NRIM is around 24.61 USD . This means that NRIM is currently undervalued and has a potential upside of +19.29% (Margin of Safety).
Is NRIM a buy, sell or hold?
- Strong Buy: 2
- Buy: 0
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the NRIM price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 27 | 30.9% |
| Analysts Target Price | 27 | 30.9% |
| ValueRay Target Price | 27.7 | 34.4% |
Last update: 2025-10-04 03:57
NRIM Fundamental Data Overview
P/E Trailing = 10.63
P/E Forward = 12.7714
P/S = 2.6831
P/B = 1.6312
Beta = 0.953
Revenue TTM = 222.8m USD
EBIT TTM = 58.3m USD
EBITDA TTM = 61.4m USD
Long Term Debt = 73.3m USD (from longTermDebt, last quarter)
Short Term Debt = 7.08m USD (from shortTermDebt, last quarter)
Debt = 80.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -36.7m USD (from netDebt column, last quarter)
Enterprise Value = 76.9m USD (469.6m + Debt 80.4m - CCE 473.2m)
Interest Coverage Ratio = 1.36 (Ebit TTM 58.3m / Interest Expense TTM 43.0m)
FCF Yield = 62.17% (FCF TTM 47.8m / Enterprise Value 76.9m)
FCF Margin = 21.46% (FCF TTM 47.8m / Revenue TTM 222.8m)
Net Margin = 20.13% (Net Income TTM 44.9m / Revenue TTM 222.8m)
Gross Margin = 78.99% ((Revenue TTM 222.8m - Cost of Revenue TTM 46.8m) / Revenue TTM)
Gross Margin QoQ = 78.54% (prev 84.12%)
Tobins Q-Ratio = 0.02 (Enterprise Value 76.9m / Total Assets 3.24b)
Interest Expense / Debt = 13.94% (Interest Expense 11.2m / Debt 80.4m)
Taxrate = 25.30% (3.99m / 15.8m)
NOPAT = 43.5m (EBIT 58.3m * (1 - 25.30%))
Current Ratio = 22.83 (Total Current Assets 161.6m / Total Current Liabilities 7.08m)
Debt / Equity = 0.28 (Debt 80.4m / totalStockholderEquity, last quarter 290.2m)
Debt / EBITDA = -0.60 (Net Debt -36.7m / EBITDA 61.4m)
Debt / FCF = -0.77 (Net Debt -36.7m / FCF TTM 47.8m)
Total Stockholder Equity = 274.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.38% (Net Income 44.9m / Total Assets 3.24b)
RoE = 16.35% (Net Income TTM 44.9m / Total Stockholder Equity 274.3m)
RoCE = 16.76% (EBIT 58.3m / Capital Employed (Equity 274.3m + L.T.Debt 73.3m))
RoIC = 13.92% (NOPAT 43.5m / Invested Capital 312.7m)
WACC = 9.66% (E(469.6m)/V(550.1m) * Re(9.53%) + D(80.4m)/V(550.1m) * Rd(13.94%) * (1-Tc(0.25)))
Discount Rate = 9.53% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.30%
[DCF Debug] Terminal Value 64.04% ; FCFE base≈33.4m ; Y1≈21.9m ; Y5≈10.0m
Fair Price DCF = 7.09 (DCF Value 156.6m / Shares Outstanding 22.1m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 63.25 | EPS CAGR: 6.45% | SUE: -0.52 | # QB: 0
Revenue Correlation: 97.60 | Revenue CAGR: 21.17% | SUE: 0.83 | # QB: 0
Additional Sources for NRIM Stock
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Fund Manager Positions: Dataroma | Stockcircle