NRIM
BULLISH
$24.53
Live
Northrim BanCorp, Inc. · NASDAQ
Target $31.0
(+26.4%)
$17.75
52W Range
$30.82
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 15, 2026
Market cap
$542.8M
P/E
8.55
ROE
21.8%
Profit margin
30.9%
Debt/Equity
N/A
Dividend yield
2.61%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
NRIM presents a compelling value opportunity, anchored by a stable Piotroski F-Score of 4/9 and a significant valuation discount. The stock is trading at $24.53, well below its Graham Number ($30.88) and substantially below its growth-based intrinsic value ($72.61). High profitability is evident through an ROE of 21.77% and a low P/E of 8.55. While technical trends are currently bearish and recent quarterly earnings have been inconsistent, the long-term growth trajectory and sustainable dividend profile support a bullish outlook.
Key Strengths
Significant undervaluation relative to Graham Number ($30.88) and Intrinsic Value ($72.61)
Strong profitability with an ROE of 21.77% and ROA of 2.04%
Low valuation multiple (P/E of 8.55) compared to sector averages
Robust revenue growth (17.20% YoY) and strong long-term price appreciation (178.5% over 5 years)
Highly sustainable dividend payout ratio of 22.30%
Key Risks
Bearish technical trend (0/100) indicating short-term price pressure
Recent earnings inconsistency with only 1 of the last 4 quarters beating estimates
Negative most recent Q/Q EPS growth (-23.9%)
Limited analyst coverage (only 2 analysts), increasing information risk
Exposure to regional banking sector volatility
AI Fair Value Estimate
Based on comprehensive analysis
$38.5
+57.0% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
73
Strong
92
65
85
55
70
AI Verdict
Undervalued Quality
Key drivers: Deep value gap, High ROE, Strong long-term growth
Confidence
80%
Value
92/100
Ref P/E 8.55, Graham Number $30.88
Positives
- P/E 8.55 is very low
- Price is ~20% below Graham Number
Watchpoints
No urgent risks highlighted.
Future
65/100
Ref Growth rates and Earnings surprises
Positives
- 17.2% YoY Revenue growth
Watchpoints
- Recent Q/Q EPS decline
- Poor recent earnings surprise track record
Past
85/100
Ref Historical price performance
Positives
- 5Y Change +178.5%
- Consistent long-term capital appreciation
Watchpoints
No urgent risks highlighted.
Health
55/100
Ref Piotroski F-Score 4/9; Altman Z-Score N/A for banks
Positives
- Piotroski F-Score 4/9 indicates stability
Watchpoints
- F-Score is not in the 'Strong' range (7-9)
Dividend
70/100
Ref Yield 2.61%, Payout 22.30%
Positives
- Very low payout ratio (22.3%) suggests room for growth
Watchpoints
- Yield (2.61%) is modest for a regional bank
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$24.53
Analyst Target
$31.0
Upside/Downside
+26.4%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for NRIM and closest competitors.
Updated 2026-04-14
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
NRIM
Northrim BanCorp, Inc.
Primary
|
+178.5% | +143.9% | +43.0% | +15.8% | +7.8% | +2.8% |
|
BME
BlackRock Health Sciences Trust
Peer
|
+19.4% | +22.4% | +13.7% | +20.6% | +2.5% | +1.8% |
|
AROW
Arrow Financial Corporation
Peer
|
+14.4% | +38.0% | +30.5% | +14.0% | -7.1% | -2.9% |
|
ACIC
American Coastal Insurance Corporation
Peer
|
+65.7% | +399.5% | +1.6% | +9.0% | +2.3% | -2.8% |
|
BLW
BlackRock Limited Duration Income Trust
Peer
|
+34.9% | +35.5% | +6.4% | +2.4% | +0.9% | +0.6% |
NRI
Northrim BanCorp, Inc.
Primary
5Y
+178.5%
3Y
+143.9%
1Y
+43.0%
6M
+15.8%
1M
+7.8%
1W
+2.8%
BME
BlackRock Health Sciences Trust
Peer
5Y
+19.4%
3Y
+22.4%
1Y
+13.7%
6M
+20.6%
1M
+2.5%
1W
+1.8%
ARO
Arrow Financial Corporation
Peer
5Y
+14.4%
3Y
+38.0%
1Y
+30.5%
6M
+14.0%
1M
-7.1%
1W
-2.9%
ACI
American Coastal Insurance Corporation
Peer
5Y
+65.7%
3Y
+399.5%
1Y
+1.6%
6M
+9.0%
1M
+2.3%
1W
-2.8%
BLW
BlackRock Limited Duration Income Trust
Peer
5Y
+34.9%
3Y
+35.5%
1Y
+6.4%
6M
+2.4%
1M
+0.9%
1W
+0.6%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
8.55
Forward P/E
8.84
PEG Ratio
N/A
P/B Ratio
1.66
P/S Ratio
2.6
EV/Revenue
2.32
EV/EBITDA
N/A
Market Cap
$542.8M
Profitability
Profit margins and return metrics
Profit Margin
30.93%
Operating Margin
34.47%
Gross Margin
N/A
ROE
21.77%
ROA
2.04%
Growth
Revenue and earnings growth rates
Revenue Growth
+17.2%
Earnings Growth
+12.2%
Q/Q Revenue Growth
+50.13%
Q/Q Earnings Growth
+13.9%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$6.99
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.1B
Net Margin
18.9%
Total Assets
$3.3B
Liabilities
$3.0B
Equity
$0.3B
Debt/Equity
9.08x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
94%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-29
$N/A
2026-01-23
$0.54
-18.2% surprise
2025-10-22
$0.71
+21.1% surprise
2025-07-23
$0.52
-7.9% surprise
Financial Services Sector Comparison
Comparing NRIM against 484 companies in the Financial Services sector
(87 bullish, 202 neutral, 195 bearish)
P/E Ratio
8.55
This Stock
vs
46.02
Sector Avg
-81.4%
(Discount)
Return on Equity (ROE)
21.77%
This Stock
vs
0.23%
Sector Avg
+9415.0%
(Excellent)
Profit Margin
30.93%
This Stock
vs
50.44%
Sector Avg
-38.7%
(Weaker)
Revenue Growth
17.2%
This Stock
vs
37.35%
Sector Avg
-53.9%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
NRIM
Northrim BanCorp, Inc.
|
BULLISH | $542.8M | 8.55 | 21.8% | 30.9% | $24.53 | |
|
BME
BlackRock Health Sciences Trust
|
BEARISH | $545.27M | - | -4.6% | -% | $42.19 | Compare |
|
AROW
Arrow Financial Corporation
|
NEUTRAL | $534.14M | 12.26 | 10.6% | 27.8% | $32.48 | Compare |
|
ACIC
American Coastal Insurance...
|
BEARISH | $551.54M | 6.54 | 38.6% | 31.9% | $11.31 | Compare |
|
BLW
BlackRock Limited Duration...
|
BEARISH | $533.36M | 9.91 | 9.9% | 81.9% | $13.77 | Compare |
NRIM
Northrim BanCorp, Inc.
BULLISH
Mkt Cap
$543M
P/E
8.5
ROE
21.8%
Price
$24.53
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-23 | HUSTON MICHAEL G | Chief Executive Officer | Stock Award | 17,143 | - |
| 2026-03-23 | BALLARD JED W | Chief Financial Officer | Stock Award | 15,025 | - |
| 2026-01-30 | BALLARD JED W | Chief Financial Officer | Purchase | 1,290 | $29,979 |
| 2026-01-29 | HUSTON MICHAEL G | Chief Executive Officer | Purchase | 1,500 | $34,200 |
| 2025-12-10 | THOMAS LINDA C | Director | Purchase | 800 | $19,960 |
| 2025-12-09 | SCHIERHORN JOSEPH M | Chairman of the Board | Option Exercise | 41,692 | $347,086 |
| 2025-12-09 | MCCAMBRIDGE DAVID J | Director | Purchase | 1,150 | $28,600 |
| 2025-12-09 | HEGNA SHAUNA | Director | Purchase | 1,186 | $29,942 |
HUSTON MICHAEL G
Chief Executive Officer
2026-03-23
17,143 shares
BALLARD JED W
Chief Financial Officer
2026-03-23
15,025 shares
BALLARD JED W
Chief Financial Officer
2026-01-30
1,290 shares
·
$29,979
HUSTON MICHAEL G
Chief Executive Officer
2026-01-29
1,500 shares
·
$34,200
THOMAS LINDA C
Director
2025-12-10
800 shares
·
$19,960
SCHIERHORN JOSEPH M
Chairman of the Board
2025-12-09
41,692 shares
·
$347,086
MCCAMBRIDGE DAVID J
Director
2025-12-09
1,150 shares
·
$28,600
HEGNA SHAUNA
Director
2025-12-09
1,186 shares
·
$29,942
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning NRIM from our newsroom.
Newest → oldest
No matching news yet.