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Northrim BanCorp Inc

NRIM Financial Banks Regional

Northrim BanCorp Inc’s revenue for fiscal 2025 (year ended December 2025) was $255.6 million, up 30.4% from fiscal 2024.

Revenue
−9.44%
EPS
−48.0%
Free cash flow
−116.0%
Total debt
+250.9%

Quarter to September 2026, against a year earlier

23.54 0.03 −0.13%
Market cap
$524.3M
P/E
9.4×
Fwd P/E
9.5×
Dividend yield
2.76%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.17
Sold, $m 0.58
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 3 2 — — — — — — — 1 — —
Sell — — — — — — — 2 2 — — —
Insider Ownership 2.85%

Capital & Financial Ratios $m

Size
Market Cap 524.31
Revenue ttm 255.92
Net income ttm 55.87
Free cash flow ttm 82.00
Net debt Q (173.35)
Valuation
P/E 9.37
Forward P/E 9.46
Price / sales 2.04
Forward P/S Powerpack
Price / FCF 6.45
Price / book 1.47
Financial health
Current ratio Q 0.94
Debt / equity Q 0.23
Interest coverage Q —
Growth
Revenue growth Q −9.44% (below 0%: shrinking)
Operating income growth Q −45.77% (below 0%: shrinking)
EPS, this year +6.02%
EPS, next year A +7.13%
Revenue, next year A −15.25% (below 0%: weak)
EPS, past 5 yrs +17.57% (at or above 15%: strong)
EPS, next 5 yrs A +6.81%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 41.18%
10-year low 10-year high
P/S against its own 10 years 52.33%
10-year low 10-year high
P/B against its own 10 years 79.13%
10-year low 10-year high

Dividends raised every year since 2017

Yield
2.76%
Annual rate
0.65
Payout ratio
26.3%
Growth, 2017–25
+14.6%/yr
  1. 0.22 ’17
  2. 0.26 ’18 +19
  3. 0.32 ’19 +24
  4. 0.35 ’20 +10
  5. 0.38 ’21 +9
  6. 0.46 ’22 +21
  7. 0.60 ’23 +32
  8. 0.62 ’24 +3
  9. 0.64 ’25 +4
  10. 0.66 ’26e +3
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 132 71 154 255
Receivables — — — —
Inventory — — — —
Other — — — —
1,973 2,313 2,628 2,861
2023 2024 2025 Q'26
Payables 2,485 2,680 2,813 3,051
ST’ Debt — — — —
Other — — — —
2,485 2,680 2,813 3,051

Compound Annual Growth %

10y 5y 3y
Sales 9.37% 12.79% 23.89%
Cash Flow 29.34% 0.00% 21.30%
Earnings 13.77% 14.46% 28.09%
Book Value 6.30% 8.06% 14.31%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.71 Actual 0.60

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.64 0.54 Miss by 0.10
Q1 FY26 0.53 0.61 Beat by 0.08
Q2 FY26 0.61 0.68 Beat by 0.07
Q3 FY26 0.71 0.60 Miss by 0.11
Q4 FY26 0.65 — Reports 22 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.61 0.68 0.63 — —
’25 0.60 0.52 1.20 0.55 2.87
’24 0.37 0.41 0.39 0.49 1.66
’23 0.21 0.25 0.37 0.30 1.12
’22 0.30 0.21 0.44 0.37 1.32
’21 0.49 0.33 0.36 0.33 1.50
’20 0.04 0.38 0.46 0.40 1.28
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 60 64 70 — —
’25 55 61 77 62 256
’24 44 46 51 55 196
’23 35 39 42 42 158
’22 31 31 36 36 134
’21 36 34 34 32 137
’20 24 37 41 38 140
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 27 40 (14) — —
’25 17 (4) 92 35 139
’24 (6) (38) 0 36 (9)
’23 4 (27) 11 50 39
’22 20 (5) 26 37 78
’21 45 24 5 38 112
’20 (17) (30) 20 (9) (36)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 24 39 (14) — —
’25 16 (5) 90 33 134
’24 (7) (40) (1) 37 (9)
’23 3 (29) 9 49 32
’22 19 (5) 25 36 74
’21 44 23 5 38 109
’20 (19) (30) 19 (10) (40)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 102 101 96 107 140 137 134 158 196 256 256 +10.7% 217 271 285 +3.7%
Gross margin, % 97.49 97.58 96.92 94.75 95.68 97.24 96.12 81.88 79.21 83.27 83.90 (14.2) pt
EBT 21 24 24 26 42 48 38 32 47 85 74 +16.7%
EBT margin, % 20.59 23.66 24.99 24.32 30.31 35.06 28.64 19.96 23.98 33.07 28.73 +12.5 pt
Net income 15 13 20 21 33 38 31 25 37 65 56 +17.6%
Per share, $
Per share, $ Revenue 3.71 3.65 3.50 4.00 5.51 5.54 5.83 7.07 8.90 11.57 11.50 +13.5%
Earnings 0.52 0.48 0.73 0.77 1.30 1.52 1.33 1.13 1.68 2.92 2.51 +21.1%
Cash flow 0.73 0.70 0.91 (0.03) (1.43) 4.53 3.39 1.73 (0.40) 6.31 3.97 +27.1%
Capex (0.07) (0.26) (0.15) (0.11) (0.13) (0.10) (0.17) (0.28) (0.03) (0.25) (0.28) +15.3%
Free cash flow 0.66 0.44 0.77 (0.14) (1.56) 4.43 3.22 1.45 (0.42) 6.06 3.69 +27.9%
Book value 6.78 7.00 7.49 7.72 8.72 9.62 9.48 10.48 12.14 14.78 16.01 +9.0%
Shares, m 28 28 28 27 25 25 23 22 22 22 22 (2.4%)
Valuation, ×
Valuation, × P/E 14.95 17.77 11.30 12.44 6.54 7.17 10.23 12.54 11.60 9.10 9.37 11.4
P/S 2.10 2.31 2.35 2.39 1.54 1.96 2.34 2.01 2.19 2.30 2.04 2.1
P/B 1.15 1.21 1.10 1.24 0.97 1.13 1.44 1.36 1.61 1.80 1.47 1.3
EV/Sales 1.83 1.66 1.65 1.61 0.83 (2.64) 0.51 1.33 1.99 2.02 — 1.1
EV/FCF 10.28 9.34 10.29 (43.73) (2.89) (3.29) 0.93 6.48 (38.15) 3.87 — (4.7)
Cash, $m
Cash, $m Operating cash flow 20 19 25 (1) (36) 112 78 39 (9) 139 88 +24.0%
Capex (2) (7) (4) (3) (3) (3) (4) (6) (1) (5) (6) +12.5%
Free cash flow 18 12 21 (4) (40) 109 74 32 (9) 134 82 +24.8%
Balance, $m
Balance, $m Working capital (225) (203) (164) (152) (117) (285) (582) (512) (367) (185) (190) (2.2%)
Net debt (28) (66) (67) (84) (100) (629) (246) (108) (38) (73) (173) +11.3%
Shareholders’ equity 187 193 206 207 222 238 219 235 267 327 356 +6.4%
Returns, %
Returns, % ROA 0.95 0.86 1.32 1.31 1.75 1.55 1.14 0.93 1.26 2.04 1.62 +1.1 pt
ROIC 8.27 12.06 11.21 13.28 21.80 0.00 0.00 15.55 12.82 20.80 25.15 +12.5 pt
ROE 7.92 6.93 10.03 10.02 15.34 16.33 13.47 11.20 14.73 21.77 16.63 +13.9 pt
People
People Employees 451 429 430 431 438 451 469 472 503 516 — +1.5%
Revenue/emp, $m 0.23 0.23 0.22 0.25 0.32 0.30 0.29 0.34 0.39 0.50 — +9.1%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Northrim BanCorp Inc vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BSVN Bank7 Corp. $556.7M 13.2× 16.2× −7.40% (below 0%: shrinking) −25.42% (below 0%: shrinking) +20.62% (above 0%: growing) 71.74% 0.00% Compare
NPB Northpointe Bancshares, Inc. $549.2M 6.8× 7.9× +11.60% (above 0%: growing) +17.31% (above 0%: growing) +105.45% (above 0%: growing) 49.88% 0.00% Compare
COFS ChoiceOne Financial Services, Inc. $548.6M 10.1× 9.9× −2.56% (below 0%: shrinking) −7.78% (below 0%: shrinking) +165.17% (above 0%: growing) 70.71% 0.00% Compare
CBAN Colony Bankcorp, Inc. $546.8M 12.1× 12.0× +23.45% (above 0%: growing) +10.87% (above 0%: growing) −48.88% (below 0%: shrinking) 72.54% 0.00% Compare
BSRR Sierra Bancorp $544.1M 10.8× 10.9× −2.62% (below 0%: shrinking) +63.01% (above 0%: growing) +41.03% (above 0%: growing) 79.16% 0.00% Compare
OBT Orange County Bancorp, Inc. $534.6M 11.2× 10.5× −16.27% (below 0%: shrinking) +17.24% (above 0%: growing) +491.65% (above 0%: growing) 81.95% 0.00% Compare
PDLB Ponce Financial Group, Inc. $528.0M 11.3× 2.1× +20.72% (above 0%: growing) +188.89% (above 0%: growing) +1,603.44% (above 0%: growing) 59.70% 0.00% Compare
NRIM Northrim BanCorp Inc $524.3M 9.4× 9.5× −9.44% (below 0%: shrinking) −47.97% (below 0%: shrinking) −115.99% (below 0%: shrinking) 85.30% 0.00%
WTBA West Bancorporation, Inc. $523.4M 12.9× 11.5× +1.00% (above 0%: growing) +24.04% (above 0%: growing) +44.69% (above 0%: growing) 56.06% 0.00% Compare
Median of peers $545.4M 11.3× 10.7× −0.78% +17.28% +75.07% 71.23% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 14 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.49m 2.21m 381.00

Ownership

Directors and executive officers, together 2.40%
Austin, TX 6.10%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Northrim BanCorp Inc (NRIM) Latest News

22 Oct

Impact 4 · · GlobeNewswire

21 Oct

Impact 4 · · Business Wire

16 Oct

Impact 4 · · Simply Wall St.

15 Oct

Impact 3 · · Zacks
Impact 3 · · Associated Press

13 Oct

Impact 3 · · Zacks

5 Oct

Impact 3 · · Zacks

27 Jul

Impact 4 ·

23 Jul

Impact 4 · · bankingdive.com

22 Jul

Impact 4 ·
Impact 3 ·

22 Apr

Impact 4 · · Zacks
Impact 4 · · Zacks
Impact 3 · · GlobeNewswire

4 Feb

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

23 Jan

Impact 3 · · Zacks
Impact 3 · · Associated Press FinanceMT NewswiresAssociated Press FinanceAssociated Press FinanceMT NewswiresAssociated Press FinanceMT NewswiresAssociated Press Finance
Impact 3 · · GlobeNewswire

21 Jan

Impact 3 · · Simply Wall St.

12 Jan

Impact 4 · · Zacks

31 Dec

Impact 4 · · Zacks

26 Dec

Impact 4 · · Zacks

25 Dec

Impact 4 · · Simply Wall St.

24 Dec

Impact 3 · · Simply Wall St.

23 Dec

Impact 3 · · ZacksZacksZacks

18 Dec

Impact 4 · · Simply Wall St.

15 Dec

Impact 4 ·
Impact 3 · · Zacks

12 Dec

Impact 3 · · Zacks
stockrow.com/NRIM · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com