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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. In the quarter to June 2026, revenue grew 3.99%, EPS grew 29.6%, free cash flow grew 934.7% and total debt rose 11.2%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three; insiders bought in the last twelve months.

23.55 0.88 −3.60%
Market cap
$543.4M
P/E
7.6×
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 Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.17
Total sells 0.58
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — 3 2 — — — — — — — 1 —
Sell — — — — — — — — 2 2 — —
Insider Ownership 2.85%

Capital & Financial Ratios $m

Market Cap 543.44
Revenue 263.21
Net Income 68.52
Free Cash Flow 186.09
Net Debt (101.95)
Current Ratio 0.94
Debt/Equity 0.23
P/E ratio 7.60
Fwd P/E 9.54
P/S ratio 1.99
P/B ratio 1.51
Past 5Y EPS Growth 17.57% (at or above 15%: strong)
This Y EPS Growth 11.48%
Next Y EPS Growth 4.65%
Next Y revenue growth (15.76%) (below 0%: weak)
Next 5Y EPS Growth 6.81%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 16.26%
10-year low 10-year high
P/S against its own 10 years 47.70%
10-year low 10-year high
P/B against its own 10 years 81.64%
10-year low 10-year high

Dividends

Payout Ratio 0.21
Annual Dividend Rate 0.65
Annual Dividend Yield 2.76%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.65
0.16
0.16
0.17
2025 0.64
0.16
0.16
0.16
0.16
2024 0.62
0.15
0.15
0.16
0.16
2023 0.60
0.15
0.15
0.15
0.15
2022 0.46
0.10
0.10
0.13
0.13
2021 0.38
0.09
0.09
0.10
0.10
2020 0.35
0.09
0.09
0.09
0.09
2019 0.32
0.08
0.08
0.08
0.08
2018 0.26
0.06
0.06
0.07
0.07
2017 0.22
0.05
0.05
0.06
0.06
2016 0.20
0.05
0.05
0.05
0.05
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 132 71 154 184
Receivables — — — —
Inventory — — — —
Other — — — —
1,973 2,313 2,628 2,750
2023 2024 2025 Q'26
Payables 2,485 2,680 2,813 2,919
ST’ Debt — — — —
Other — — — —
2,485 2,680 2,813 2,919

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%

Revenue $m

Mar Jun Sep Dec Year
’26 60 64 — — —
’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 — — —
’25 17 (4) 93 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 — — —
’25 16 (5) 90 32 134
’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.

EPS $

Mar Jun Sep Dec Year
’26 0.61 0.68 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 5.40 6.58 7.42 7.84 4.33 7.93 9.61 8.32 10.98 16.18

Analyst estimates 2026–2028

Powerpack
High 8.25 9.54 11.35 10.57 10.16 12.05 14.19 14.98 22.93 28.21
People
People Employees 451 429 430 431 438 451 469 472 503 516
Revenue/emp, $m 0.23 0.23 0.22 0.25 0.32 0.30 0.29 0.34 0.39 0.50
Income, $m
Income, $m Revenue 102 101 96 107 140 137 134 158 196 256
Gross margin, % 97.49 97.58 96.92 94.75 95.68 97.24 96.12 81.88 79.21 83.27
EBT 21 24 24 26 42 48 38 32 47 85
EBT margin, % 20.59 23.66 24.99 24.32 30.31 35.06 28.64 19.96 23.98 33.07
Net income 15 13 20 21 33 38 31 25 37 65
Depreciation 3 4 3 4 4 5 4 4 4 4
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
Earnings 0.52 0.48 0.73 0.77 1.30 1.52 1.33 1.13 1.68 2.92
Cash flow 0.73 0.70 0.91 (0.03) (1.43) 4.53 3.39 1.73 (0.40) 6.31
Capex (0.07) (0.26) (0.15) (0.11) (0.13) (0.10) (0.17) (0.28) (0.03) (0.25)
Free cash flow 0.66 0.44 0.77 (0.14) (1.56) 4.43 3.22 1.45 (0.42) 6.06
Book value 6.78 7.00 7.49 7.72 8.72 9.62 9.48 10.48 12.14 14.78
Shares, m 28 28 28 27 25 25 23 22 22 22
Valuation, ×
Valuation, × P/E 14.95 17.77 11.30 12.44 6.54 7.17 10.23 12.54 11.60 9.10
P/S 2.10 2.31 2.35 2.39 1.54 1.96 2.34 2.01 2.19 2.30
P/B 1.15 1.21 1.10 1.24 0.97 1.13 1.44 1.36 1.61 1.80
EV/Sales 1.83 1.66 1.65 1.61 0.83 (2.64) 0.51 1.33 1.99 2.02
EV/FCF 10.28 9.34 10.29 (43.73) (2.89) (3.29) 0.93 6.48 (38.15) 3.87
Cash, $m
Cash, $m Operating cash flow 20 19 25 (1) (36) 112 78 39 (9) 139
Capex (2) (7) (4) (3) (3) (3) (4) (6) (1) (5)
Free cash flow 18 12 21 (4) (40) 109 74 32 (9) 134
Balance, $m
Balance, $m Working capital (225) (203) (164) (152) (117) (285) (582) (512) (367) (185)
Total debt 23 18 18 19 25 25 24 24 33 82
Net debt (28) (66) (67) (84) (100) (629) (246) (108) (38) (73)
Shareholders’ equity 187 193 206 207 222 238 219 235 267 327
Returns, %
Returns, % ROA 0.95 0.86 1.32 1.31 1.75 1.55 1.14 0.93 1.26 2.04
ROIC 8.27 12.06 11.21 13.28 21.80 0.00 0.00 15.55 12.82 20.80
ROE 7.92 6.93 10.03 10.02 15.34 16.33 13.47 11.20 14.73 21.77
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
BWB Bridgewater Bancshares, Inc. $568.0M 10.9× 9.5× +2.96% (above 0%: growing) +23.68% (above 0%: growing) +287.44% (above 0%: growing) 54.53% 0.00% Compare
SFST Southern First Bancshares, Inc. $566.3M 12.6× 11.5× +10.76% (above 0%: growing) +50.62% (above 0%: growing) +66.02% (above 0%: growing) 58.21% 0.00% Compare
UNTY Unity Bancorp, Inc. $563.0M 9.6× 9.5× +0.29% (above 0%: growing) −12.20% (below 0%: shrinking) −57.88% (below 0%: shrinking) 69.50% 0.00% Compare
SUPV Grupo Supervielle S.A. $559.2M — (loss-making) — −1.93% (below 0%: shrinking) −28.57% (below 0%: shrinking) −129.06% (below 0%: shrinking) 64.28% 0.00% Compare
CIVB Civista Bancshares, Inc. $558.0M 9.9× 9.4× +4.29% (above 0%: growing) −2.82% (below 0%: shrinking) +44.49% (above 0%: growing) 72.61% 0.00% Compare
NRIM Northrim BanCorp Inc $543.4M 7.6× 9.5× +3.99% (above 0%: growing) +29.58% (above 0%: growing) +934.70% (above 0%: growing) 84.32% 0.00%
NPB Northpointe Bancshares, Inc. $540.2M 6.6× 6.5× +11.60% (above 0%: growing) +17.31% (above 0%: growing) +105.45% (above 0%: growing) 49.88% 0.00% Compare
BSVN Bank7 Corp. $528.6M 13.1× 10.1× −7.40% (below 0%: shrinking) −25.42% (below 0%: shrinking) +20.62% (above 0%: growing) 71.74% 0.00% Compare
BWFG Bankwell Financial Group, Inc. $519.5M 12.1× 9.9× +9.58% (above 0%: growing) +33.62% (above 0%: growing) +64.68% (above 0%: growing) 59.05% 0.00% Compare
Median of peers $558.6M 10.9× 9.5× +3.63% +7.25% +54.59% 61.67% 0.00%

All 323 Banks Regional stocks →

Northrim BanCorp Inc (NRIM) key facts

  • Strength: Northrim BanCorp Inc’s revenue for fiscal 2025 (year ended December 2025) was $255.6 million, up 30.4% from fiscal 2024.
  • Strength: Net income was $64.6 million, or $2.92 per share (basic), a net margin of 25.3%.
  • Northrim BanCorp Inc (NRIM) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, NRIM traded at $23.55, a market capitalization of $543.4 million.
  • At that price the stock trades at 7.6× trailing-twelve-month earnings and 2.0× sales; its P/E is higher than 16% of its own readings over the past ten years.
  • Northrim BanCorp Inc pays an annual dividend of $0.65 per share, a yield of 2.76%, with a payout ratio of 21.4%.
  • Return on equity was 21.8% and debt-to-equity 0.23.
  • Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Northrim BanCorp Inc (NRIM) Latest News

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stockrow.com/NRIM · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com