NRIM · Northrim Bancorp Inc
Market Cap
$573.91M
Shares
22.24M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$25.65
Open$25.83
Day$25.63–26.38
Since split$19.75–29.76
Avg vol 30d140K
Short int777K · 3.5% float · 5.7d
Short vol44%
Last earningsNov 1, 2024
DataSep 2025–Aug 2026
Filing10-Q · Jul 31
Raw chart and full-history price indicators begin at the captured split on Sep 23, 2025; bars on opposite sides are not compared.
The closing range begins at the captured split on Sep 23, 2025.
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Jul 31, 2026
Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Neutral
Momentum
Weak
Sentiment
Bearish
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 14.4 · calm
Equity put/call 0.62
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+1%
above
Price vs 50-day avg
−4%
below
RSI (14)
39
neutral
MACD trend
Negative
52-week position
59%
mid-range
Momentum
relative strength
1-month return
−3%
trailing
6-month return
+14%
trailing
YTD return
−4%
this year
Relative strength
0%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $27 › 200d $25 — 50d above 200d
Institutional flow
Distributing
-4% holders QoQ · +18 funds added
Insider flow
Distributing
Net -$553.8K over 90 days · 100% sells
Short interest
Rising
3.49% of float · ▲ +19.9% MoM · 5.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
156 holders — mid 3-yr range
Squeeze score
57
elevated · 0–100
Fundamentals
Revenue growth
+30%
Y/Y
Gross margin
82%
expanding
EPS growth
+73%
Y/Y
Free cash flow
$133.9M
Valuation
P/E 8.5
below peers
Balance sheet
$64.2M
net cash
Quant / Vol
risk profile
Volatility
35%
annualized · 1-yr
Max drawdown
−25%
past year
ATR
2.6%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+1%
Bullish
Price vs 50-day avg
−4%
Neutral
RSI (14)
39
Neutral
MACD trend
Negative
Bearish
52-week position
59%
Neutral
Market signals — smart money & positioning
Bearish · 3 of 6
Trend (MA cross)
No cross
50d $27 › 200d $25 — 50d above 200d
Institutional flow
Distributing
-4% holders QoQ · +18 funds added
Insider flow
Distributing
Net -$553.8K over 90 days · 100% sells
Short interest
Rising
3.49% of float · ▲ +19.9% MoM · 5.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
156 holders — mid 3-yr range
Price context
position in its range since split · 2025-09-23
Range low $20
Now $26 · 59%
Range high $30
vs 200-day avg +1%
vs 50-day avg -4%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted efficiency ratio non-GAAP | 59.44% | Three Months Ended June 30, 2026 | — |
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| Adjusted net income non-GAAP | $15.34M | Three Months Ended June 30, 2026 | — |
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GAAP → non-GAAP reconciliationGAAP Net income $15.34M
+$0K Less: gain on sale by Pacific Wealth Advisors, net of tax
= Adjusted net income $15.34M
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| Adjusted return on average assets non-GAAP | 1.84% | Three Months Ended June 30, 2026 | — |
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| Adjusted return on average shareholders' equity non-GAAP | 17.77% | Three Months Ended June 30, 2026 | — |
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| Allowance for credit losses for loans / portfolio loans, net of gov't guarantees | 1.13% | June 30, 2026 | — |
| Allowance for credit losses on loans as a percentage of nonperforming loans | 117% | the second quarter of 2026 | — |
| Average cost of interest-bearing deposits | 1.71% | second quarter of 2026 | — |
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| Average interest-earning assets to average interest-bearing liabilities | 140.39% | Three Months Ended June 30, 2026 | — |
| Average non-interest deposits to average total deposits | 27.66% | Three Months Ended June 30, 2026 | — |
| Average portfolio loans to average interest-earning assets | 79.29% | Three Months Ended June 30, 2026 | — |
| Average portfolio loans to average total deposits | 83.71% | Three Months Ended June 30, 2026 | — |
| Average purchased receivables and loan balances for the Specialty Finance segment | $141.5M | second quarter of 2026 | — |
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| Core loans (excluding consumer mortgages) | $2.13B | second quarter of 2026 | — |
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| Cost of funds | 1.37% | Three Months Ended June 30, 2026 | — |
| Efficiency ratio | 59.44% | Three Months Ended June 30, 2026 | — |
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| Mortgage commitments | 87.03M | Three Months Ended June 30, 2026 | — |
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| Mortgage loan refinances to total fundings | 19% | Six Months Ended June 30, 2026 | — |
| Mortgage loans funded for investment | 56.19M | Six Months Ended June 30, 2026 | — |
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| Mortgage loans funded for sale | 362.52M | Six Months Ended June 30, 2026 | — |
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| Mortgage loans serviced for others | 1.66B | Three Months Ended June 30, 2026 | — |
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| Mortgage servicing revenue | 2.57M | Three Months Ended June 30, 2026 | — |
| Net interest income in the Community Banking segment | 33.24M | Three Months Ended June 30, 2026 | — |
| Net nonperforming assets - Total | $23.04M | June 30, 2026 | — |
| Net spread | 4.47% | Three Months Ended June 30, 2026 | — |
| NIM | 4.96% | Three Months Ended June 30, 2026 | — |
| NIMTE | 5.01% | the second quarter of 2026 | — |
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| Nonperforming assets, net of government guarantees / total assets | 0.67% | June 30, 2026 | — |
| Other operating income contributed | 31% | the second quarter of 2026 | — |
| Portfolio loans | $2.39B | second quarter of 2026 | — |
| Pre-provision pre-tax net revenue non-GAAP | $21.85M | Three Months Ended June 30, 2026 | — |
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| Return on average assets | 1.84% | Three Months Ended June 30, 2026 | — |
| Shares outstanding | 22,244,766 | June 30, 2026 | — |
| Tangible common equity/tangible assets non-GAAP | 8.82% | Three Months Ended June 30, 2026 | — |
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| Total mortgage banking income | 7.14M | Three Months Ended June 30, 2026 | — |
| Total mortgage loans funded | 418.72M | Six Months Ended June 30, 2026 | — |
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| Total production revenue | 5.21M | Three Months Ended June 30, 2026 | — |
| Weighted average interest rate for new loans booked | 7.25% | the second quarter of 2026 | — |
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| Yield on the investment portfolio | 3.79% | the second quarter of 2026 | — |
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| Allowance for credit losses for loans / portfolio loans | 1.05% | Q1 2026 | — |
| Allowance for credit losses on loans to nonperforming loans, net of government guarantees | 175% | the first quarter of 2026 | — |
| Common Equity Tier 1 Capital / Risk Adjusted Assets | 10.59% | Q1 2026 | — |
| Deposit market share in Alaska | 17.53% | as of June 30, 2025 | — |
| Home mortgage loans serviced | 6,637 | as of March 31, 2026 | — |
| Loan-to-deposit ratio | 82% | as of March 31, 2026 | — |
| Non-interest bearing demand deposits | 826.4M | the first quarter of 2026 | — |
| Nonperforming loans, net of government guarantees / portfolio loans | 0.6% | Q1 2026 | — |
| Tangible book value per share non-GAAP | $12.81 | Q1 2026 | — |
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| Tier 1 Capital / Risk Adjusted Assets | 10.95% | Q1 2026 | — |
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| Total Capital / Risk Adjusted Assets | 14.14% | Q1 2026 | — |
| Adjusted diluted earnings per share non-GAAP | $0.54 | three months ended December 31, 2025 | — |
| Allowance for credit losses to nonperforming loans, net of government guarantees | 210% | Q4 2025 | — |
| Average interest-earning assets | $2.99B | Q4 FY2025 | — |
| Average investment securities | $466.5M | Q4 FY2025 | — |
| Average net tax equivalent yield on the securities portfolio | 3.18% | Q4 FY2025 | — |
| Average portfolio loans | $2.27B | Q4 FY2025 | — |
| Average purchase receivables and loan balances at Northrim Funding Services | $70M | Q4 FY2025 | — |
| Average purchased receivables and loan balances at Sallyport | $65.5M | Q4 FY2025 | — |
| Average yield on interest-earning assets | 6.17% | Q4 FY2025 | — |
| Branches | 20 | Q4 FY2025 | — |
| Deposit customers | 34,000 | Q4 FY2025 | — |
| Funds available for borrowing under existing lines of credit | $578.6M | Q4 FY2025 | — |
| Home mortgage servicing portfolio | $1.63B | As of December 31, 2025 | — |
| Liquid assets and investments and loans maturing within one year | $1.06B | Q4 FY2025 | — |
| Mortgage loan originations | 231.2M | fourth quarter of 2025 | — |
| Net adversely classified loans | $33.5M | Q4 FY2025 | — |
| Net interest margin on a tax equivalent basis (NIMTE) non-GAAP | 4.75% | fourth quarter of 2025 | — |
| Net loan charge-offs | $495,000 | Q4 FY2025 | — |
| Nonperforming assets net of government guarantees | $11.4M | Q4 FY2025 | — |
| Nonperforming loans, net of government guarantees | $11.3M | Q4 2025 | — |
| Residential Mortgage-originated mortgage loans purchased to hold on balance sheet | $31.6M | Q4 2025 | — |
| ROAA | 2.02% | Full year 2025 | — |
| ROAE | 21.72% | Full year 2025 | — |
| Uninsured deposits | $1.07B | Q4 FY2025 | — |
| Uninsured deposits as percentage of total deposits | 38% | Q4 FY2025 | — |
| Weighted average interest rate of mortgage loans purchased to hold | 6.01% | Q4 2025 | — |
| Yield on average portfolio loans | 6.95% | Q4 FY2025 | — |
| Yield on Sallyport average purchased receivables and loan balances | 29.8% | Q4 FY2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
NRIM
this stock
Northrim Bancorp Inc
|
$573.91M | -3.6% | +30.4% | 8.5 | 3.5% |
|
MFG
Mizuho Financial Group Inc
|
$126.83B | +45.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$115.38B | -36.8% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$107.15B | +0.3% | — | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$106.80B | +26.1% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
Raw-price comparisons begin at the captured split on Sep 23, 2025; windows that need an earlier baseline remain unavailable.
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| NRIM | -0.6% | -3.2% | +13.7% | -3.2% | -3.6% |
| SPY | +0.5% | +3.0% | +13.4% | +3.0% | +12.8% |
| vs SPY | -1.1% | -6.2% | +0.3% | -6.2% | -16.4% |
Capital returns
Latest dividend
$0.16
/ share · ex Jun 11, 2026
Declared · upcoming
$0.17
/ share · ex Sep 10, 2026
Paid (TTM)
$0.64
/ share · 4 payouts
Dividend yield (TTM, derived)
2.50%
Buyback program
· as of Jan 27, 2023
Authorized
shares 285,000
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.