NRIM · Northrim Bancorp Inc
$23.30
-0.25 (-1.06%)
At close · Oct 19
Return incl. dividend (before tax)
Market Cap
$523.86M
Shares
22.24M
Volume · Oct 19
185.13K
Avg daily vol (3M)
143.29K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$23.30
Open$23.51
Day$23.07–23.69
52W close$20.79–29.76
Avg vol 30d150K
Short int1.2M · 5.6% float · 7.7d
Short vol29%
Last earningsNov 1, 2024
DataJan 2020–Oct 2026
Filing10-Q · Jul 31
Up next
filed Jul 31, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$263.21M
Trailing 12 months
Net income (TTM)
$68.52M
Trailing 12 months
Revenue growth YoY
+4.0%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
7.7
Trailing earnings · reciprocal yield 13.0%
FCF yield
35.5%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
$90.64M
Latest balance sheet
Dividend yield
2.8%
Trailing 12 months
Shares change YoY
+0.4%
Year over year · more shares
Price change (1Y)
+15.8%
Trailing year
Short interest
5.6%
Latest settlement · 7.7 days to cover
Quarterly results
* Q4 derived as the full year minus Q1 to Q3.
Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Sell
Momentum
Very Weak
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 18.4 · elevated
Equity put/call 0.55
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−8%
below
Price vs 50-day avg
−8%
below
RSI (14)
31
neutral
MACD trend
Negative
52-week position
28%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−8%
trailing
6-month return
−8%
trailing
YTD return
−12%
this year
Relative strength
−16%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $25 › 200d $25 — 50d above 200d
Institutional flow
Accumulating
12 of 155 funds reported for Sep 30 · net +52.7K sh shares
Insider flow
Distributing
Net -$553.0K over 90 days · 80% sells
Short interest
Rising
5.55% of float · ▲ +34.6% MoM · 7.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
155 holders — mid 3-yr range
Squeeze score
56
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 7.8
below peers
Balance sheet
$64.2M
net cash
Quant / Vol
risk profile
Volatility
33%
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 Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−8%
Bearish
Price vs 50-day avg
−8%
Bearish
RSI (14)
31
Neutral
MACD trend
Negative
Bearish
52-week position
28%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $25 › 200d $25 — 50d above 200d
Institutional flow
Accumulating
12 of 155 funds reported for Sep 30 · net +52.7K sh shares
Insider flow
Distributing
Net -$553.0K over 90 days · 80% sells
Short interest
Rising
5.55% of float · ▲ +34.6% MoM · 7.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
155 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $21
Now $23 · 28%
Range high $30
vs 200-day avg -8%
vs 50-day avg -8%
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 diluted earnings per share non-GAAP | $0.6 | Three Months Ended September 30, 2026 | — |
| Adjusted efficiency ratio non-GAAP | 56.06% | Three Months Ended September 30, 2026 | — |
| Adjusted net income non-GAAP | $13.45M | Three Months Ended September 30, 2026 | — |
GAAP → non-GAAP reconciliationGAAP Net income $14.41M
+$755K Plus: merger and acquisition costs of PBCO, net of tax
-$1.48M Less: gain on sale VISA shares, net of tax
-$239K Less: gain on sale by Pacific Wealth Advisors, net of tax
= Adjusted net income $13.45M
|
|||
| Adjusted return on average assets non-GAAP | 1.54% | Three Months Ended September 30, 2026 | — |
| Adjusted return on average shareholders' equity non-GAAP | 14.89% | Three Months Ended September 30, 2026 | — |
| Allowance for credit losses on loans as a percentage of nonperforming loans, net of government g | 82% | the end of the third quarter of 2026 | — |
| Allowance for credit losses on loans as a percentage of portfolio loans, net of guarantees | 1.46% | the end of the third quarter of 2026 | — |
| Average balance per deposit customer | $71,000 | September 30, 2026 | — |
| Average estimated duration of the investment portfolio | 2.9 | September 30, 2026 | — |
| Average interest bearing deposits in other banks | 114.2M | the third quarter of 2026 | — |
| Average interest-bearing deposits | 2.12B | the third quarter of 2026 | — |
| Average interest-earning assets | 3.12B | the third quarter of 2026 | — |
| Average investment securities | 464.3M | the third quarter of 2026 | — |
| Average loan balances for the Specialty Finance segment | 51.5M | the third quarter of 2026 | — |
| Average net tax equivalent yield on the securities portfolio | 4.22% | the third quarter of 2026 | — |
| Average portfolio loans | 2.46B | the third quarter of 2026 | — |
| Average purchased receivables balances for the Specialty Finance segment | 112.8M | the third quarter of 2026 | — |
| Average yield on interest-earning assets | 6.32% | the third quarter of 2026 | — |
| Book value per share | $16.01 | September 30, 2026 | — |
| Deposit customers | 33,000 | September 30, 2026 | — |
| Efficiency ratio | 55.62% | Three Months Ended September 30, 2026 | — |
| Loan-to-deposit ratio | 79% | September 30, 2026 | — |
| Mortgage commitments | 72.7M | Three Months Ended September 30, 2026 | — |
| Mortgage loan refinances to total fundings | 6% | Three Months Ended September 30, 2026 | — |
| Mortgage loans funded for sale | 188.97M | Three Months Ended September 30, 2026 | — |
|
|
|||
| Mortgage loans serviced for others | 1.7B | Three Months Ended September 30, 2026 | — |
| Net adversely classified loans | 52M | September 30, 2026 | — |
| Net loan charge-offs | $30,000 | the third quarter of 2026 | — |
| NIM | 4.96% | Three Months Ended September 30, 2026 | — |
|
|
|||
| NIMTE non-GAAP | 5.02% | the third quarter of 2026 | — |
| Nonperforming assets ("NPAs"), net of government guarantees | $42.9M | as of September 30, 2026 | — |
| Nonperforming loans, net of government guarantees | 16.5M | September 30, 2026 | — |
| Northrim's deposit market share in Alaska | 17.71% | as of June 30, 2026 | — |
| Pre-provision pre-tax net revenue non-GAAP | $26.47M | Three Months Ended September 30, 2026 | — |
GAAP → non-GAAP reconciliationGAAP Income before provision for income taxes $18.75M
+$7.72M Plus: provision for credit losses
= Pre-provision pre-tax net revenue $26.47M
|
|||
| Return on average assets | 1.65% | Three Months Ended September 30, 2026 | — |
| Return on average shareholders' equity | 15.96% | Three Months Ended September 30, 2026 | — |
| Tangible book value per share non-GAAP | $13.72 | September 30, 2026 | — |
| Tangible common equity/tangible assets non-GAAP | 8.65% | Three Months Ended September 30, 2026 | — |
| Tier 1 Capital to Risk Adjusted Assets | 11.04% | September 30, 2026 | — |
| Total mortgage banking income | 8.75M | Three Months Ended September 30, 2026 | — |
| Total mortgage loans funded | 231.98M | Three Months Ended September 30, 2026 | — |
| Total mortgage servicing revenue, net | 4.89M | Three Months Ended September 30, 2026 | — |
| Total production revenue | 3.55M | Three Months Ended September 30, 2026 | — |
| Uninsured deposits | 1.38B | September 30, 2026 | — |
| Yields on average portfolio loans | 6.87% | the third quarter of 2026 | — |
| Average interest-earning assets to average interest-bearing liabilities | 140.39% | the three months ended June 30, 2026 filing | — |
| Average loans to average interest-earning assets | 79.29% | the three months ended June 30, 2026 filing | — |
| Average loans to average total deposits | 83.71% | the three months ended June 30, 2026 filing | — |
| Average non-interest deposits to average total deposits | 27.66% | the three months ended June 30, 2026 filing | — |
| Average nonaccrual loans included in average loan balances | $16.4M | the second quarter of 2026 filing | — |
| Average purchased receivables and loan balances, Specialty Finance segment | $141.5M | the second quarter of 2026 filing | — |
| Dividend payout ratio | 23.91% | the three months ended June 30, 2026 filing | — |
| Return on average assets, annualized | 1.84% | the three months ended June 30, 2026 filing | — |
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
|
$523.86M | -12.4% | +30.4% | 7.8 | 5.6% |
|
MFG
Mizuho Financial Group Inc
|
$122.78B | +37.6% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.62B | -36.8% | -3.2% | — | 0.7% |
|
IBN
Icici Bank Ltd
|
$105.82B | -1.1% | — | — | 0.6% |
|
ITUB
Itau Unibanco Holding S.A.
|
$103.94B | +31.7% | — | — | 0.2% |
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
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| NRIM | -4.6% | -7.6% | -8.5% | -3.8% | -12.4% |
| SPY | -1.5% | -0.9% | +7.7% | +0.5% | +12.4% |
| vs SPY | -3.1% | -6.7% | -16.2% | -4.3% | -24.8% |
Capital returns
Latest dividend
$0.17
/ share · ex Sep 10, 2026
Paid (TTM)
$0.65
/ share · 4 payouts
Dividend yield (TTM, derived)
2.79%
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.
Key facts
CIK
1163370
CUSIP
666762109
13F (30d)
12 filings
12 filers
Visit website
Investor relations