What is the rating for NRIM stock?

NORTHRIM BANCORP INC (NRIM) has a "Avoid" rating based on our 6-factor quantitative model. It has a composite score of 33.8 and ranks #4219 out of 7,333 stocks in our coverage universe with a 1-star rating.

Is NRIM a good stock to buy?

Based on our quantitative analysis, NRIM receives a "Avoid" rating with 1 out of 5 stars. Key factors include: Quality score of 31.8, Value score of 53, and Momentum score of 11.8. The timing score is 49, indicating "Neutral" entry conditions. This is not investment advice - please conduct your own research.

What sector is NRIM in?

NORTHRIM BANCORP INC (NRIM) operates in the Finance, Insurance, And Real Estate sector, specifically in the Banking industry. It has a market capitalization of $0.48 billion.

What is NRIM's P/E ratio?

NRIM has a P/E (Price-to-Earnings) ratio of 8.80x. This helps investors assess whether the stock is trading at a premium or discount relative to its earnings.

Does NRIM pay a dividend?

NRIM does not currently pay a dividend.

What is NRIM's market cap?

NORTHRIM BANCORP INC (NRIM) has a market capitalization of $0.48 billion, making it a small-cap stock.

What are the risks of investing in NRIM?

Key risk factors for NRIM include: higher volatility, elevated debt levels, and general market risk. As with all investments, there is risk of loss.

How does NRIM compare to peers?

Within the Finance, Insurance, And Real Estate sector, NRIM ranks #4219 overall with a quality score of 31.8/100 and value score of 53/100.

What is NRIM's revenue growth?

NRIM has revenue growth of 109.2% year-over-year.

What is NRIM's composite score?

NORTHRIM BANCORP INC (NRIM) has a composite score of 33.8/100, which places it at rank #4219 out of 7,333 stocks. This score is derived from our proprietary 6-factor quantitative model that evaluates quality, value, momentum, investment efficiency, stability, and short interest.

How does NRIM compare to the S&P 500?

NRIM ranks in the top 42% of all stocks in our coverage universe with a composite score of 33.8. This places it below the market median.

What are the bull and bear cases for NRIM?

Bull case: NRIM scores highest in short interest at 76.3/100, indicating strong performance in this area. Bear case: The weakest factor is momentum at 11.8/100, which may present a risk. Our overall assessment is Avoid with 1 out of 5 stars.

Is NRIM overvalued or undervalued?

NRIM appears fairly valued with a value factor score of 53/100.

What is NRIM's momentum score?

NRIM has a momentum score of 11.8/100, placing it in the weak category. This suggests recent price weakness and potential selling pressure.

When is NRIM's next earnings date?

For the latest earnings date and analysis for NRIM, visit our earnings calendar or check the NRIM stock page for real-time updates. Our AI-generated earnings reports provide in-depth analysis after each quarterly report.

Is NRIM a good stock to buy right now?

Based on our 6-factor quantitative model, NORTHRIM BANCORP INC (NRIM) receives a "Avoid" rating with a composite score of 33.8/100. It is ranked #4219 out of 7,333 stocks. Key factor scores: Quality 32/100, Value 53/100, Momentum 12/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for NRIM?

NORTHRIM BANCORP INC (NRIM) has a "Avoid" rating and 1-star score. The composite score of 33.8 ranks it #4219 among 7,333 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is NRIM in?

NORTHRIM BANCORP INC operates in the Finance, Insurance, And Real Estate sector (Banking industry) with a market cap of $476 million. It is classified as a small-cap stock.

Does NRIM pay a dividend?

NRIM does not currently pay a regular dividend. The company may be reinvesting profits for growth.

What is NRIM's P/E ratio?

NRIM has a trailing P/E ratio of 8.80x. The Finance, Insurance, And Real Estate sector average is 11.9x. This below-average P/E may indicate the stock is undervalued.

How profitable is NRIM?

NRIM's quality factor score is 32/100. Gross margin: 82.2%. ROE: 19.3% vs sector average 9.0%. High margins suggest pricing power and competitive moats.

How is NRIM valued compared to peers?

NRIM's value factor score is 53/100 (higher = cheaper). Key multiples: P/E 8.8x, EV/EBITDA 6.8x. Valuation is roughly in line with peers.

What is NRIM's debt level?

NRIM's debt-to-equity ratio is 949%. Sector average: 1%. Elevated leverage increases credit risk.

NRIM has a beta of 0.88, meaning it tracks the market. Stability score: 15/100.

Does NRIM have high short interest?

NRIM's short interest factor score is 76/100 (higher = less short selling). Very low short interest — broad institutional consensus.

NRIM Stock Analysis — NORTHRIM BANCORP INC Price Target & Forecast 2026

IMPORTANT DISCLAIMER: Blank Capital Research ("BCR") is a technology platform, not a registered investment advisor or broker-dealer. The algorithmically generated signals, scores, and rankings provided on this site ("God Mode" Signals) are for informational and research purposes only and do not constitute financial advice, investment recommendations, or an offer to sell or solicit an offer to buy any securities.

HYPOTHETICAL PERFORMANCE RESULTS: The "timing scores" and "regime signals" displayed are based on quantitative models. Hypothetical or simulated performance results have certain inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under-or-over compensated for the impact, if any, of certain market factors, such as lack of liquidity.

RISK OF LOSS: Trading in financial markets involves a high degree of risk and may result in the loss of your entire investment. Data provided by third-party sources (Intrinio, Snowflake) is believed to be reliable but is not guaranteed for accuracy or completeness. Past performance is not indicative of future results.

NRIM Stock Analysis — NORTHRIM BANCORP INC Price Target & Forecast 2026 | Blank Capital Research

Sector

Finance, Insurance, And Real Estate

Industry

Banking

Market Cap

$476M

Leadership

Joseph M. Schierhorn

Business Summary

Northrim BanCorp, Inc. operates in two segments, Community Banking and Home Mortgage Lending. The company offers noninterest-bearing checking accounts and interest-bearing time deposits. It also provides short and medium-term commercial loans, commercial credit lines, construction and real estate loans, and consumer loans. As of January 28, 2022, the company operated 17 branches in Anchorage, Alaska.

Operations

Headcount

450

Location

HQ Base

Pending Verification

Investor Relations

Fundamental Spot Check

Context: 2025

Valuation

Market Cap

$476M

P/E Ratio

8.8xOutperforming

P/B Ratio

1.70xLagging

P/S Ratio

2.30xOutperforming

EV/EBITDA

6.8xOutperforming

Dividend Yield

0.00%

Efficiency & Risk

Gross Margin

82.2%Outperforming

Operating Margin

32.9%Outperforming

ROE

19.3%Outperforming

Rev Growth (YoY)

109.2%

Debt/Equity

949.00xLagging

Beta

0.88

Red = Sector Laggard

Black = Market Average

Revenue Breakdown

Strategic Timing Audit

WEAK

0/6

Negative Alignment — Extreme Caution

Quantitative Factor Convergence Analysis Verified

Momentum

12th pctl

Intelligence Feed

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Earnings Call Transcripts

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Financial Intelligence Ledger

Verified SEC Filings Aggregate • NRIM

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Metric Entity	10Y Historical Trend	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Revenue		$196M48.5%	$132M31.5%	$100M18.6%	$85M36.9%	$134M31.6%	$102M0.9%	$101M4.8%	$106M6.4%	$100M1.9%	$102M
Cost of Revenue		$44M	—	—	—	$63M69.6%	$37M5.9%	$40M17.8%	$48M11.6%	$43M3.0%	$45M
Gross Profit		$152M	—	—	—	$71M9.7%	$64M5.3%	$61M6.1%	$58M2.3%	$56M1.0%	$57M
R&D Expense	-	—	—	—	—	—	—	—	—	—	—
Operating Expenses		$105M	—	—	—	$7M72.9%	$27M6.7%	$29M68.8%	$17M31.4%	$13M6.4%	$12M
Operating Income		$47M48.7%	$32M17.9%	$38M19.8%	$48M24.2%	$63M69.6%	$37M16.1%	$32M20.5%	$40M6.4%	$43M3.0%	$45M
Interest Expense		—	$29M450.5%	$5M37.9%	$4M37.5%	$6M7.3%	$6M90.0%	$3M22.2%	$2M5.1%	$3M10.8%	$3M
Tax Provision		$10M61.3%	$6M19.9%	$8M26.0%	$10M9.6%	$10M75.9%	$5M33.5%	$4M60.6%	$10M70.5%	$6M31.1%	$9M
EBITDA		$47M48.7%	$32M17.9%	$38M19.8%	$48M10.2%	$53M77.0%	$30M9.6%	$28M22.6%	$36M2.1%	$36M22.8%	$30M
Net Income		$37M45.6%	$25M17.4%	$31M18.1%	$38M14.1%	$33M58.9%	$21M3.4%	$20M48.4%	$13M10.1%	$15M18.2%	$18M
EPS (Diluted)		$6.7248.3%	$4.5315.0%	$5.3312.2%	$6.0717.2%	$5.1868.2%	$3.085.8%	$2.9152.4%	$1.918.6%	$2.0919.3%	$2.59

SEC EDGAR Repository

Direct unfiltered access to 10-K, 10-Q and 8-K filings for NRIM.

Open Regulatory Dossier

Data Integrity Notice

Figures adjusted for stock splits and restatements where applicable.

TTM (Trailing Twelve Months) data updates within 48 hours of quarterly filings.

Execution Benchmarks Audit

Revenue Growth

YOY expansion rate

+917% SCTR

109.2%

Sector Avg: 10.7%

Gross Margin

Core pricing power

+6% SCTR

82.2%

Sector Avg: 77.7%

Operating Margin

Operating efficiency

+81% SCTR

32.9%

Sector Avg: 18.1%

Return on Equity

Equity efficiency

+115% SCTR

19.3%

Sector Avg: 9.0%

Debt/Equity

Financial leverage

-178957% SCTR

949.0%

Sector Avg: 0.5%

Dividend Yield

Direct cash return

-100% SCTR

0.0%

Sector Avg: 2.0%

Financial History

Forensic Accounting Audit

Watchlist

Asset Efficiencymedium RISK

Material decline in asset turnover efficiency detected

Algorithmic red flag detection based on regulatory SEC filings.

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Shareholder Returns

Capital Allocation audit

Smart Money Conviction

Neutral

Synthesized from recent 13F filings, Form 4 insider transactions, and outstanding short interest metrics.

Governance Audit

Weak Index

WeakModerateStrong

Lower quality and stability scores may indicate governance concerns. Verified against factor-based integrity benchmarks.

Executive Operations

CEO: Joseph M. Schierhorn

Insider alignment Audit

No recent insider transactions available for NRIM

Major Institutional Blocks

Top 5 Holders

Institutional cap table data requires verified 13F filing feeds.

Access SEC 13F Dossier →

Form 4 Filings

Recent Activity

Insider transaction data currently awaiting regulatory verification.

Access SEC Form 4 Dossier →

Regulatory Disclosure Vault

Proxy Statement (DEF 14A)

Exec Comp, Board Nominees, Proposals

Annual Report (10-K)

MD&A, Risk Factors, Strategy

Institutional Holders (13F)

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Institutional Peer Matrix

Top Finance, Insurance, And Real Estate Universe

Factor Alpha Dispersion: Value vs. Quality

Quadrant I: High Quality / Undervalued

Quadrant III: Low Quality / Expensive

X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = NRIM ANALYSIS TARGET

Stock	Rating	Score▼	Quality	Value	Momentum	P/E	EV/EBITDA	ROE	ROA	Gross Mgn	Op Mgn	Net Mgn	Rev Growth	Div Yield	D/E	Mkt Cap	AUDIT
$SII SPROTT INC.		75	91	87	98	-	-	-	-	-	-	-	-	-	-	$0	VS
$PUK PRUDENTIAL PLC		73	88	97	80	-	-	-	-	-	-	-	-	-	-	$0	VS
$NMR NOMURA HOLDINGS INC		72	81	92	87	-	-	-	-	-	-	-	-	-	-	$0	VS
$PSLV Sprott Physical Silver Trust		69	82	80	98	-	-	-	-	-	-	-	-	-	-	$0	VS
$UFCS UNITED FIRE GROUP INC		68	81	93	76	5.0x	3.5x	13.2%	4.1%	99.9%	14.7%	11.1%	9.2%	2.1%	16.0x	$775M	VS
$SLF SUN LIFE FINANCIAL INC		68	83	95	63	-	-	-	-	-	-	-	-	-	-	$0	VS
$CBOE Cboe Global Markets, Inc.		68	75	63	77	21.3x	15.7x	24.0%	13.7%	41.7%	32.4%	26.4%	8.2%	1.1%	30.0x	$25.7B	VS
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V.		67	69	77	80	-	-	-	-	-	-	-	-	-	-	$0	VS
$PHYS Sprott Physical Gold Trust		67	64	82	91	-	-	-	-	-	-	-	-	-	-	$0	VS
$GLDM World Gold Trust		66	54	85	92	11.3x	11.3x	-	20.9%	100.0%	97.1%	554.8%	-19.0%	0.0%	-	$32.0B	VS
$NRIM NORTHRIM BANCORP INC		34	32	53	12	8.8x	6.8x	19.3%	1.8%	82.2%	32.9%	25.1%	109.2%	0.0%	949.0x	$476M
SECTOR BENCH	-	-	-	-	-	11.9x	7.8x	9.0%	1.3%	77.7%	18.1%	21.9%	10.7%	2.0%	0.5x	-	REF

Access Full Finance, Insurance, And Real Estate Intelligence Archive →

Lateral Comparison Mesh

$NRIM / $SII AUDIT $NRIM / $PUK AUDIT $NRIM / $NMR AUDIT $NRIM / $PSLV AUDIT $NRIM / $UFCS AUDIT

Market Intelligence FAQ

NORTHRIM BANCORP INC (NRIM) receives a "Avoid" rating with a composite score of 33.8/100. It ranks #4219 out of 7,333 stocks in our coverage universe and carries a 1-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.

Full Research Publication

Equity Research Analysis: NORTHRIM BANCORP INC (NRIM)

FEBRUARY 2026|Blank Capital Research Unit|Spot: $24.49

Price$24.49

Composite Score33.8/100

RatingAVOID (1★)

Rank#4219 OF 7,333

Market Cap$476M

Comments

Institutional Audit

Feb 25, 2026

NORTHRIM BANCORP INC

33.8

Sector Decomposition auditFinance, Insurance, And Real Estate [N=1000]

Factor	Global	Sector	Tilt
PROFITABILITY	32	48	-16DRAG
MOMENTUM	12	5	+7ALPHA
VALUATION	53	73	-20DRAG
INVESTMENT	34	55	-21DRAG
STABILITY	15	8	+7ALPHA
SHORT INT	76	88	-12DRAG

Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.

Executive Summary

Our quantitative model flags NORTHRIM BANCORP INC with an Avoid rating, assigning a composite score of 33.8/100 and 1 out of 5 stars. Ranked #4219 of 7,333 stocks, NRIM falls in the bottom tier across key factors. Historically, stocks with this profile have faced elevated risk of underperformance and capital loss.

Business Quality

NRIM's quality score of 32/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 19.3% (sector avg: 9.0%), gross margins of 82.2% (sector avg: 77.7%), net margins of 25.1% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.

Intrinsic Valuation

NRIM's value score of 53/100 indicates the stock is fairly valued based on its current fundamentals. Key valuation metrics include a P/E ratio of 8.80x, an EV/EBITDA of 6.75x, a P/B ratio of 1.70x. At this level, neither a clear bargain nor overpriced, the stock's attractiveness depends more on forward growth expectations and qualitative factors.

Capital Reinvestment

NORTHRIM BANCORP INC's investment score of 34/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 109.2% vs. a sector average of 10.7% and a return on assets of 1.8% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.

Market Momentum

NORTHRIM BANCORP INC is experiencing notably weak momentum with a score of just 12/100. The stock has underperformed its peers and is trending below major moving averages. Revenue growth stands at 109.2% year-over-year, while a beta of 0.88 reflects its sensitivity to broader market moves. While deep momentum weakness can occasionally present value opportunities, it often reflects deteriorating fundamentals or structural headwinds that may persist.

Balance Sheet Health

NORTHRIM BANCORP INC registers a low stability score of 15/100, indicating high volatility and potentially stressed financial conditions. Key stability metrics include a beta of 0.88 and a debt-to-equity ratio of 949.00x (sector avg: 0.5x). Stocks at this level carry elevated capital loss risk and may be unsuitable for conservative portfolios without careful risk management.

Institutional Risk Profile

NRIM carries a short interest score of 76/100, indicating moderate short selling activity. This is a neutral reading — not enough to signal systemic bearishness, but worth monitoring. Specific risk factors include elevated leverage (D/E: 949.00x), small-cap liquidity risk. At $476M market cap (small-cap), NORTHRIM BANCORP INC offers reasonable institutional liquidity.

Sector Benchmark Analysis

NORTHRIM BANCORP INC is a small-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #4219 of 7,333 overall (42nd percentile). Key comparisons include ROE of 19.3% exceeding the 9.0% sector median and operating margins of 32.9% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.

Comparative Research Mesh

NRIM VS S&P 500 (SPY)TOP FINANCE, INSURANCE, AND REAL ESTATE PEERS

Strategic Alternatives

While NRIM currently exhibits a AVOID profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.

View Top Finance, Insurance, And Real Estate Alpha →

NRIM

NORTHRIM BANCORP INC

Business Summary

Operations

Location

Fundamental Spot Check

Valuation

Efficiency & Risk

Intelligence Feed

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