Northrim BanCorp Inc (NRIM) earns a Roarable Rating of B+ (Buy) with 77/100 RQD Confidence. High-quality cash engine (steady margins, 20% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.
As of 2026-11-01, Northrim BanCorp Inc (NASDAQ: NRIM) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 77/100 at a spot price of $24.18 (+0.83% 1D, market cap $537.9M). Pillar breakdown: Fundamental Cash Engine 17/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, NRIM ranks #24 in composite RQD confidence.
Within the Financials sector (Savings Institutions), NRIM carries a Roarable B+ (77/100 RQD), trailing P/E of 8.3x, gross margin of —, and ROIC of 19.8%. By comparison, PDLB (Ponce Financial Group Inc.) holds a C grade (65/100 RQD, P/E 19.9x, ROIC 5.1%, cap $548.6M) and FMAO (Farmers & Merchants Bancorp Inc.) posts a C+ grade (67/100 RQD, P/E 15.3x, ROIC 9.0%, cap $510.7M). Among the 5-stock peer group, NRIM leads on earnings multiple (8.3x) while NRIM leads on capital efficiency (19.8% ROIC).
Per NRIM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001163370), Northrim BanCorp Inc generated $255.6M in revenue (+30.4% YoY), $64.6M in net income, and $133.9M in free cash flow against $3.29B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 27% of 52W Range • RSI-14 at 43.5 (NEUTRAL RANGE)
SEC XBRL FY 2025 (10-K): 52.4% FCF Margin ($133.9M FCF) & 52% Gross Margin
Put hedging (50% put share) caps near-term gamma upside (-8 pts vs max)
Even with a 77/100 (B+) score, NRIM faces multiple-compression risk if 8.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($24.89) or 200D SMA ($25.12) invalidates the momentum regime and cuts Target Base ($26.25) toward Bear Floor ($19.83).
Northrim BanCorp Inc (NRIM) advanced +0.83% to $24.18, trading at 27% of its 52-week range ($21.77 – $30.82). High-quality cash engine (steady margins, 20% return on capital) with steady institutional support.
ANCHORAGE, Alaska, and MEDFORD, Ore., Oct. 22, 2026 (GLOBE NEWSWIRE) -- Northrim BanCorp, Inc. (NASDAQ: NRIM) (“Northrim” or the “Company”), the holding company of Northrim Bank, and PBCO Financial Corporation (“PBCO”),
Northrim BanCorp, Inc. (NASDAQ:NRIM) ("Northrim" or the "Company"), the holding company of Northrim Bank, and PBCO Financial Corporation ("PBCO"), the holding company of People’s Bank of Commerce
MEDFORD, Ore., October 21, 2026--PBCO Financial Corporation (OTCID: "PBCO"), the holding company (the "Company") of People’s Bank of Commerce (the "Bank"), today reported net income of $2.6 million and earnings per share
Keefe, Bruyette & Woods analyst Kelly Motta maintains Northrim BanCorp (NASDAQ:NRIM) with a Market Perform and lowers the price target from $30 to $29.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +30.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on NRIM today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for NRIM. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Northrim BanCorp Inc (NRIM) ranks #24 by composite RQD confidence (77/100, grade B+) and #688 by equity capitalization ($537.9M). Within this direct 5-issuer industry benchmark cohort, NRIM leads on earnings valuation at 8.3x trailing P/E, while NRIM leads on capital efficiency and profitability with 19.8% ROIC and — gross margin. NRIM currently leads its immediate peer cohort in composite quantitative strength at 77/100 (B+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| NRIM
ACTIVE
Northrim BanCorp Inc | B+ | 77/100 | 8.3x | — | 19.8% | +0.83% | $537.9M | Benchmark Subject |
| PDLB Ponce Financial Group Inc. | C | 65/100 | 19.9x | — | 5.1% | +1.21% | $548.6M | /pdlb-vs-nrim → |
| FMAO Farmers & Merchants Bancorp Inc. | C+ | 67/100 | 15.3x | — | 9.0% | +1.48% | $510.7M | /fmao-vs-nrim → |
| KRNY Kearny Financial Corp | D+ | 52/100 | 23.0x | — | 3.4% | +0.11% | $599.3M | /krny-vs-nrim → |
| HTB HomeTrust Bancshares Inc. | C- | 60/100 | 11.6x | — | 10.7% | +0.68% | $747.9M | /htb-vs-nrim → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Northrim BanCorp Inc (NRIM) reported GAAP revenue of $255.6M (+30.4% vs. FY2024 revenue of $196.0M , and +61.4% cumulative change since FY2023) , GAAP net income of $64.6M, operating cash flow of $139.3M, and free cash flow of $133.9M (+1532.2% YoY). On the balance sheet, NRIM closed FY2025 with $3.29B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $255.6M | $64.6M | $139.3M | $133.9M | $3.29B | — |
| FY2024 (FY) | 2024-12-31 | $196.0M | $37.0M | -$8.7M | -$9.3M | $3.04B | — |
| FY2023 (FY) | 2023-12-31 | $158.3M | $25.4M | $38.8M | $38.8M | — | — |
As of 2026-11-01, Northrim BanCorp Inc (NASDAQ: NRIM) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 77/100 at a spot price of $24.18 (+0.83% 1D, market cap $537.9M). Pillar breakdown: Fundamental Cash Engine 17/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, NRIM ranks #24 in composite RQD confidence.
Within the Financials sector (Savings Institutions), NRIM carries a Roarable B+ (77/100 RQD), trailing P/E of 8.3x, gross margin of —, and ROIC of 19.8%. By comparison, PDLB (Ponce Financial Group Inc.) holds a C grade (65/100 RQD, P/E 19.9x, ROIC 5.1%, cap $548.6M) and FMAO (Farmers & Merchants Bancorp Inc.) posts a C+ grade (67/100 RQD, P/E 15.3x, ROIC 9.0%, cap $510.7M). Among the 5-stock peer group, NRIM leads on earnings multiple (8.3x) while NRIM leads on capital efficiency (19.8% ROIC).
Per NRIM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001163370), Northrim BanCorp Inc generated $255.6M in revenue (+30.4% YoY), $64.6M in net income, and $133.9M in free cash flow against $3.29B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
NRIM last traded at $24.18 (+0.83% on volume of 202,100 shares), positioning the stock -2.85% below its 50-day simple moving average ($24.89) and -3.74% below its 200-day simple moving average ($25.12). Across its 52-week range of $21.77 to $30.82, NRIM sits at the 26.6% percentile with a 14-day RSI of 43.5 (NEUTRAL RANGE) and an implied next-earnings move of ±5.2% ($22.92 to $25.44).
Why NRIM Stock advanced +0.83% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 20% return on capital) with steady institutional support.
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