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NORTHRIM BANCORP INC NRIM

Nasdaq · stock · Savings Institution, Federally Chartered · website · IPO 1990-11-15 · LEI

NORTHRIM BANCORP INC statistics & valuation

Market cap$622.0M
P / E9.6×
P / S2.4×
P / B1.9×
P / FCF4.6×
Dividend yield2.34%
Net margin25.3%
Return on equity19.8%
FCF margin52.4%
Net debt$81.7M
Enterprise value USD$703.7M
Graham number +13.7%$30.62

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($30.62); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
229.50% 225.70% 338.40% 22.90% 16.00% 18.90% 25.30% 2016201720182019202020212022202320242025
Gross margin (%)
94.70% 79.40% 77.50% 81.70% 2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
7.70% 6.80% 9.70% 10.00% 14.80% 15.80% 14.10% 10.80% 13.80% 19.80% 2016201720182019202020212022202320242025
Shares outstanding
27.9M 27.9M 27.9M 27.2M 25.7M 25.0M 23.3M 22.6M 22.3M 22.5M 2016201720182019202020212022202320242025
Net debt ($)
-$18.6M -$42.7M -$36.0M $8.9M $14.8M $14.5M $14.1M $13.7M $23.0M $81.7M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.90% 0.90% 1.30% 1.30% 1.60% 1.40% 1.10% 0.90% 1.20% 2.00% 2016201720182019202020212022202320242025
Free cash flow margin (%)
268.00% 304.30% 366.10% 55.30% 20.60% -4.80% 52.40% 2016201720182019202020212022202320242025
Debt / equity (×)
0.17× 0.18× 0.20× 0.04× 0.07× 0.06× 0.06× 0.06× 0.09× 0.25× 2016201720182019202020212022202320242025
EPS ($)
$0.52 $0.47 $0.71 $0.76 $1.28 $1.50 $1.32 $1.12 $1.66 $2.87 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

NORTHRIM BANCORP INC trades at about 9.4× earnings — below its 10-year norm (10-year range 6.3×–17.8×, median 11.6×).

6.3× 17.8×

Shaded band = 10-year range (6.3×–17.8×); dot = today's 9.4×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Gross margin81.7%77.5%79.4%94.7%——————
Net margin25.3%18.9%16.0%22.9%———338.4%225.7%229.5%
FCF margin52.4%-4.8%20.6%55.3%———366.1%304.3%268.0%
Return on assets2.0%1.2%0.9%1.1%1.4%1.6%1.3%1.3%0.9%0.9%
Return on equity19.8%13.8%10.8%14.1%15.8%14.8%10.0%9.7%6.8%7.7%
Debt / equity0.25×0.09×0.06×0.06×0.06×0.07×0.04×0.20×0.18×0.17×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.