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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 2.55
NRIM's Cash to Debt is ranked higher than
58% of the 983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.38 vs. NRIM: 2.55 )
Ranked among companies with meaningful Cash to Debt only.
NRIM' s 10-Year Cash to Debt Range
Min: 0.57  Med: 3.95 Max: No Debt
Current: 2.55
Equity to Asset 0.11
NRIM's Equity to Asset is ranked higher than
59% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NRIM: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
NRIM' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.10 Max: 0.12
Current: 0.11
0.08
0.12
Interest Coverage 12.03
NRIM's Interest Coverage is ranked higher than
92% of the 1269 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. NRIM: 12.03 )
Ranked among companies with meaningful Interest Coverage only.
NRIM' s 10-Year Interest Coverage Range
Min: 0.5  Med: 1.46 Max: 9999.99
Current: 12.03
0.5
9999.99
F-Score: 3
WACC vs ROIC
8.55%
17.94%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 29.77
NRIM's Operating margin (%) is ranked lower than
52% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.31 vs. NRIM: 29.77 )
Ranked among companies with meaningful Operating margin (%) only.
NRIM' s 10-Year Operating margin (%) Range
Min: -231.95  Med: 30.60 Max: 37.62
Current: 29.77
-231.95
37.62
Net-margin (%) 20.38
NRIM's Net-margin (%) is ranked lower than
56% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.02 vs. NRIM: 20.38 )
Ranked among companies with meaningful Net-margin (%) only.
NRIM' s 10-Year Net-margin (%) Range
Min: 10.63  Med: 20.99 Max: 126.92
Current: 20.38
10.63
126.92
ROE (%) 11.44
NRIM's ROE (%) is ranked higher than
69% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. NRIM: 11.44 )
Ranked among companies with meaningful ROE (%) only.
NRIM' s 10-Year ROE (%) Range
Min: 5.9  Med: 11.85 Max: 16.2
Current: 11.44
5.9
16.2
ROA (%) 1.30
NRIM's ROA (%) is ranked higher than
74% of the 1432 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. NRIM: 1.30 )
Ranked among companies with meaningful ROA (%) only.
NRIM' s 10-Year ROA (%) Range
Min: 0.6  Med: 1.20 Max: 1.46
Current: 1.3
0.6
1.46
Revenue Growth (3Y)(%) 8.20
NRIM's Revenue Growth (3Y)(%) is ranked higher than
73% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. NRIM: 8.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NRIM' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 7.70 Max: 80.7
Current: 8.2
0
80.7
EBITDA Growth (3Y)(%) 11.10
NRIM's EBITDA Growth (3Y)(%) is ranked higher than
61% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. NRIM: 11.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NRIM' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 9.50 Max: 17
Current: 11.1
0
17
EPS Growth (3Y)(%) 13.40
NRIM's EPS Growth (3Y)(%) is ranked higher than
59% of the 1065 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.70 vs. NRIM: 13.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NRIM' s 10-Year EPS Growth (3Y)(%) Range
Min: -16.6  Med: 10.10 Max: 22.4
Current: 13.4
-16.6
22.4
» NRIM's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

NRIM Guru Trades in Q3 2014

Private Capital 140,776 sh (-2.43%)
Jim Simons 26,700 sh (-14.97%)
» More
Q4 2014

NRIM Guru Trades in Q4 2014

Jim Simons 30,801 sh (+15.36%)
Private Capital 138,471 sh (-1.64%)
» More
Q1 2015

NRIM Guru Trades in Q1 2015

Jim Simons 71,400 sh (+131.81%)
Private Capital 157,959 sh (+14.07%)
» More
Q2 2015

NRIM Guru Trades in Q2 2015

Chuck Royce 246,544 sh (New)
Jim Simons 74,100 sh (+3.78%)
Private Capital 157,480 sh (-0.30%)
» More
» Details

Insider Trades

Latest Guru Trades with NRIM

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 9.99
NRIM's P/E(ttm) is ranked higher than
68% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. NRIM: 9.99 )
Ranked among companies with meaningful P/E(ttm) only.
NRIM' s 10-Year P/E(ttm) Range
Min: 7.52  Med: 12.75 Max: 16.47
Current: 9.99
7.52
16.47
Forward P/E 11.90
NRIM's Forward P/E is ranked lower than
54% of the 718 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.82 vs. NRIM: 11.90 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.20
NRIM's PE(NRI) is ranked higher than
68% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. NRIM: 10.20 )
Ranked among companies with meaningful PE(NRI) only.
NRIM' s 10-Year PE(NRI) Range
Min: 7.42  Med: 12.75 Max: 16.26
Current: 10.2
7.42
16.26
P/B 1.03
NRIM's P/B is ranked lower than
54% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. NRIM: 1.03 )
Ranked among companies with meaningful P/B only.
NRIM' s 10-Year P/B Range
Min: 0.41  Med: 1.08 Max: 1.91
Current: 1.03
0.41
1.91
P/S 2.02
NRIM's P/S is ranked higher than
70% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. NRIM: 2.02 )
Ranked among companies with meaningful P/S only.
NRIM' s 10-Year P/S Range
Min: 0.77  Med: 2.49 Max: 17.57
Current: 2.02
0.77
17.57
EV-to-EBIT 4.41
NRIM's EV-to-EBIT is ranked higher than
92% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. NRIM: 4.41 )
Ranked among companies with meaningful EV-to-EBIT only.
NRIM' s 10-Year EV-to-EBIT Range
Min: -7.2  Med: 5.70 Max: 11.8
Current: 4.41
-7.2
11.8
PEG 0.82
NRIM's PEG is ranked higher than
59% of the 612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. NRIM: 0.82 )
Ranked among companies with meaningful PEG only.
NRIM' s 10-Year PEG Range
Min: 0.58  Med: 0.83 Max: 2
Current: 0.82
0.58
2
Shiller P/E 13.67
NRIM's Shiller P/E is ranked higher than
61% of the 784 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.97 vs. NRIM: 13.67 )
Ranked among companies with meaningful Shiller P/E only.
NRIM' s 10-Year Shiller P/E Range
Min: 4.13  Med: 13.53 Max: 17.91
Current: 13.67
4.13
17.91
Days Sales Outstanding 69.31
NRIM's Days Sales Outstanding is ranked lower than
70% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. NRIM: 69.31 )
Ranked among companies with meaningful Days Sales Outstanding only.
NRIM' s 10-Year Days Sales Outstanding Range
Min: 26.56  Med: 84.06 Max: 931.92
Current: 69.31
26.56
931.92

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.69
NRIM's Dividend Yield is ranked lower than
53% of the 2262 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. NRIM: 2.69 )
Ranked among companies with meaningful Dividend Yield only.
NRIM' s 10-Year Dividend Yield Range
Min: 1.51  Med: 2.49 Max: 8.84
Current: 2.69
1.51
8.84
Dividend Payout 0.27
NRIM's Dividend Payout is ranked higher than
62% of the 1321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. NRIM: 0.27 )
Ranked among companies with meaningful Dividend Payout only.
NRIM' s 10-Year Dividend Payout Range
Min: 0.09  Med: 0.24 Max: 1.15
Current: 0.27
0.09
1.15
Dividend growth (3y) 11.90
NRIM's Dividend growth (3y) is ranked higher than
63% of the 671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. NRIM: 11.90 )
Ranked among companies with meaningful Dividend growth (3y) only.
NRIM' s 10-Year Dividend growth (3y) Range
Min: -8.8  Med: 11.90 Max: 28.6
Current: 11.9
-8.8
28.6
Yield on cost (5-Year) 4.78
NRIM's Yield on cost (5-Year) is ranked higher than
68% of the 2265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. NRIM: 4.78 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NRIM' s 10-Year Yield on cost (5-Year) Range
Min: 2.68  Med: 4.43 Max: 15.72
Current: 4.78
2.68
15.72
Share Buyback Rate -1.50
NRIM's Share Buyback Rate is ranked higher than
53% of the 1012 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. NRIM: -1.50 )
Ranked among companies with meaningful Share Buyback Rate only.
NRIM' s 10-Year Share Buyback Rate Range
Min: 2.1  Med: -0.70 Max: -18.2
Current: -1.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.25
NRIM's Price/Tangible Book is ranked lower than
59% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. NRIM: 1.25 )
Ranked among companies with meaningful Price/Tangible Book only.
NRIM' s 10-Year Price/Tangible Book Range
Min: 0.64  Med: 1.31 Max: 2.22
Current: 1.25
0.64
2.22
Price/Projected FCF 0.79
NRIM's Price/Projected FCF is ranked lower than
64% of the 806 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. NRIM: 0.79 )
Ranked among companies with meaningful Price/Projected FCF only.
NRIM' s 10-Year Price/Projected FCF Range
Min: 0.37  Med: 0.79 Max: 1.35
Current: 0.79
0.37
1.35
Price/Median PS Value 0.81
NRIM's Price/Median PS Value is ranked higher than
81% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. NRIM: 0.81 )
Ranked among companies with meaningful Price/Median PS Value only.
NRIM' s 10-Year Price/Median PS Value Range
Min: 0.44  Med: 1.02 Max: 6.51
Current: 0.81
0.44
6.51
Price/Peter Lynch Fair Value 0.91
NRIM's Price/Peter Lynch Fair Value is ranked higher than
50% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. NRIM: 0.91 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
NRIM' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.31  Med: 0.77 Max: 2.73
Current: 0.91
0.31
2.73
Price/Graham Number 0.73
NRIM's Price/Graham Number is ranked higher than
59% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. NRIM: 0.73 )
Ranked among companies with meaningful Price/Graham Number only.
NRIM' s 10-Year Price/Graham Number Range
Min: 0.53  Med: 0.82 Max: 1.22
Current: 0.73
0.53
1.22
Earnings Yield (Greenblatt) (%) 22.58
NRIM's Earnings Yield (Greenblatt) (%) is ranked higher than
93% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. NRIM: 22.58 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NRIM' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 8.5  Med: 13.80 Max: 9419.8
Current: 22.58
8.5
9419.8
Forward Rate of Return (Yacktman) (%) 15.44
NRIM's Forward Rate of Return (Yacktman) (%) is ranked higher than
52% of the 785 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. NRIM: 15.44 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NRIM' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 4.8  Med: 10.80 Max: 27.9
Current: 15.44
4.8
27.9

Analyst Estimate

Dec15 Dec16
EPS($) 2.34 2.25
EPS without NRI($) 2.34 2.25

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Northrim BanCorp Inc began banking operations in Anchorage in December 1990. It is a bank holding company for Northrim Bank, a commercial bank that provides personal and business banking services through locations in Anchorage, Eagle River, Wasilla, and Fairbanks, Alaska, and a factoring division in Bellevue, Washington. The Bank is a state chartered, full-service commercial bank. The Bank has ten branch locations in Alaska; seven in Anchorage, one in Fairbanks, and one each in Eagle River and Wasilla. It offers an array of commercial and consumer loan and deposit products, investment products, and electronic banking services over the Internet. The Company's main line of business is commercial banking. Its deposit services include noninterest-bearing checking accounts and interest-bearing time deposits, checking accounts, and savings accounts. It has two deposit products that are indexed to specific U.S. Treasury rates. It is an active lender with an emphasis on commercial and real estate lending. It has niche in construction and land development lending in Anchorage, Fairbanks, and the Matanuska Valley. In addition to its deposit and lending services, it offers its customers several 24-hour services: Consumer Online Banking, Mobile Web and Text Banking, Business Online Banking, FinanceWorks powered by Quicken, Online Statements, Visa Check Cards, Business Visa Check Cards, Cash Back Rewards, personalized checks and instantly issued debit cards at account opening, telebanking, faxed account statements, and automated teller services. Other special services include personalized checks at account opening, overdraft protection from a savings account, extended banking hours commercial drive-up banking with coin service, automatic transfers and payments, wire transfers, direct payroll deposit, electronic tax payments, Automated Clearing House origination and receipt, cash management programs to meet the specialized needs of business customers, and courier agents who pick up noncash deposits from business customers. The Company competes with other commercial banks, credit unions, finance companies, mortgage banks and brokers, securities firms, insurance companies, private lenders, and other financial intermediaries. The Company is subject to examination by the Board of Governors of the Federal Reserve System.
» More Articles for NRIM

Headlines

Articles On GuruFocus.com
Private Capital Management's Stocks trading with low P/E Ratio. Jul 27 2015 
Ex-Dividend Date Reminder For March 06, 2012 Mar 05 2012 
Northrim BanCorp Inc Reports Operating Results (10-K) Mar 15 2011 
Northrim BanCorp Inc (NRIM) EVP, COO Christopher N Knudson sells 2,600 Shares Mar 10 2011 
Northrim BanCorp Inc Reports Operating Results (10-Q) Nov 08 2010 
Nine Stocks Raising The Dividend Growth Bar: LO, NRIM, BMI, MGEE, GKSR, WLK, TOD, BOBE, SFL Aug 30 2010 
Guru Stocks Raising Dividends: LORILLARD, INC, Northrim BanCorp Inc, Badger Meter Inc, Madison Gas a Aug 28 2010 
Northrim BanCorp Inc Reports Operating Results (10-Q) Aug 06 2010 
Northrim BanCorp Inc (NRIM) EVP, COO Christopher N Knudson sells 2,570 Shares Jun 15 2010 
Northrim BanCorp Inc Reports Operating Results (10-Q) May 07 2010 

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