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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 : 4/10

vs
industry
vs
history
Cash to Debt 2.84
NRIM's Cash to Debt is ranked higher than
54% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. NRIM: 2.84 )
Ranked among companies with meaningful Cash to Debt only.
NRIM' s Cash to Debt Range Over the Past 10 Years
Min: 0.57  Med: 3.95 Max: No Debt
Current: 2.84
Equity to Asset 0.12
NRIM's Equity to Asset is ranked higher than
69% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NRIM: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
NRIM' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.10 Max: 0.12
Current: 0.12
0.08
0.12
Interest Coverage 9.45
NRIM's Interest Coverage is ranked higher than
90% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. NRIM: 9.45 )
Ranked among companies with meaningful Interest Coverage only.
NRIM' s Interest Coverage Range Over the Past 10 Years
Min: 0.69  Med: 2.44 Max: 12.03
Current: 9.45
0.69
12.03
F-Score: 4
WACC vs ROIC
6.66%
15.08%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 26.71
NRIM's Operating margin (%) is ranked lower than
62% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. NRIM: 26.71 )
Ranked among companies with meaningful Operating margin (%) only.
NRIM' s Operating margin (%) Range Over the Past 10 Years
Min: -231.95  Med: 30.60 Max: 37.12
Current: 26.71
-231.95
37.12
Net-margin (%) 17.52
NRIM's Net-margin (%) is ranked lower than
67% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. NRIM: 17.52 )
Ranked among companies with meaningful Net-margin (%) only.
NRIM' s Net-margin (%) Range Over the Past 10 Years
Min: 10.63  Med: 21.10 Max: 126.92
Current: 17.52
10.63
126.92
ROE (%) 10.40
NRIM's ROE (%) is ranked higher than
67% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. NRIM: 10.40 )
Ranked among companies with meaningful ROE (%) only.
NRIM' s ROE (%) Range Over the Past 10 Years
Min: 5.9  Med: 9.65 Max: 14.42
Current: 10.4
5.9
14.42
ROA (%) 1.20
NRIM's ROA (%) is ranked higher than
73% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. NRIM: 1.20 )
Ranked among companies with meaningful ROA (%) only.
NRIM' s ROA (%) Range Over the Past 10 Years
Min: 0.6  Med: 1.11 Max: 1.42
Current: 1.2
0.6
1.42
Revenue Growth (3Y)(%) 8.20
NRIM's Revenue Growth (3Y)(%) is ranked lower than
96% of the 1284 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 Revenue Growth (3Y)(%) Range Over the Past 10 Years
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 lower than
96% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. NRIM: 11.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NRIM' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 10.30 Max: 17
Current: 11.1
0
17
EPS Growth (3Y)(%) 13.50
NRIM's EPS Growth (3Y)(%) is ranked lower than
96% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. NRIM: 13.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NRIM' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -16.6  Med: 10.15 Max: 22.2
Current: 13.5
-16.6
22.2
» NRIM's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q3 2015

NRIM Guru Trades in Q3 2015

Chuck Royce 473,429 sh (+92.03%)
Private Capital 156,605 sh (-0.56%)
Jim Simons 53,900 sh (-27.26%)
» More
Q4 2015

NRIM Guru Trades in Q4 2015

Jim Simons 75,906 sh (+40.83%)
Chuck Royce 615,726 sh (+30.06%)
Private Capital 154,300 sh (-1.47%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 7.45
NRIM's P/E(ttm) is ranked higher than
77% of the 2227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.73 vs. NRIM: 7.45 )
Ranked among companies with meaningful P/E(ttm) only.
NRIM' s P/E(ttm) Range Over the Past 10 Years
Min: 7.34  Med: 12.55 Max: 16.09
Current: 7.45
7.34
16.09
Forward P/E 9.15
NRIM's Forward P/E is ranked higher than
50% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.05 vs. NRIM: 9.15 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 7.45
NRIM's PE(NRI) is ranked higher than
79% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. NRIM: 7.45 )
Ranked among companies with meaningful PE(NRI) only.
NRIM' s PE(NRI) Range Over the Past 10 Years
Min: 7.26  Med: 12.58 Max: 15.92
Current: 7.45
7.26
15.92
P/B 0.87
NRIM's P/B is ranked higher than
60% of the 2260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. NRIM: 0.87 )
Ranked among companies with meaningful P/B only.
NRIM' s P/B Range Over the Past 10 Years
Min: 0.41  Med: 1.07 Max: 1.91
Current: 0.87
0.41
1.91
P/S 1.50
NRIM's P/S is ranked higher than
76% of the 2511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. NRIM: 1.50 )
Ranked among companies with meaningful P/S only.
NRIM' s P/S Range Over the Past 10 Years
Min: 0.77  Med: 2.41 Max: 17.68
Current: 1.5
0.77
17.68
POCF 34.63
NRIM's POCF is ranked lower than
94% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.06 vs. NRIM: 34.63 )
Ranked among companies with meaningful POCF only.
NRIM' s POCF Range Over the Past 10 Years
Min: 2.97  Med: 9.70 Max: 46.27
Current: 34.63
2.97
46.27
EV-to-EBIT 4.62
NRIM's EV-to-EBIT is ranked higher than
91% of the 2177 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. NRIM: 4.62 )
Ranked among companies with meaningful EV-to-EBIT only.
NRIM' s EV-to-EBIT Range Over the Past 10 Years
Min: -7.2  Med: 5.10 Max: 11.8
Current: 4.62
-7.2
11.8
EV-to-EBITDA 4.22
NRIM's EV-to-EBITDA is ranked higher than
91% of the 2182 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.15 vs. NRIM: 4.22 )
Ranked among companies with meaningful EV-to-EBITDA only.
NRIM' s EV-to-EBITDA Range Over the Past 10 Years
Min: -7.5  Med: 4.60 Max: 9.7
Current: 4.22
-7.5
9.7
PEG 0.62
NRIM's PEG is ranked higher than
65% of the 653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. NRIM: 0.62 )
Ranked among companies with meaningful PEG only.
NRIM' s PEG Range Over the Past 10 Years
Min: 0.61  Med: 0.85 Max: 2
Current: 0.62
0.61
2
Shiller P/E 11.35
NRIM's Shiller P/E is ranked higher than
73% of the 675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.91 vs. NRIM: 11.35 )
Ranked among companies with meaningful Shiller P/E only.
NRIM' s Shiller P/E Range Over the Past 10 Years
Min: 4.63  Med: 12.65 Max: 20.54
Current: 11.35
4.63
20.54

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.39
NRIM's Dividend Yield is ranked higher than
52% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. NRIM: 3.39 )
Ranked among companies with meaningful Dividend Yield only.
NRIM' s Dividend Yield Range Over the Past 10 Years
Min: 1.51  Med: 2.52 Max: 8.84
Current: 3.39
1.51
8.84
Dividend Payout 0.25
NRIM's Dividend Payout is ranked higher than
66% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. NRIM: 0.25 )
Ranked among companies with meaningful Dividend Payout only.
NRIM' s Dividend Payout Range Over the Past 10 Years
Min: 0.09  Med: 0.24 Max: 1
Current: 0.25
0.09
1
Dividend Growth (3y) 11.90
NRIM's Dividend Growth (3y) is ranked lower than
90% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. NRIM: 11.90 )
Ranked among companies with meaningful Dividend Growth (3y) only.
NRIM' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -8.8  Med: 11.90 Max: 28.6
Current: 11.9
-8.8
28.6
Forward Dividend Yield 3.46
NRIM's Forward Dividend Yield is ranked higher than
50% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. NRIM: 3.46 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 6.03
NRIM's Yield on cost (5-Year) is ranked lower than
53% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. NRIM: 6.03 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NRIM' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.68  Med: 4.48 Max: 15.72
Current: 6.03
2.68
15.72
3-Year Average Share Buyback Ratio -1.50
NRIM's 3-Year Average Share Buyback Ratio is ranked higher than
52% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. NRIM: -1.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
NRIM' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -18.2  Med: -0.65 Max: 2.1
Current: -1.5
-18.2
2.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.99
NRIM's Price/Tangible Book is ranked higher than
54% of the 2171 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 38.57 vs. NRIM: 0.99 )
Ranked among companies with meaningful Price/Tangible Book only.
NRIM' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.64  Med: 1.31 Max: 2.22
Current: 0.99
0.64
2.22
Price/Projected FCF 0.57
NRIM's Price/Projected FCF is ranked higher than
57% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. NRIM: 0.57 )
Ranked among companies with meaningful Price/Projected FCF only.
NRIM' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.37  Med: 0.79 Max: 1.31
Current: 0.57
0.37
1.31
Price/Median PS Value 0.62
NRIM's Price/Median PS Value is ranked higher than
84% of the 2067 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. NRIM: 0.62 )
Ranked among companies with meaningful Price/Median PS Value only.
NRIM' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.46  Med: 1.06 Max: 6.75
Current: 0.62
0.46
6.75
Price/Peter Lynch Fair Value 0.66
NRIM's Price/Peter Lynch Fair Value is ranked higher than
61% of the 603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. NRIM: 0.66 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
NRIM' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.31  Med: 0.81 Max: 2.73
Current: 0.66
0.31
2.73
Price/Graham Number 0.61
NRIM's Price/Graham Number is ranked higher than
66% of the 2007 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. NRIM: 0.61 )
Ranked among companies with meaningful Price/Graham Number only.
NRIM' s Price/Graham Number Range Over the Past 10 Years
Min: 0.55  Med: 0.84 Max: 1.23
Current: 0.61
0.55
1.23
Earnings Yield (Greenblatt) (%) 21.51
NRIM's Earnings Yield (Greenblatt) (%) is ranked higher than
89% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. NRIM: 21.51 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NRIM' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 8.5  Med: 17.10 Max: 2023.3
Current: 21.51
8.5
2023.3
Forward Rate of Return (Yacktman) (%) 18.61
NRIM's Forward Rate of Return (Yacktman) (%) is ranked higher than
57% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. NRIM: 18.61 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NRIM' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 4.8  Med: 10.80 Max: 26.8
Current: 18.61
4.8
26.8

More Statistics

Revenue(Mil) $102
EPS $ 2.56
Beta0.73
Short Percentage of Float0.35%
52-Week Range $21.60 - 29.75
Shares Outstanding(Mil)6.86

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 2.34 2.40
EPS without NRI($) 2.34 2.40

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
Northrim Bancorp Trades Below Book Value and Yields 3.25% Jan 25 2016 
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 

More From Other Websites
Northrim BanCorp, Inc. Earnings Analysis: Q4, 2015 By the Numbers Feb 02 2016
Northrim BanCorp to Participate in FIG Partners West Coast Bank CEO Forum Feb 02 2016
NORTHRIM BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Feb 01 2016
Northrim BanCorp Reports 2015 Profit of $17.8 Million, or $2.56 per Diluted Share Jan 29 2016
Northrim BanCorp Reports 2015 Profit of $17.8 Million, or $2.56 per Diluted Share Jan 29 2016
Northrim Bank Announces Two New Officers Jan 26 2016
NORTHRIM BANCORP INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Jan 04 2016
Hedge Funds Are Crazy About Neuberger Berman High Yield Strateges Fd (NHS) Dec 09 2015
NORTHRIM BANCORP INC Financials Dec 08 2015
Here is What Hedge Funds Think About Northrim BanCorp, Inc. (NRIM) Dec 08 2015
Northrim Bank Honors the Legacy of Marc Langland & Celebrates its 25th Anniversary Dec 04 2015
Northrim BanCorp, Inc. Declares Cash Dividend of $0.19 per Share Nov 30 2015
Northrim BanCorp, Inc. Declares Cash Dividend of $0.19 per Share Nov 20 2015
NORTHRIM BANCORP INC Files SEC form 10-Q, Quarterly Report Nov 06 2015
NORTHRIM BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 28 2015
Northrim posts 3Q profit Oct 27 2015
Northrim posts 3Q profit Oct 27 2015
NORTHRIM BANCORP INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Oct 26 2015
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Northrim Bank Welcomes Three New Officers Oct 08 2015

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