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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 : 6/10

vs
industry
vs
history
Cash to Debt 3.26
NRIM's Cash to Debt is ranked higher than
56% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.11 vs. NRIM: 3.26 )
Ranked among companies with meaningful Cash to Debt only.
NRIM' s Cash to Debt Range Over the Past 10 Years
Min: 0.57  Med: 3.46 Max: No Debt
Current: 3.26
Equity to Asset 0.12
NRIM's Equity to Asset is ranked higher than
68% of the 1597 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: 0.1 Max: 0.12
Current: 0.12
0.08
0.12
Interest Coverage 9.69
NRIM's Interest Coverage is ranked higher than
89% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. NRIM: 9.69 )
Ranked among companies with meaningful Interest Coverage only.
NRIM' s Interest Coverage Range Over the Past 10 Years
Min: 0.69  Med: 4.71 Max: 12.68
Current: 9.69
0.69
12.68
F-Score: 4
M-Score: -2.57
WACC vs ROIC
6.29%
15.63%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 25.48
NRIM's Operating margin (%) is ranked lower than
63% of the 1640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.80 vs. NRIM: 25.48 )
Ranked among companies with meaningful Operating margin (%) only.
NRIM' s Operating margin (%) Range Over the Past 10 Years
Min: -231.95  Med: 28.42 Max: 35.46
Current: 25.48
-231.95
35.46
Net-margin (%) 17.03
NRIM's Net-margin (%) is ranked lower than
67% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.22 vs. NRIM: 17.03 )
Ranked among companies with meaningful Net-margin (%) only.
NRIM' s Net-margin (%) Range Over the Past 10 Years
Min: 10.63  Med: 20.05 Max: 126.92
Current: 17.03
10.63
126.92
ROE (%) 9.68
NRIM's ROE (%) is ranked higher than
60% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. NRIM: 9.68 )
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: 9.68
5.9
14.42
ROA (%) 1.14
NRIM's ROA (%) is ranked higher than
67% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. NRIM: 1.14 )
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: 1.14
0.6
1.42
Revenue Growth (3Y)(%) 18.60
NRIM's Revenue Growth (3Y)(%) is ranked higher than
89% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. NRIM: 18.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NRIM' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -38.1  Med: 7.8 Max: 80.8
Current: 18.6
-38.1
80.8
EBITDA Growth (3Y)(%) 9.10
NRIM's EBITDA Growth (3Y)(%) is ranked higher than
61% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. NRIM: 9.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NRIM' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -15.5  Med: 11.2 Max: 20.1
Current: 9.1
-15.5
20.1
EPS Growth (3Y)(%) 9.10
NRIM's EPS Growth (3Y)(%) is ranked higher than
57% of the 1206 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. NRIM: 9.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NRIM' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -16.6  Med: 10.1 Max: 22.4
Current: 9.1
-16.6
22.4
» NRIM's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q1 2016

NRIM Guru Trades in Q1 2016

Jim Simons 99,900 sh (+31.61%)
Chuck Royce 615,726 sh (unchged)
Private Capital 151,907 sh (-1.55%)
» More
Q2 2016

NRIM Guru Trades in Q2 2016

Chuck Royce 615,726 sh (unchged)
Jim Simons 98,400 sh (-1.50%)
Private Capital 137,706 sh (-9.35%)
» 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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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:BWFG, OTCPK:JMSB, NAS:ORRF, NAS:CVCY, OTCPK:CSHX, NAS:SFST, NAS:PMBC, NAS:LCNB, NAS:CVLY, NAS:BYLK, NAS:VBTX, NAS:FFNW, OTCBB:CZFS, NAS:PFBI, NAS:ACNB, NAS:FCFP, NAS:CUBN, NAS:CHFN, NAS:MBRG, NAS:SONA » details
Northrim BanCorp Inc is a bank holding company for Northrim Bank. It offers commercial and consumer loan and deposit products, investment products, and electronic banking services over the Internet.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 10.38
NRIM's P/E(ttm) is ranked higher than
66% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.14 vs. NRIM: 10.38 )
Ranked among companies with meaningful P/E(ttm) only.
NRIM' s P/E(ttm) Range Over the Past 10 Years
Min: 7.5  Med: 12.39 Max: 16.43
Current: 10.38
7.5
16.43
Forward P/E 11.93
NRIM's Forward P/E is ranked higher than
58% of the 362 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. NRIM: 11.93 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.38
NRIM's PE(NRI) is ranked higher than
66% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.17 vs. NRIM: 10.38 )
Ranked among companies with meaningful PE(NRI) only.
NRIM' s PE(NRI) Range Over the Past 10 Years
Min: 7.5  Med: 12.39 Max: 16.43
Current: 10.38
7.5
16.43
Price/Owner Earnings (ttm) 19.31
NRIM's Price/Owner Earnings (ttm) is ranked lower than
76% of the 847 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.82 vs. NRIM: 19.31 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
NRIM' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.28  Med: 14.87 Max: 227.34
Current: 19.31
8.28
227.34
P/B 0.96
NRIM's P/B is ranked higher than
59% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. NRIM: 0.96 )
Ranked among companies with meaningful P/B only.
NRIM' s P/B Range Over the Past 10 Years
Min: 0.41  Med: 1.05 Max: 1.91
Current: 0.96
0.41
1.91
P/S 1.77
NRIM's P/S is ranked higher than
76% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. NRIM: 1.77 )
Ranked among companies with meaningful P/S only.
NRIM' s P/S Range Over the Past 10 Years
Min: 0.77  Med: 2.28 Max: 17.72
Current: 1.77
0.77
17.72
PFCF 7.54
NRIM's PFCF is ranked higher than
65% of the 810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. NRIM: 7.54 )
Ranked among companies with meaningful PFCF only.
NRIM' s PFCF Range Over the Past 10 Years
Min: 3.05  Med: 11.81 Max: 269.57
Current: 7.54
3.05
269.57
POCF 6.28
NRIM's POCF is ranked higher than
65% of the 913 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.21 vs. NRIM: 6.28 )
Ranked among companies with meaningful POCF only.
NRIM' s POCF Range Over the Past 10 Years
Min: 2.97  Med: 8.82 Max: 46.05
Current: 6.28
2.97
46.05
EV-to-EBIT 4.87
NRIM's EV-to-EBIT is ranked higher than
83% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.74 vs. NRIM: 4.87 )
Ranked among companies with meaningful EV-to-EBIT only.
NRIM' s EV-to-EBIT Range Over the Past 10 Years
Min: -7.2  Med: 4.9 Max: 11.8
Current: 4.87
-7.2
11.8
EV-to-EBITDA 4.41
NRIM's EV-to-EBITDA is ranked higher than
83% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.33 vs. NRIM: 4.41 )
Ranked among companies with meaningful EV-to-EBITDA only.
NRIM' s EV-to-EBITDA Range Over the Past 10 Years
Min: -7.5  Med: 4.4 Max: 9.7
Current: 4.41
-7.5
9.7
PEG 0.86
NRIM's PEG is ranked higher than
62% of the 735 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. NRIM: 0.86 )
Ranked among companies with meaningful PEG only.
NRIM' s PEG Range Over the Past 10 Years
Min: 0.65  Med: 0.9 Max: 2
Current: 0.86
0.65
2
Shiller P/E 13.19
NRIM's Shiller P/E is ranked higher than
75% of the 493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.48 vs. NRIM: 13.19 )
Ranked among companies with meaningful Shiller P/E only.
NRIM' s Shiller P/E Range Over the Past 10 Years
Min: 4.63  Med: 12.64 Max: 20.69
Current: 13.19
4.63
20.69

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.00
NRIM's Dividend Yield is ranked higher than
53% of the 2183 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. NRIM: 3.00 )
Ranked among companies with meaningful Dividend Yield only.
NRIM' s Dividend Yield Range Over the Past 10 Years
Min: 1.55  Med: 2.56 Max: 8.84
Current: 3
1.55
8.84
Dividend Payout 0.31
NRIM's Dividend Payout is ranked higher than
53% of the 1319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. NRIM: 0.31 )
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: 1.13
Current: 0.31
0.09
1.13
Dividend Growth (3y) 9.70
NRIM's Dividend Growth (3y) is ranked higher than
53% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. NRIM: 9.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
NRIM' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -8.8  Med: 11.9 Max: 28.6
Current: 9.7
-8.8
28.6
Forward Dividend Yield 3.12
NRIM's Forward Dividend Yield is ranked higher than
51% of the 2080 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.09 vs. NRIM: 3.12 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 5.11
NRIM's Yield on cost (5-Year) is ranked higher than
68% of the 2525 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.49 vs. NRIM: 5.11 )
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: 2.65  Med: 4.37 Max: 15.1
Current: 5.11
2.65
15.1
3-Year Average Share Buyback Ratio -1.90
NRIM's 3-Year Average Share Buyback Ratio is ranked higher than
51% of the 1044 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. NRIM: -1.90 )
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: -21.2  Med: -0.7 Max: 2.1
Current: -1.9
-21.2
2.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.12
NRIM's Price/Tangible Book is ranked higher than
51% of the 1577 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. NRIM: 1.12 )
Ranked among companies with meaningful Price/Tangible Book only.
NRIM' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.64  Med: 1.28 Max: 2.22
Current: 1.12
0.64
2.22
Price/Projected FCF 0.60
NRIM's Price/Projected FCF is ranked higher than
62% of the 832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. NRIM: 0.60 )
Ranked among companies with meaningful Price/Projected FCF only.
NRIM' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.37  Med: 0.76 Max: 1.23
Current: 0.6
0.37
1.23
Price/Median PS Value 0.78
NRIM's Price/Median PS Value is ranked higher than
84% of the 1483 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. NRIM: 0.78 )
Ranked among companies with meaningful Price/Median PS Value only.
NRIM' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.49  Med: 1.05 Max: 7.2
Current: 0.78
0.49
7.2
Price/Peter Lynch Fair Value 0.95
NRIM's Price/Peter Lynch Fair Value is ranked higher than
52% of the 383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. NRIM: 0.95 )
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: 0.88 Max: 2.73
Current: 0.95
0.31
2.73
Price/Graham Number 0.72
NRIM's Price/Graham Number is ranked higher than
62% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. NRIM: 0.72 )
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: 0.72
0.55
1.23
Earnings Yield (Greenblatt) (%) 20.50
NRIM's Earnings Yield (Greenblatt) (%) is ranked higher than
87% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. NRIM: 20.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NRIM' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 8.5  Med: 19 Max: 2023.3
Current: 20.5
8.5
2023.3
Forward Rate of Return (Yacktman) (%) 15.59
NRIM's Forward Rate of Return (Yacktman) (%) is ranked higher than
60% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.77 vs. NRIM: 15.59 )
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: 10.85 Max: 24.1
Current: 15.59
4.8
24.1

More Statistics

Revenue (TTM) (Mil) $100.8
EPS (TTM) $ 2.47
Beta0.63
Short Percentage of Float2.48%
52-Week Range $21.60 - 29.75
Shares Outstanding (Mil)6.88

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 2.31 2.15
EPS w/o NRI ($) 2.31 2.15
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.78 0.82
» 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
How Best to Value Bank Stocks? Sep 16 2016
Michael Martin Promoted to Chief Operating Officer of Northrim Bank Aug 31 2016
NORTHRIM BANCORP INC Files SEC form 8-K, Change in Directors or Principal Officers, Other Events,... Aug 30 2016
Michael Martin Promoted to Chief Operating Officer of Northrim Bank Aug 30 2016
Michael Martin Promoted to Chief Operating Officer of Northrim Bank Aug 30 2016
Northrim BanCorp, Inc. Raises Quarterly Cash Dividend 5.3% to $0.20 per Share Aug 26 2016
Northrim BanCorp, Inc. Raises Quarterly Cash Dividend 5.3% to $0.20 per Share Aug 26 2016
NORTHRIM BANCORP INC Financials Aug 17 2016
NORTHRIM BANCORP INC Files SEC form 10-Q, Quarterly Report Aug 08 2016
Northrim BanCorp, Inc. :NRIM-US: Earnings Analysis: Q2, 2016 By the Numbers : August 4, 2016 Aug 04 2016
NORTHRIM BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Aug 01 2016
Northrim posts 2Q profit Aug 01 2016
Northrim posts 2Q profit Aug 01 2016
Northrim BanCorp Earns $4.4 Million, or $0.63 per Diluted Share in 2Q16 Aug 01 2016
Northrim BanCorp Earns $4.4 Million, or $0.63 per Diluted Share in 2Q16 Aug 01 2016
Rain or Shine, Northrim Bank Hosts its Annual Customer Appreciation Barbeque Jun 17 2016
Northrim Bank Promotes Compliance Officer Jun 03 2016
NORTHRIM BANCORP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 31 2016
Northrim BanCorp, Inc. Declares Quarterly Cash Dividend of $0.19 per Share May 27 2016
NORTHRIM BANCORP INC Files SEC form 10-Q, Quarterly Report May 09 2016

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