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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 1.13
NRIM's Cash-to-Debt is ranked higher than
57% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.09 vs. NRIM: 1.13 )
Ranked among companies with meaningful Cash-to-Debt only.
NRIM' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.57  Med: 4.41 Max: No Debt
Current: 1.13
Equity-to-Asset 0.13
NRIM's Equity-to-Asset is ranked higher than
76% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NRIM: 0.13 )
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: 0.33
Current: 0.13
0.08
0.33
Debt-to-Equity 0.12
NRIM's Debt-to-Equity is ranked higher than
88% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. NRIM: 0.12 )
Ranked among companies with meaningful Debt-to-Equity only.
NRIM' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.04  Med: 0.17 Max: 0.47
Current: 0.12
0.04
0.47
Interest Coverage 7.97
NRIM's Interest Coverage is ranked higher than
88% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.74 vs. NRIM: 7.97 )
Ranked among companies with meaningful Interest Coverage only.
NRIM' s Interest Coverage Range Over the Past 10 Years
Min: 0.69  Med: 6.27 Max: 12.68
Current: 7.97
0.69
12.68
Beneish M-Score: -2.10
WACC vs ROIC
5.90%
9.46%
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 % 20.99
NRIM's Operating Margin % is ranked lower than
73% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. NRIM: 20.99 )
Ranked among companies with meaningful Operating Margin % only.
NRIM' s Operating Margin % Range Over the Past 10 Years
Min: 16.74  Med: 28.42 Max: 36
Current: 20.99
16.74
36
Net Margin % 14.52
NRIM's Net Margin % is ranked lower than
75% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.82 vs. NRIM: 14.52 )
Ranked among companies with meaningful Net Margin % only.
NRIM' s Net Margin % Range Over the Past 10 Years
Min: 10.63  Med: 18.53 Max: 24.07
Current: 14.52
10.63
24.07
ROE % 7.53
NRIM's ROE % is ranked lower than
55% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.56 vs. NRIM: 7.53 )
Ranked among companies with meaningful ROE % only.
NRIM' s ROE % Range Over the Past 10 Years
Min: 5.9  Med: 9.1 Max: 11.85
Current: 7.53
5.9
11.85
ROA % 0.93
NRIM's ROA % is ranked higher than
56% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. NRIM: 0.93 )
Ranked among companies with meaningful ROA % only.
NRIM' s ROA % Range Over the Past 10 Years
Min: 0.6  Med: 1.06 Max: 1.31
Current: 0.93
0.6
1.31
3-Year Revenue Growth Rate 18.40
NRIM's 3-Year Revenue Growth Rate is ranked higher than
89% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. NRIM: 18.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NRIM' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -38.1  Med: 9.3 Max: 80.8
Current: 18.4
-38.1
80.8
3-Year EBITDA Growth Rate 2.60
NRIM's 3-Year EBITDA Growth Rate is ranked lower than
61% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. NRIM: 2.60 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NRIM' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -15.5  Med: 12.1 Max: 35.2
Current: 2.6
-15.5
35.2
3-Year EPS without NRI Growth Rate 3.30
NRIM's 3-Year EPS without NRI Growth Rate is ranked lower than
61% of the 1241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. NRIM: 3.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NRIM' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -16.6  Med: 10.15 Max: 45.7
Current: 3.3
-16.6
45.7
GuruFocus has detected 6 Warning Signs with Northrim BanCorp Inc $NRIM.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NRIM's 30-Y Financials

Financials (Next Earnings Date: 2017-10-31 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2016

NRIM Guru Trades in Q3 2016

Chuck Royce 615,726 sh (unchged)
Private Capital 135,606 sh (-1.52%)
Jim Simons 93,500 sh (-4.98%)
» More
Q4 2016

NRIM Guru Trades in Q4 2016

Jim Simons 117,600 sh (+25.78%)
Chuck Royce 597,426 sh (-2.97%)
Private Capital 125,153 sh (-7.71%)
» More
Q1 2017

NRIM Guru Trades in Q1 2017

Charles Brandes 42,607 sh (New)
Private Capital 129,438 sh (+3.42%)
Chuck Royce 597,426 sh (unchged)
Jim Simons 93,000 sh (-20.92%)
» More
Q2 2017

NRIM Guru Trades in Q2 2017

Charles Brandes 50,765 sh (+19.15%)
Private Capital 128,248 sh (-0.92%)
Chuck Royce 589,226 sh (-1.37%)
Jim Simons 70,900 sh (-23.76%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Private Capital 2017-06-30 Reduce -0.92%0.01%$29.25 - $32.55 $ 33.7010%128,248
Charles Brandes 2017-06-30 Add 19.15%$29.25 - $32.55 $ 33.7010%50,765
Private Capital 2017-03-31 Add 3.42%0.02%$27.5 - $32.4 $ 33.7014%129,438
Charles Brandes 2017-03-31 New Buy0.02%$27.5 - $32.4 $ 33.7014%42,607
Private Capital 2016-12-31 Reduce -7.71%0.04%$24.45 - $32.55 $ 33.7022%125,153
Private Capital 2016-09-30 Reduce -1.52%0.01%$25.05 - $28.76 $ 33.7027%135,606
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 551111    SIC: 6035
Compare:OTCPK:JMSB, NAS:CVLY, OTCPK:CSHX, NAS:FNBG, OTCPK:FFMR, OTCPK:ISBA, NAS:PFBI, NAS:MBTF, NAS:CVCY, NAS:FGBI, NAS:NBN, NAS:PWOD, NAS:CIVB, NAS:UNB, NAS:LCNB, NAS:HBMD, NAS:BWFG, NAS:PMBC, NAS:CHFN, NAS:SHBI » details
Headquarter Location:USA
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
PE Ratio 17.00
NRIM's PE Ratio is ranked higher than
52% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. NRIM: 17.00 )
Ranked among companies with meaningful PE Ratio only.
NRIM' s PE Ratio Range Over the Past 10 Years
Min: 7.5  Med: 12.33 Max: 17.15
Current: 17
7.5
17.15
Forward PE Ratio 17.42
NRIM's Forward PE Ratio is ranked higher than
58% of the 382 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.05 vs. NRIM: 17.42 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 17.00
NRIM's PE Ratio without NRI is ranked higher than
52% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. NRIM: 17.00 )
Ranked among companies with meaningful PE Ratio without NRI only.
NRIM' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.5  Med: 12.32 Max: 17.15
Current: 17
7.5
17.15
Price-to-Owner-Earnings 21.30
NRIM's Price-to-Owner-Earnings is ranked lower than
51% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. NRIM: 21.30 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
NRIM' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 8.28  Med: 15.18 Max: 227.34
Current: 21.3
8.28
227.34
PB Ratio 1.23
NRIM's PB Ratio is ranked higher than
56% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. NRIM: 1.23 )
Ranked among companies with meaningful PB Ratio only.
NRIM' s PB Ratio Range Over the Past 10 Years
Min: 0.41  Med: 1.04 Max: 1.91
Current: 1.23
0.41
1.91
PS Ratio 2.47
NRIM's PS Ratio is ranked higher than
75% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. NRIM: 2.47 )
Ranked among companies with meaningful PS Ratio only.
NRIM' s PS Ratio Range Over the Past 10 Years
Min: 0.77  Med: 2.16 Max: 17.53
Current: 2.47
0.77
17.53
Price-to-Free-Cash-Flow 11.62
NRIM's Price-to-Free-Cash-Flow is ranked higher than
65% of the 856 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. NRIM: 11.62 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
NRIM' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.06  Med: 10.88 Max: 88.77
Current: 11.62
3.06
88.77
Price-to-Operating-Cash-Flow 9.69
NRIM's Price-to-Operating-Cash-Flow is ranked higher than
65% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.46 vs. NRIM: 9.69 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
NRIM' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.97  Med: 8.47 Max: 306.45
Current: 9.69
2.97
306.45
EV-to-EBIT 11.44
NRIM's EV-to-EBIT is ranked higher than
70% of the 1241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. NRIM: 11.44 )
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: 11.44
-7.2
11.8
EV-to-EBITDA 10.02
NRIM's EV-to-EBITDA is ranked higher than
72% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.98 vs. NRIM: 10.02 )
Ranked among companies with meaningful EV-to-EBITDA only.
NRIM' s EV-to-EBITDA Range Over the Past 10 Years
Min: -7.5  Med: 4.5 Max: 10.12
Current: 10.02
-7.5
10.12
EV-to-Revenue 2.41
NRIM's EV-to-Revenue is ranked higher than
82% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.86 vs. NRIM: 2.41 )
Ranked among companies with meaningful EV-to-Revenue only.
NRIM' s EV-to-Revenue Range Over the Past 10 Years
Min: -0.1  Med: 1.6 Max: 16
Current: 2.41
-0.1
16
PEG Ratio 3.02
NRIM's PEG Ratio is ranked lower than
68% of the 821 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.45 vs. NRIM: 3.02 )
Ranked among companies with meaningful PEG Ratio only.
NRIM' s PEG Ratio Range Over the Past 10 Years
Min: 0.65  Med: 0.94 Max: 3.91
Current: 3.02
0.65
3.91
Shiller PE Ratio 17.50
NRIM's Shiller PE Ratio is ranked higher than
70% of the 501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.54 vs. NRIM: 17.50 )
Ranked among companies with meaningful Shiller PE Ratio only.
NRIM' s Shiller PE Ratio Range Over the Past 10 Years
Min: 4.63  Med: 12.83 Max: 20.54
Current: 17.5
4.63
20.54

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.45
NRIM's Dividend Yield % is ranked higher than
51% of the 2354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. NRIM: 2.45 )
Ranked among companies with meaningful Dividend Yield % only.
NRIM' s Dividend Yield % Range Over the Past 10 Years
Min: 1.55  Med: 2.6 Max: 8.84
Current: 2.45
1.55
8.84
Dividend Payout Ratio 0.41
NRIM's Dividend Payout Ratio is ranked lower than
60% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. NRIM: 0.41 )
Ranked among companies with meaningful Dividend Payout Ratio only.
NRIM' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.28  Med: 0.31 Max: 0.7
Current: 0.41
0.28
0.7
3-Year Dividend Growth Rate 6.80
NRIM's 3-Year Dividend Growth Rate is ranked higher than
50% of the 794 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. NRIM: 6.80 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
NRIM' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 6.8 Max: 28.6
Current: 6.8
0
28.6
Forward Dividend Yield % 2.59
NRIM's Forward Dividend Yield % is ranked lower than
52% of the 2231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. NRIM: 2.59 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.84
NRIM's 5-Year Yield-on-Cost % is ranked higher than
62% of the 2778 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.98 vs. NRIM: 3.84 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
NRIM' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.43  Med: 4.07 Max: 13.85
Current: 3.84
2.43
13.85
3-Year Average Share Buyback Ratio -1.80
NRIM's 3-Year Average Share Buyback Ratio is ranked higher than
51% of the 1065 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. NRIM: -1.80 )
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: -1.8
-21.2
2.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.37
NRIM's Price-to-Tangible-Book is ranked higher than
52% of the 1573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. NRIM: 1.37 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NRIM' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.64  Med: 1.26 Max: 2.22
Current: 1.37
0.64
2.22
Price-to-Intrinsic-Value-Projected-FCF 0.84
NRIM's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
66% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. NRIM: 0.84 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
NRIM' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.37  Med: 0.76 Max: 23.73
Current: 0.84
0.37
23.73
Price-to-Median-PS-Value 1.12
NRIM's Price-to-Median-PS-Value is ranked higher than
69% of the 1527 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. NRIM: 1.12 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
NRIM' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.51  Med: 1.07 Max: 19.42
Current: 1.12
0.51
19.42
Price-to-Graham-Number 1.01
NRIM's Price-to-Graham-Number is ranked higher than
56% of the 1414 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. NRIM: 1.01 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NRIM' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.55  Med: 0.84 Max: 1.23
Current: 1.01
0.55
1.23
Earnings Yield (Greenblatt) % 8.75
NRIM's Earnings Yield (Greenblatt) % is ranked higher than
77% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.91 vs. NRIM: 8.75 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NRIM' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -5692.8  Med: 17 Max: 2023.3
Current: 8.75
-5692.8
2023.3
Forward Rate of Return (Yacktman) % 8.94
NRIM's Forward Rate of Return (Yacktman) % is ranked higher than
61% of the 934 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.21 vs. NRIM: 8.94 )
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: 10.05 Max: 24.1
Current: 8.94
4.8
24.1

More Statistics

Revenue (TTM) (Mil) $97.09
EPS (TTM) $ 2.01
Beta0.57
Short Percentage of Float3.33%
52-Week Range $24.35 - 34.10
Shares Outstanding (Mil)6.91

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.55 1.95
EPS without NRI ($) 2.55 1.95
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.84 0.84

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