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Northrim BanCorpNRIM -1.18%85 Debt-to-Equity is 0.27 as of Jun. 2026, which is 80% above its 10-year median of 0.15. GuruFocus rates NRIM with a GF Score™ of 85/100 and a GF Value™ of $24.00 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,421 Banks companies, Northrim BanCorp ranks better than 71.29% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Northrim BanCorp's Debt-to-Equity or its related term are showing as below:
NRIM'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.09 Med: 0.15 Max: 0.39
Current: 0.27
During the past 13 years, the highest Debt-to-Equity Ratio of Northrim BanCorp was 0.39. The lowest was 0.09. And the median was 0.15.
NRIM's Debt-to-Equity is ranked better than 71.29% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs NRIM: 0.27
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Northrim BanCorp Debt-to-Equity Related Terms
Northrim BanCorp Debt-to-Equity Historical Data
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The historical data trend for Northrim BanCorp's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NRIM vs CIVB, NPB, KRNY: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Northrim BanCorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Northrim BanCorp Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Northrim BanCorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Northrim BanCorp's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Northrim BanCorp (NRIM) has a Debt-to-Equity of 0.27 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Northrim BanCorp and its competitors. This is 80% above median its historical median of 0.15. Over the past decade, Northrim BanCorp's Debt-to-Equity has ranged from 0.09 to 0.39. According to the industry distribution chart, Northrim BanCorp ranks #408 out of 1421 companies in the Banks industry, placing it in the top 28.7%.
Is Northrim BanCorp's Debt-to-Equity too high?
Northrim BanCorp's current Debt-to-Equity of 0.27 is 80% above median its 10-year median of 0.15. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.39. The Banks industry median Debt-to-Equity is 0.58. Northrim BanCorp's value of 0.27 is 53.4% below this industry median. Based on the distribution chart, Northrim BanCorp ranks #408 out of 1421 companies in the Banks industry, which is above the industry midpoint. Overall, Northrim BanCorp has a GF Score™ of 85/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Northrim BanCorp's Debt-to-Equity compare to CIVB and NPB?
According to the Banks industry distribution chart, Northrim BanCorp ranks #408 out of 1421 companies for Debt-to-Equity. This puts Northrim BanCorp in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Northrim BanCorp's value of 0.27 is 53.4% below this benchmark. Historically, Northrim BanCorp's own Debt-to-Equity has ranged from 0.09 to 0.39 over the past decade. While the company's 10-year median is 0.15 vs. the industry median of 0.58, Northrim BanCorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northrim BanCorp's current Debt-to-Equity of 0.27 is 53.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Northrim BanCorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northrim BanCorp's current Debt-to-Equity is 0.27, which is 80% above median its own 10-year median of 0.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Northrim BanCorp stock overvalued right now?
Based on GuruFocus' analysis, Northrim BanCorp (NRIM) is currently considered Modestly Overvalued. The stock's GF Value™ is $24.00, compared to a current price of $26.90 — trading 12.1% above its estimated fair value. The current Debt-to-Equity is 0.27, which is 80% above median its 10-year median of 0.15 and 53.4% below the Banks industry median of 0.58. Northrim BanCorp's overall GF Score™ is 85/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Northrim BanCorp (NRIM), the current Debt-to-Equity is 0.27 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Northrim BanCorp (NRIM) Overvalued in 2026?
Based on GuruFocus' analysis, Northrim BanCorp stock appears to be overvalued.
The current stock price of $26.90 is trading 12.1% above its estimated GF Value™ of $24.00.
GuruFocus considers Northrim BanCorp to be Modestly Overvalued.
Key valuation signals for NRIM:
Debt-to-Equity: 0.27 (80% above median its 10-year median of 0.15)
GF Value™: $24.00 vs. price of $26.90 (12.1% above fair value)
Industry Position: 53.4% below the Banks median (#408 of 1421)
No single metric tells the full story. See the NRIM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Northrim BanCorp Inc is a bank holding company operating through three reportable segments: Community Banking, Home Mortgage Lending, and Specialty Finance. The Community Banking segment, which generates the majority of revenue, provides loan and deposit products to business and consumer customers in its market areas. The Home Mortgage Lending segment focuses on the origination and sale of mortgage loans for one-to-four family residential properties, mortgage loan servicing for certain loans sold, and investment in selected residential mortgage loans. The Specialty Finance segment provides factoring, asset-based lending, and alternative working capital solutions to small and medium-sized enterprises and includes SCF and Northrim Funding Services.
85GF Score
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