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Northrim BanCorpNRIM +0.70%83 EV-to-OCF is 2.56 as of Sep. 03, 2026, which is 47% below its 10-year median of 4.81. GuruFocus rates NRIM with a GF Score™ of 83/100 and a GF Value™ of $23.27 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,488 Banks companies, Northrim BanCorp ranks better than 56.45% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Northrim BanCorp's Enterprise Value is $498.5 Mil.
Northrim BanCorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $194.5 Mil. Therefore, Northrim BanCorp's EV-to-OCF for today is 2.56.
The historical rank and industry rank for Northrim BanCorp's EV-to-OCF or its related term are showing as below:
NRIM'
s EV-to-OCF Range Over the Past 10 Years
Min: -251.58 Med: 4.81 Max: 270.36
Current: 2.56
During the past 13 years, the highest EV-to-OCF of Northrim BanCorp was 270.36. The lowest was -251.58. And the median was 4.81.
NRIM's EV-to-OCF is ranked better than 56.45% of 1488
companies
in the Banks industry
Industry Median: 4.015
vs NRIM: 2.56
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Northrim BanCorp's PE Ratio (TTM) for today is calculated as:
Northrim BanCorp's share price for today is $25.96.
Northrim BanCorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.040.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Northrim BanCorp EV-to-OCF Related Terms
Northrim BanCorp EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Northrim BanCorp's EV-to-OCF 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.
For the Banks - Regional subindustry, Northrim BanCorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Northrim BanCorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Northrim BanCorp's EV-to-OCF falls into.
Northrim BanCorp's current Enterprise Value is $498.5 Mil.
Northrim BanCorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $194.5 Mil.
* 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 EV-to-OCF of 2.56 as of Sep. 03, 2026. This is 47% below median its historical median of 4.81. According to the industry distribution chart, Northrim BanCorp ranks #648 out of 1488 companies in the Banks industry, placing it in the top 43.5%.
Is Northrim BanCorp's EV-to-OCF too high?
Northrim BanCorp's current EV-to-OCF of 2.56 is 47% below median its 10-year median of 4.81. The Banks industry median EV-to-OCF is 4.02. Northrim BanCorp's value of 2.56 is 36.2% below this industry median. Based on the distribution chart, Northrim BanCorp ranks #648 out of 1488 companies in the Banks industry, which is above the industry midpoint. Overall, Northrim BanCorp has a GF Score™ of 83/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Northrim BanCorp's EV-to-OCF compare to CIVB and DBIN?
According to the Banks industry distribution chart, Northrim BanCorp ranks #648 out of 1488 companies for EV-to-OCF. This puts Northrim BanCorp in the upper half of its industry. The industry median EV-to-OCF is 4.02. Northrim BanCorp's value of 2.56 is 36.2% below this benchmark. While the company's 10-year median is 4.81 vs. the industry median of 4.02, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.02, based on 1,488 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northrim BanCorp's current EV-to-OCF of 2.56 is 36.2% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northrim BanCorp's current EV-to-OCF is 2.56, which is 47% below median its own 10-year median of 4.81. 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 $23.27, compared to a current price of $25.96 — trading 11.6% above its estimated fair value. The current EV-to-OCF is 2.56, which is 47% below median its 10-year median of 4.81 and 36.2% below the Banks industry median of 4.02. Northrim BanCorp's overall GF Score™ is 83/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Northrim BanCorp (NRIM), the current EV-to-OCF is 2.56 as of Sep. 03, 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 $25.96 is trading 11.6% above its estimated GF Value™ of $23.27.
GuruFocus considers Northrim BanCorp to be Modestly Overvalued.
Key valuation signals for NRIM:
EV-to-OCF: 2.56 (47% below median its 10-year median of 4.81)
GF Value™: $23.27 vs. price of $25.96 (11.6% above fair value)
Industry Position: 36.2% below the Banks median (#648 of 1488)
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.
83GF Score
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