Northrim BanCorpNRIM +2.61%71 EV-to-FCF is 3.94 as of Jun. 27, 2026, which is 23% below its 10-year median of 5.13. GuruFocus rates NRIM with a GF Score™ of 71/100 and a GF Value™ of $25.23 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,195 Banks companies, Northrim BanCorp ranks better than 60.92% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Northrim BanCorp's Enterprise Value is $558.5 Mil.
Northrim BanCorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $141.9 Mil. Therefore, Northrim BanCorp's EV-to-FCF for today is 3.94.
The historical rank and industry rank for Northrim BanCorp's EV-to-FCF or its related term are showing as below:
NRIM'
s EV-to-FCF Range Over the Past 10 Years
Min: -61.73 Med: 5.13 Max: 170.84
Current: 3.94
During the past 13 years, the highest EV-to-FCF of Northrim BanCorp was 170.84. The lowest was -61.73. And the median was 5.13.
NRIM's EV-to-FCF is ranked better than 60.92% of 1195
companies
in the Banks industry
Industry Median: 6.52
vs NRIM: 3.94
EV-to-FCF 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-FCF 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 $27.87.
Northrim BanCorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.883.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Northrim BanCorp EV-to-FCF Related Terms
Northrim BanCorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Northrim BanCorp's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Northrim BanCorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Northrim BanCorp's EV-to-FCF falls into.
Northrim BanCorp's current Enterprise Value is $558.5 Mil.
Northrim BanCorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $141.9 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-FCF of 3.94 as of Jun. 27, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Northrim BanCorp and its competitors. This is 23% below median its historical median of 5.13. According to the industry distribution chart, Northrim BanCorp ranks #467 out of 1195 companies in the Banks industry, placing it in the top 39.1%.
Is Northrim BanCorp's EV-to-FCF too high?
Northrim BanCorp's current EV-to-FCF of 3.94 is 23% below median its 10-year median of 5.13. The Banks industry median EV-to-FCF is 6.52. Northrim BanCorp's value of 3.94 is 39.6% below this industry median. Based on the distribution chart, Northrim BanCorp ranks #467 out of 1195 companies in the Banks industry, which is above the industry midpoint. Overall, Northrim BanCorp has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Northrim BanCorp's EV-to-FCF compare to SFST and ACNB?
According to the Banks industry distribution chart, Northrim BanCorp ranks #467 out of 1195 companies for EV-to-FCF. This puts Northrim BanCorp in the upper half of its industry. The industry median EV-to-FCF is 6.52. Northrim BanCorp's value of 3.94 is 39.6% below this benchmark. While the company's 10-year median is 5.13 vs. the industry median of 6.52, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.52, based on 1,195 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northrim BanCorp's current EV-to-FCF of 3.94 is 39.6% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Northrim BanCorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northrim BanCorp's current EV-to-FCF is 3.94, which is 23% below median its own 10-year median of 5.13. 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 Fairly Valued. The stock's GF Value™ is $25.23, compared to a current price of $27.87 — trading 10.5% above its estimated fair value. The current EV-to-FCF is 3.94, which is 23% below median its 10-year median of 5.13 and 39.6% below the Banks industry median of 6.52. Northrim BanCorp's overall GF Score™ is 71/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Northrim BanCorp (NRIM), the current EV-to-FCF is 3.94 as of Jun. 27, 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 $27.87 is trading 10.5% above its estimated GF Value™ of $25.23.
GuruFocus considers Northrim BanCorp to be Fairly Valued.
Key valuation signals for NRIM:
EV-to-FCF: 3.94 (23% below median its 10-year median of 5.13)
GF Value™: $25.23 vs. price of $27.87 (10.5% above fair value)
Industry Position: 39.6% below the Banks median (#467 of 1195)
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.
71GF Score
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