NRIM (Northrim BanCorp) Moat Score: 4/10 (As of Aug. 04, 2026)

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NRIM Northrim BanCorp Inc NRIM
72 GF Score
Price $27.08
GF Value $25.96
Valuation Fairly Valued
! 4 Warning Signs
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What is Northrim BanCorp Moat Score?

Northrim BanCorp NRIM -0.62% 72 Moat Score is 4 as of Aug. 04, 2026. GuruFocus rates NRIM with a GF Score™ of 72/100 and a GF Value™ of $25.96 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,608 Banks companies, Northrim BanCorp ranks better than 86.26% on this metric.

Northrim BanCorp has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Northrim BanCorp has Narrow Moat: Northrim BanCorp Inc has a modest moat due to its regional banking presence and customer loyalty. However, the competitive banking industry and lack of significant cost advantages limit its moat strength.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Northrim BanCorp might have Narrow Moat - Discernible but modest moat.

Northrim BanCorp  (NAS:NRIM) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Northrim BanCorp Moat Score Related Terms

NRIM vs CIVB, NPB, KRNY: Moat Score Comparison

For the Banks - Regional subindustry, Northrim BanCorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Northrim BanCorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Northrim BanCorp's Moat Score falls into.


NRIM
72GF Score
Northrim BanCorp Inc NRIM
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Northrim BanCorp (NRIM) has a Moat Score of 4 as of Aug. 04, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Northrim BanCorp ranks #221 out of 1608 companies in the Banks industry, placing it in the top 13.7%.
Is Northrim BanCorp's Moat Score too high?
Northrim BanCorp's current Moat Score is 4. Based on the distribution chart, Northrim BanCorp ranks #221 out of 1608 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Northrim BanCorp has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Northrim BanCorp's Moat Score compare to CIVB and NPB?
According to the Banks industry distribution chart, Northrim BanCorp ranks #221 out of 1608 companies for Moat Score. This places Northrim BanCorp in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Northrim BanCorp's current Moat Score is 4. 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 $25.96, compared to a current price of $27.08 — trading 4.3% above its estimated fair value. The current Moat Score is 4. Northrim BanCorp's overall GF Score™ is 72/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Northrim BanCorp (NRIM), the current Moat Score is 4 as of Aug. 04, 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 $27.08 is trading 4.3% above its estimated GF Value™ of $25.96. GuruFocus considers Northrim BanCorp to be Fairly Valued.

Key valuation signals for NRIM:

  • Moat Score: 4
  • GF Value™: $25.96 vs. price of $27.08 (4.3% above fair value)
  • GF Score™: 72/100 with 4 warning signs

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 Business Description

Other Exchanges NRI:Germany
Address 3111 C Street, Anchorage, AK, USA, 99503
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.
72GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$27.08
Price
$25.96
GF Value