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Northrim BanCorpNRIM -0.62%72 Net Margin % is 28.48% as of Jun. 2026, which is 26% above its 10-year median of 22.61. 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 1,525 Banks companies, Northrim BanCorp ranks better than 62.75% on this metric.
Northrim BanCorp (NAS:NRIM) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Northrim BanCorp Net Margin % Related Terms
Northrim BanCorp Net Margin % Historical Data
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The historical data trend for Northrim BanCorp's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Northrim BanCorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Northrim BanCorp's Net Margin % 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 Net Margin % of 28.48% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Northrim BanCorp and its competitors. This is 26% above median its historical median of 22.61. Over the past decade, Northrim BanCorp's Net Margin % has ranged from 14.03 to 30.91. According to the industry distribution chart, Northrim BanCorp ranks #568 out of 1525 companies in the Banks industry, placing it in the top 37.2%.
Is Northrim BanCorp's Net Margin % too high?
Northrim BanCorp's current Net Margin % of 28.48% is 26% above median its 10-year median of 22.61. Over the past 10 years, this metric has ranged from a low of 14.03 to a high of 30.91. The Banks industry median Net Margin % is 27.08. Northrim BanCorp's value of 28.48% is 5.2% above this industry median. Based on the distribution chart, Northrim BanCorp ranks #568 out of 1525 companies in the Banks industry, which is above the industry midpoint. 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 Net Margin % compare to CIVB and NPB?
According to the Banks industry distribution chart, Northrim BanCorp ranks #568 out of 1525 companies for Net Margin %. This puts Northrim BanCorp in the upper half of its industry. The industry median Net Margin % is 27.08. Northrim BanCorp's value of 28.48% is 5.2% above this benchmark. Historically, Northrim BanCorp's own Net Margin % has ranged from 14.03 to 30.91 over the past decade. While the company's 10-year median is 22.61 vs. the industry median of 27.08, Northrim BanCorp has consistently been above 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.08, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northrim BanCorp's current Net Margin % of 28.48% is 5.2% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Northrim BanCorp and its competitors. For the Banks industry, the median Net Margin % is 27.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northrim BanCorp's current Net Margin % is 28.48%, which is 26% above median its own 10-year median of 22.61. 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 Net Margin % is 28.48%, which is 26% above median its 10-year median of 22.61 and 5.2% above the Banks industry median of 27.08. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Northrim BanCorp (NRIM), the current Net Margin % is 28.48% 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 $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:
Net Margin %: 28.48% (26% above median its 10-year median of 22.61)
GF Value™: $25.96 vs. price of $27.08 (4.3% above fair value)
Industry Position: 5.2% above the Banks median (#568 of 1525)
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.
72GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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