Northrim Bancorp Inc
NRIM Nasdaq· Savings Institution, Federally Chartered
Last close · Oct 23, 2026
$23.86
KIRA · Stoqly’s AI analyst, in plain words
- Northrim Bancorp Inc had $256M of revenue in fiscal 2025, up 30.4% on the year before. Over five years, revenue changed +13.8% a year on average.
- Northrim Bancorp Inc made $64.6M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 3.8% a year.
- Northrim Bancorp Inc returned $14.5M to shareholders in fiscal 2025, 11% of free cash flow. The diluted share count rose 0.7%.
- It earned 21.8% on shareholders’ money. Running costs took 48.7% of revenue (the efficiency ratio; lower is better).
Market cap
$538M
P/E
7.8x
Revenue
$256M
Net income
$64.6M
Return on equity
21.8%
Efficiency ratio
48.7%
Northrim Bancorp Inc in 30 seconds · fiscal 2025
Are sales growing?
+30.4%
Yes. Sales grew 30.4% last year.
Does it make a profit?
25.3%
Yes. It keeps 25.3% of every sale as profit.
How lean are its costs?
48.7%
Lean. Running costs take 48.7% of revenue.
How much does it earn on its capital?
21.8%
Good. It earns 21.8% a year on shareholders’ money.
How is the share priced?
7.8x
One share costs 7.8 times its yearly profit per share.
What Northrim Bancorp Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 6, 2026
- Legal name
- NORTHRIM BANCORP INC
- CIK
- 0001163370
Northrim Bancorp Inc · NRIM
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $133M | $134M | $158M | $196M | $256M |
| Revenue growth | −0.7% | 1.0% | 17.8% | 23.8% | 30.4% |
| Net interest income | $80.8M | $95.1M | $103M | $113M | $136M |
| Gross margin | — | 94.7% | 79.4% | 77.5% | 81.7% |
| Net income | $37.5M | $30.7M | $25.4M | $37.0M | $64.6M |
| Net margin | 28.2% | 22.9% | 16.0% | 18.9% | 25.3% |
| Diluted EPS | $6.00 | $5.27 | $1.12 | $1.66 | $2.87 |
| Cash | |||||
| Cash from operations | $112M | $78.1M | $38.8M | −$8.7M | $139M |
| Capital expenditure | $2.3M | $3.8M | $6.2M | $0.6M | $5.5M |
| Free cash flow | $110M | $74.3M | $32.6M | −$9.3M | $134M |
| FCF margin | 82.4% | 55.3% | 20.6% | −4.8% | 52.4% |
| Dividends paid | $9.4M | $10.6M | $13.6M | $13.8M | $14.5M |
| Share buybacks | $11.5M | $14.2M | $9.0M | $0.8M | $0.0M |
| Share count change | −2.8% | −6.7% | 288.5% | −1.4% | 0.7% |
| Debt and strength | |||||
| Cash and short-term investments | $646M | $259M | $119M | $62.7M | $146M |
| Debt incl. finance leases | $14.5M | $14.1M | $13.7M | $23.0M | $81.7M |
| Loans, net | $1.4B | $1.5B | $1.8B | $2.1B | $2.3B |
| Deposits | $2.4B | $2.4B | $2.5B | $2.7B | $2.8B |
| Shareholders' equity | $238M | $219M | $235M | $267M | $327M |
| Returns and quality | |||||
| Return on equity | 16.3% | 13.5% | 11.2% | 14.7% | 21.8% |
| Return on tangible equity | 16.9% | 15.2% | 11.6% | 17.1% | 23.4% |
| Efficiency ratio | 67.0% | 66.1% | 59.5% | 53.6% | 48.7% |
| Piotroski F-score | 5 | 6 | 5 | 4 | 6 |
Insiders bought, 12 months
$0.2M
5 insiders
Insiders sold, 12 months
$0.6M
4 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Northrim Bancorp Inc · NRIM
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $23.86 a share, the company is worth $538M: 7.8 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001163370). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.