Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
NRIM 
Northrim BanCorp Inc (NRIM)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
10/15/2025: NRIM (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $27
1 Year Target Price $27
| 2 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 45.64% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 444.46M USD | Price to earnings Ratio 10.06 | 1Y Target Price 27 |
Price to earnings Ratio 10.06 | 1Y Target Price 27 | ||
Volume (30-day avg) 2 | Beta 0.95 | 52 Weeks Range 15.06 - 24.88 | Updated Date 10/17/2025 |
52 Weeks Range 15.06 - 24.88 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 3.22% | Basic EPS (TTM) 2 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-22 | When After Market | Estimate 2.36 | Actual - |
Profitability
Profit Margin 25.63% | Operating Margin (TTM) 34.25% |
Management Effectiveness
Return on Assets (TTM) 1.48% | Return on Equity (TTM) 16.69% |
Valuation
Trailing PE 10.06 | Forward PE 12.77 | Enterprise Value 381053248 | Price to Sales(TTM) 2.54 |
Enterprise Value 381053248 | Price to Sales(TTM) 2.54 | ||
Enterprise Value to Revenue 3.08 | Enterprise Value to EBITDA - | Shares Outstanding 22090668 | Shares Floating 21477652 |
Shares Outstanding 22090668 | Shares Floating 21477652 | ||
Percent Insiders 2.77 | Percent Institutions 73.75 |
Upturn AI SWOT
Northrim BanCorp Inc
Company Overview
History and Background
Northrim BanCorp, Inc. was founded in 1990 and is headquartered in Anchorage, Alaska. It operates primarily as a community bank, focusing on serving the needs of businesses and individuals in Alaska.
Core Business Areas
- Community Banking: Offers a range of commercial and retail banking services, including deposit accounts, loans, and other financial services to businesses and individuals in Alaska.
- Mortgage Lending: Provides mortgage lending services for residential and commercial properties.
- Wealth Management: Offers wealth management and investment advisory services.
Leadership and Structure
The company is led by its executive team, including the CEO, CFO, and other key officers. The organizational structure typically involves various departments responsible for different aspects of the business.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, such as working capital, equipment purchases, and real estate financing. This segment competes with other regional and national banks. Market share data is not publicly available at a granular level. Competitors include First National Bank Alaska and KeyBank (KEY).
- Residential Mortgages: Offers mortgage loans to individuals for purchasing or refinancing homes. Market share data is not publicly available. Competitors include Wells Fargo (WFC) and Bank of America (BAC).
- Deposit Accounts: Provides checking, savings, and other deposit accounts to individuals and businesses. Competitors include national banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is highly competitive and regulated. Banks face challenges such as interest rate fluctuations, regulatory changes, and increasing competition from non-bank financial institutions.
Positioning
Northrim BanCorp positions itself as a community bank with a strong focus on serving the Alaskan market. Its competitive advantages may include local expertise and customer relationships.
Total Addressable Market (TAM)
The TAM consists of the total banking and financial services market in Alaska. Northrim's position within this TAM is substantial but limited to the geographical region, facing competition from larger national players.
Upturn SWOT Analysis
Strengths
- Strong presence in the Alaskan market
- Established customer relationships
- Local market expertise
- Diversified revenue streams (banking, mortgage, wealth management)
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on the Alaskan economy
- Higher cost structure in Alaska.
Opportunities
- Expansion into underserved markets in Alaska
- Growth in wealth management services
- Adoption of new technologies to improve efficiency
- Strategic acquisitions.
Threats
- Economic downturn in Alaska
- Increased competition from national banks and fintech companies
- Regulatory changes
- Interest rate fluctuations
Competitors and Market Share
Key Competitors
- FNBA
- KEY
- WFC
- BAC
Competitive Landscape
Northrim faces competition from larger national banks and smaller local institutions. Its advantages lie in its local expertise and customer relationships.
Growth Trajectory and Initiatives
Historical Growth: Growth has been steady but correlated with the Alaskan economy.
Future Projections: Future growth will depend on the overall economic outlook and strategic initiatives.
Recent Initiatives: Recent initiatives vary with each report.
Summary
Northrim BanCorp is a well-established community bank in Alaska with a diversified revenue stream. Its success is closely tied to the Alaskan economy, which presents both opportunities and risks. While its strong local presence is a strength, it needs to carefully manage competition from larger national players and potential economic downturns. Maintaining a stable dividend payout and focusing on growth in underserved markets should provide a stable future.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions can change rapidly and materially affect the performance of the company.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Northrim BanCorp Inc
Exchange NASDAQ | Headquaters Anchorage, AK, United States | ||
IPO Launch date 1993-10-25 | President, COO, CEO & Director Mr. Michael G. Huston | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 503 | Website https://www.northrim.com |
Full time employees 503 | Website https://www.northrim.com | ||
Northrim BanCorp, Inc. operates as the bank holding company for Northrim Bank that provides commercial banking products and services to businesses and professional individuals. The company operates through three segments: Community Banking, Home Mortgage Lending, and Specialty Finance. It offers noninterest-bearing checking accounts and interest-bearing time deposits, checking and savings accounts, individual retirement and money market deposit accounts, certificates of deposit, and business sweep accounts. The company also provides short and medium-term commercial loans, commercial credit lines, construction and real estate loans, and consumer loans, as well as short and medium-term working capital. In addition, it offers consumer and business online banking, mobile app, and mobile deposits; and debit and credit cards. Further, the company provides mobile web and app banking, consumer online account opening, personal finance, online documents, consumer debit cards, business debit cards, my rewards for consumer debit cards, retail lockbox services, card control, corporate purchase cards, integrated payables, home equity advantage access cards, telebanking, and automated teller services. Additionally, it offers personalized checks at account opening, overdraft protection from a savings account, commercial drive-up banking, automatic transfer and payment, external transfer, bill pay, wire transfer, direct payroll deposit, electronic tax payment, automated clearing house origination and receipt, remote deposit capture, account reconciliation and positive pay, merchant, cash management, annuity, and long-term investment portfolio products and services. The company also provides investment advisory, trust, wealth management, factoring, and mortgage services. The company was founded in 1990 and is headquartered in Anchorage, Alaska.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.