Northrim BanCorp, Inc. (NRIM)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$23.57-3.80%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · NRIM
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -0.7% |
| Our one-year growth estimate | diamond | 5.2% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 5.9 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
NRIM — earnings miss
Dated 2026-10-15
Results from Operations and Financial Condition. On October 15, 2026, Northrim BanCorp, Inc., an Alaska corporation (“Northrim”), announced by press release its earnings for the third quarter ended September 30, 2026. This information shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expre…
Why it matters: Loan and deposit growth has backed Northrim's relationship banking plan. A slowdown would weaken a key growth signal.
Supportive ifLoans rise above $2.40 billion and deposits rise above $3.05 billion in the next reported quarter.
Worry ifLoans fall below $2.40 billion or deposits fall below $3.05 billion in the next reported quarter.
Why it matters: A single Specialty Finance relationship drove a larger credit provision in Q3. Another large charge could further cut earnings.
Worry ifA later quarter reports credit loss provisions above $7.7 million. Or, it reports another loss tied to the same customer.
Less concerning ifThe next quarter's provision is below $7.7 million, with no new impairment tied to this customer.
Why it matters: The latest quarterly dividend rose from $0.16 to $0.17. Keeping that amount would support the stated focus on steady payouts.
Supportive ifNorthrim declares a quarterly dividend of at least $0.17 per share.
Worry ifNorthrim declares a quarterly dividend of less than $0.17 per share.
Why it matters: Northrim says the deal would add markets in Southern Oregon and the Willamette Valley. Closing would expand the bank beyond Alaska.
Supportive ifNorthrim and PBCO get the needed shareholder and regulatory approvals. The merger closes by March 31, 2027.
Worry ifAn approval fails, the deal is ended, or the merger does not close by March 31, 2027.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$86 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $279 loss on $10,000 · 2.8% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,493 loss on $10,000 · 24.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.