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Stock Ratings / Financials / NRIM / dividends
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Northrim BanCorp Inc (NRIM) Dividend Safety Gauge & 10-Year DRIP Compounder

$24.26 +1.72% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $24.29

Northrim BanCorp Inc (NRIM) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $530.5M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on NRIM Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is NRIM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Northrim BanCorp Inc (NASDAQ: NRIM) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $24.26 (+1.72% 1D, market cap $530.5M). Pillar breakdown: Fundamental Cash Engine 17/20, Institutional 13F & Options Flow 5/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, NRIM ranks #342 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does NRIM compare to PDLB and FMAO in the Financials sector?
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Within the Financials sector (Savings Institutions), NRIM carries a Roarable C (62/100 RQD), trailing P/E of 8.3x, gross margin of —, and ROIC of 19.8%. By comparison, PDLB (Ponce Financial Group Inc.) holds a C+ grade (68/100 RQD, P/E 19.9x, ROIC 5.1%, cap $544.0M) and FMAO (Farmers & Merchants Bancorp Inc.) posts a C+ grade (68/100 RQD, P/E 15.3x, ROIC 9.0%, cap $501.2M). Among the 5-stock peer group, NRIM leads on earnings multiple (8.3x) while NRIM leads on capital efficiency (19.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for NRIM?
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Per NRIM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001163370), Northrim BanCorp Inc generated $255.6M in revenue (+30.4% YoY), $64.6M in net income, and $133.9M in free cash flow against $3.29B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $24.29 (+0.12%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 17/20 (A-) • 52.4% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 62/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.7% avg 90D alpha vs SPY • 54.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510062
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C · Rk D+
Cash (17)Whales (5)SEC (13)Macro (10)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+1.8% Base Target
$32 Bull$25 Base$19 Bear
📬 FREE NRIM RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NRIM)Realized 20D OHLCV Swing Band: ±5%
Deterministic 5-Pillar Attribution (62/100 Composite)
🔍 WHY NRIM SCORES 62/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+17/20 pts (27% of score)

SEC XBRL FY 2025 (10-K): 52.4% FCF Margin ($133.9M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (27% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning5/20 pts (-15 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
70
Grade B$24.34-2.5% Next Q
Q2 (-2Q)
67
Grade B-$23.72+0.1% Next Q
Q3 (-1Q)
65
Grade C+$23.74+2.2% Next Q
Current
62
Grade C$24.26+0.7% Hist 90D α
Trajectory: B (70) → C (62)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the NRIM Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 62/100 (C) score, NRIM faces multiple-compression risk if 8.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($24.82) or 200D SMA ($25.07) invalidates the momentum regime and cuts Target Base ($24.70) toward Bear Floor ($19.27).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NRIM• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “NRIM Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 62%NO 38%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
4.5% Total Yield
2.7% Cash ($0.66/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
88/100 • FORTRESS PAYOUT
FREE CASH FLOW PAYOUT RATIO
14% of FCF
8 consecutive years of payout growth
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (19% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $56,947

Est. Year-10 Shareholder Yield: $2,563/yr
$11.9K
Yr 1
$14.2K
Yr 2
$16.9K
Yr 3
$20.1K
Yr 4
$23.9K
Yr 5
$28.4K
Yr 6
$33.8K
Yr 7
$40.2K
Yr 8
$47.9K
Yr 9
$56.9K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in NRIM & A-Rated Leaders

  • ✓12-month Bull/Base/Bear fair-value walkthrough on NRIM and its top sector peer
  • ✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
  • ✓Includes nightly RQD rating-change & forensic signal email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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NRIM // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +1.21%▼ DESCENDING CHANNEL
2026-11-03O $24.18H $24.26L $23.85C $24.26VOL 95.7K
RES: $24.89SUP: $22.31SMA50: $24.82SMA200: $25.07
$29.17$27.48$25.80$24.11$22.43RES $24.89SUP $22.31$24.262026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NRIM Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NRIM Butterfly Map → + Track NRIM →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-4.8%/yr Implied 5Y Growth

vs. +30.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on NRIM today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NRIM. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for NRIM today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NRIM)

Financials Rank #342 of 1097 ⚔️ PDLB vs NRIM Full Matrix →

1. Head-to-Head Financials Peer Comparison (NRIM vs. PDLB, FMAO, KRNY, HTB)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Northrim BanCorp Inc (NRIM) ranks #342 by composite RQD confidence (62/100, grade C) and #686 by equity capitalization ($530.5M). Within this direct 5-issuer industry benchmark cohort, NRIM leads on earnings valuation at 8.3x trailing P/E, while NRIM leads on capital efficiency and profitability with 19.8% ROIC and — gross margin. PDLB currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with NRIM at 62/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
NRIM ACTIVE
Northrim BanCorp Inc
C 62/100 8.3x — 19.8% +1.72% $530.5M Benchmark Subject
PDLB
Ponce Financial Group Inc.
C+ 68/100 19.9x — 5.1% -0.22% $544.0M /pdlb-vs-nrim →
FMAO
Farmers & Merchants Bancorp Inc.
C+ 68/100 15.3x — 9.0% +1.26% $501.2M /fmao-vs-nrim →
KRNY
Kearny Financial Corp
D+ 54/100 23.0x — 3.4% +2.63% $592.2M /krny-vs-nrim →
HTB
HomeTrust Bancshares Inc.
C- 60/100 11.6x — 10.7% +2.46% $732.8M /htb-vs-nrim →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001163370 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Northrim BanCorp Inc (NRIM) reported GAAP revenue of $255.6M (+30.4% vs. FY2024 revenue of $196.0M , and +61.4% cumulative change since FY2023) , GAAP net income of $64.6M, operating cash flow of $139.3M, and free cash flow of $133.9M (+1532.2% YoY). On the balance sheet, NRIM closed FY2025 with $3.29B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $255.6M $64.6M $139.3M $133.9M $3.29B —
FY2024 (FY) 2024-12-31 $196.0M $37.0M -$8.7M -$9.3M $3.04B —
FY2023 (FY) 2023-12-31 $158.3M $25.4M $38.8M $38.8M — —

3. NRIM Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NRIM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Northrim BanCorp Inc (NASDAQ: NRIM) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $24.26 (+1.72% 1D, market cap $530.5M). Pillar breakdown: Fundamental Cash Engine 17/20, Institutional 13F & Options Flow 5/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, NRIM ranks #342 in composite RQD confidence.

How does NRIM compare to PDLB and FMAO in the Financials sector?

Within the Financials sector (Savings Institutions), NRIM carries a Roarable C (62/100 RQD), trailing P/E of 8.3x, gross margin of —, and ROIC of 19.8%. By comparison, PDLB (Ponce Financial Group Inc.) holds a C+ grade (68/100 RQD, P/E 19.9x, ROIC 5.1%, cap $544.0M) and FMAO (Farmers & Merchants Bancorp Inc.) posts a C+ grade (68/100 RQD, P/E 15.3x, ROIC 9.0%, cap $501.2M). Among the 5-stock peer group, NRIM leads on earnings multiple (8.3x) while NRIM leads on capital efficiency (19.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for NRIM?

Per NRIM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001163370), Northrim BanCorp Inc generated $255.6M in revenue (+30.4% YoY), $64.6M in net income, and $133.9M in free cash flow against $3.29B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is NRIM trading relative to its 50-day, 200-day, and 52-week technical levels?

NRIM last traded at $24.26 (+1.72% on volume of 122,548 shares), positioning the stock -2.26% below its 50-day simple moving average ($24.82) and -3.23% below its 200-day simple moving average ($25.07). Across its 52-week range of $21.77 to $30.82, NRIM sits at the 27.5% percentile with a 14-day RSI of 44.3 (NEUTRAL RANGE) and an implied next-earnings move of ±5.0% ($23.05 to $25.47).

Direct Sub-Reports: NRIM RQD Cockpit NRIM 12M Forecast NRIM Earnings & Move NRIM Dividends & DRIP NRIM Insiders & 13F NRIM Whale Options NRIM Profit Sankey NRIM News & Why
ROARABLE RATING BRIEF • RQD 62/100 (C) ✓ SEC XBRL & RQD VERIFIED

NRIM — Northrim BanCorp Inc: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Northrim BanCorp Inc (NRIM) earns a live Roarable RQD composite score of 62/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $24.26 (+1.72% 1D, market capitalization $530.5M).

  • Fundamental Cash Engine (17/20): Anchored by return on invested capital (ROIC) of 19.8%, gross margin of —, operating margin of —, and free cash flow yield of 24.89%.
  • Whale 13F & Options Flow (5/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (10/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Northrim BanCorp Inc (NRIM) is a NASDAQ-listed issuer in the Financials sector, Savings Institutions industry,..5B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Northrim BanCorp Inc (NRIM) reported $255.6M in annual revenue (up from $196.0M in FY2024, +30.4% YoY) and $64.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($158.3M revenue, $25.4M net income) through FY2025, NRIM scaled operating cash flow to $139.3M and free cash flow to $133.9M, backed by $3.29B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 62/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 17/20 and Institutional Whale Flow at 5/20, sustained execution supports upside toward the upper end of the $21.77 – $30.82 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 8.3x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Savings Institutions (Financials), NRIM carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can NRIM sustain or expand its — operating margin and 19.8% ROIC against Savings Institutions peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $255.6M and free cash flow of $133.9M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is NRIM's 7.0x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

NRIM Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Northrim BanCorp Inc (NRIM) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to NRIM Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

NRIM Bull vs. Bear Conversation Board — What's Your Call at $24.26?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON NRIM 🐻 33% BEARISH CONVICTION
1. Pick Your Side on NRIM:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MI MidwestValue RQD DEBATE OPENER • Fundamental Long-Only 🐂 BULLISH 🎯 Target: $29.81 (+25.0%)
📌 Pinned Debate

Net income grew from $25.4M in FY 2023 to $64.6M in FY 2025 while the FCF yield stands at 24.89% and ROIC at 19.8%.

Don't sleep on NRIM's setup in Financials. Net income grew from $25.4M in FY 2023 to $64.6M in FY 2025 while the FCF yield stands at 24.89% and ROIC at 19.8%.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (62/100) backs up the fundamental quality.

VolSurface_Trader 🐂 BULL

@MultipleCompression Shorting a 5/20 institutional whale-flow stock at $23.85 is dangerous when funds are rotating into Financials.

MU MultipleCompression RQD DEBATE OPENER • Valuation Discipline 🐻 BEARISH 🎯 Target: $18.84 (-21.0%)
Spot @ $23.85

Multiple news items flag credit strain and a $7.7M credit-loss set-aside that reduced quarterly profit, while the Whale 13F Flow pillar

Sitting on the sidelines or leaning short NRIM above $23.85. Multiple news items flag credit strain and a $7.7M credit-loss set-aside that reduced quarterly profit, while the Whale 13F Flow pillar scores only 7 of 20.. Until Fundamental Cash Engine (17/20) and FCF yield (24.89%) inflect higher, upside is capped near $30.82.

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