NRIM
Financial ServicesNorthrim BanCorp, Inc. · Banks - Regional · $550M
What is Northrim BanCorp, Inc.?
Northrim BanCorp is an Anchorage-based bank holding company serving businesses and professional individuals across Alaska through its subsidiary, Northrim Bank. Founded in 1990, it has built a regional presence across two core business segments.
The company operates through Community Banking and Home Mortgage Lending segments. It generates revenue by taking deposits — checking, savings, money market, and certificates of deposit — and deploying that capital into commercial loans, real estate and construction financing, and consumer credit. Digital banking tools, debit and credit cards, and payment services round out the customer offering.
Northrim BanCorp was founded in 1990 and is headquartered in Anchorage, Alaska.
- Commercial and consumer lending
- Home mortgage origination
- Deposit accounts and business sweep accounts
- Digital and mobile banking services
Is NRIM a Good Stock to Buy?
UQS Score rates NRIM as Good overall, reflecting a balanced profile with notable strengths and one area of concern.
The Quality pillar stands out as the clearest positive — suggesting the bank manages its balance sheet and earnings with discipline relative to peers. The Risk pillar also scores well, indicating a conservative operating posture that suits a regional lender. Valuation is rated Attractive, meaning the stock does not appear expensive relative to its fundamentals.
The Moat pillar is rated Weak, which is common for community banks that compete primarily on geography and relationships rather than durable structural advantages.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does NRIM pay dividends?
Yes — Northrim BanCorp, Inc. pays a dividend.
Northrim BanCorp pays a regular dividend, which is consistent with its profile as a profitable community bank generating steady cash flows. Regional banks with disciplined balance sheets often return capital to shareholders through dividends rather than aggressive reinvestment. Income-oriented investors typically view a consistent dividend history as a signal of management confidence in ongoing earnings.
When does NRIM report earnings?
Northrim BanCorp reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's Good Risk and Strong Quality scores suggest earnings have been generated with reasonable consistency and balance-sheet discipline. Growth has been Neutral, pointing to steady rather than accelerating performance in recent periods.
For the most recent quarter's results, visit Northrim BanCorp's investor relations page directly.
NRIM Price History
+169.5% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Northrim BanCorp, Inc.?
Based on Northrim BanCorp, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
NRIM Long-term Outlook
With a Neutral Growth pillar and a Good Risk rating, Northrim's fundamental outlook reflects a stable, measured trajectory rather than rapid expansion. The Attractive Valuation label suggests the market may not be fully pricing in the bank's quality characteristics. The primary headwind is the Weak Moat score, which limits pricing power in a competitive regional lending environment.
Growth drivers
- Alaska's relatively insulated regional economy providing a stable deposit base
- Mortgage lending activity tied to local housing demand
- Expansion of digital banking services to deepen customer relationships
Key risks
- Limited competitive moat in community banking leaves the bank exposed to larger institutions
- Interest rate sensitivity affecting net interest margins
- Geographic concentration in a single state economy
NRIM vs Peers
Northrim BanCorp operates in the small-cap community banking space alongside several regional peers.
Flushing Financial focuses on the New York metro market, giving it a denser urban deposit base compared to Northrim's Alaska-centric geography.
Unity Bancorp serves New Jersey and Pennsylvania communities, competing on small-business lending in a higher-density market than Northrim.
Carter Bankshares operates across Virginia and North Carolina, offering a southeastern US alternative to Northrim's Pacific Northwest footprint.
Frequently Asked Questions
What does Northrim BanCorp do?
Northrim BanCorp is the holding company for Northrim Bank, a community bank based in Anchorage, Alaska. It provides commercial loans, mortgage lending, deposit accounts, and digital banking services to businesses and individuals primarily within Alaska.
Does NRIM pay dividends?
Yes, Northrim BanCorp pays a regular dividend. This is consistent with the bank's profile as a profitable regional lender that returns capital to shareholders. For current dividend details, check the company's investor relations page or your brokerage.
When does NRIM report earnings?
Northrim BanCorp reports on a quarterly cadence, as is standard for US-listed bank holding companies. For the exact schedule and most recent results, visit the company's investor relations page.
Is NRIM a good stock to buy?
UQS Score rates NRIM as Good overall. The Quality and Risk pillars are among the stronger points of the profile, and Valuation is rated Attractive. The Moat pillar is Weak, which is a common trait among community banks. The full pillar breakdown is available to UQS Pro members.
Is NRIM overvalued?
Based on the UQS Valuation pillar, NRIM is rated Attractive — meaning the stock does not appear expensive relative to its fundamental profile. This does not constitute a price prediction, but it suggests the market may be pricing the stock conservatively relative to its quality characteristics.
How does NRIM compare to its competitors?
Northrim competes with other small-cap community banks such as Flushing Financial, Unity Bancorp, and Carter Bankshares. Its key differentiator is its Alaska-focused geography, which provides a degree of market insulation but also limits scale compared to peers in larger metro areas.
What is NRIM's market cap bracket?
Northrim BanCorp is classified as a small-cap company. This places it in a segment of the market that can offer growth potential but typically carries higher liquidity risk and less analyst coverage than large-cap peers.
Who founded Northrim BanCorp?
Northrim BanCorp was founded in 1990. For detailed founding history and leadership background, the company's official website and public filings are the most reliable sources.
Is NRIM a long-term quality investment?
UQS Score evaluates long-term quality through five pillars. NRIM's Strong Quality and Good Risk ratings suggest a disciplined operation, while the Neutral Growth and Weak Moat scores indicate limited structural advantages. Pro members can view the complete analysis to assess long-term fit for their portfolio.
What sector does NRIM belong to?
Northrim BanCorp operates in the Financial Services sector, specifically within community and regional banking. Investors interested in this segment can explore other [financial sector stocks](/sector/financial-services) rated by UQS Score.
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Pro Analysis
NRIM — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 7, 2026 | 66.0 | 97.2 | 27.0 | 45.8 | 74.7 | 97.4 | 0.0 |
| Apr 18, 2026 | 66.0 | 97.2 | 27.0 | 45.8 | 74.7 | 97.1 | -0.4 |
| Apr 17, 2026 | 66.4 | 97.2 | 27.0 | 45.8 | 74.7 | 100.0 | 0.0 |
| Apr 2, 2026 | 66.4 | 97.2 | 27.0 | 46.0 | 74.7 | 100.0 | — |
NRIM — Pillar Breakdown
Quality
— 96.9/100 (25%)Northrim BanCorp, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 45.8/100 (20%)Northrim BanCorp, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 74.7/100 (15%)Northrim BanCorp, Inc. maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 97.7/100 (15%)Northrim BanCorp, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
Enterprise value multiple relative to sector median.
Moat
— 27/100 (25%)Northrim BanCorp, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for NRIM.
Score Composition
Financial Data
More Stock Analysis
How is the NRIM UQS Score Calculated?
The UQS (Unified Quality Score) for Northrim BanCorp, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Northrim BanCorp, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Northrim BanCorp, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.