Northrim BanCorp, Inc.
NASDAQ•NRIM
CEO: Mr. Michael G. Huston
板块: Financial Services
行业: Banks - Regional
上市日期: 1990-11-15
Northrim BanCorp, Inc. operates as the bank holding company for Northrim Bank that provides commercial banking products and services to businesses and professional individuals. It operates through two segments, Community Banking and Home Mortgage Lending. The company 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. It also provides short and medium-term commercial loans, commercial credit lines, construction and real estate loans, and consumer loans, as well as short-term working capital. In addition, the company offers other services comprising consumer and business online banking, mobile app, and mobile deposits; and debit and credit cards. Further, it 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, card control, corporate purchase cards, integrated payables, home equity advantage access cards, telebanking, and automated teller services. Additionally, the company offers personalized checks at account opening, overdraft protection from a savings account, commercial drive-up banking, automatic transfer and payment, People Pay, 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. It also provides investment advisory, trust, wealth management, factoring, and mortgage services. The company was founded in 1990 and is headquartered in Anchorage, Alaska.
联系方式
市值
$523.99M
市盈率 (TTM)
8.1
13.9
股息率
2.7%
52周最高
$30.82
52周最低
$16.18
52周范围
排名38Top 36.9%
4.3
F-Score
改良版 Piotroski 分析
基于 10 年期基本面
一般 • 4.3 / 9 分
评分区间 (0-9)
8-9: 价值优异
6-7: 基本面强劲
4-5: 整体稳健
0-3: 表现疲弱
数据范围: 2016-2025
财务仪表盘
Q4 2025 数据
营业收入
$62.32M+13.69%
近4季度走势
每股收益
$0.56+12.56%
近4季度走势
自由现金流
$0.00+0.00%
近4季度走势
2025 Q3 财报亮点
核心亮点
Q3 Net Income Surges Q3 2025 Net Income reached $27.1M, up significantly from $8.8M in 2024, largely due to a $14.2M gain on asset sale.
Strong Net Interest Margin Net Interest Margin expanded 54 basis points to 4.83% for Q3, driven by favorable earning asset mix favoring higher loan balances and yields.
Deposit Base Expansion Total deposits grew 8% to $2.91B by September 30, 2025; non-interest bearing demand deposits increased 14% year-over-year.
Capital Ratios Remain Strong Company's Total Risk-Based Capital ratio stood at 11.56%, comfortably exceeding the 10.00% regulatory requirement for well-capitalized status.
关注风险
Asset Quality Deterioration Adversely classified loans increased sharply to $38.6M (from $9.6M in 2024); potential problem loans rose to $28.7M.
Rising Nonaccrual Loans Net nonaccrual loans increased to $9.56M as of September 30, 2025, up from $7.53M at year-end 2024, indicating credit stress.
Interest Rate Sensitivity NIM gains are sensitive to the cost of interest-bearing liabilities; unexpected increases in funding costs could compress future margins.
Economic Concentration Risk Significant loan exposure remains in the Alaska economy, particularly the oil and gas sector, subject to commodity price volatility.
前瞻展望
Credit Quality Monitoring Management will closely monitor loan portfolio quality, especially given the significant increase in adversely classified and potential problem loans.
Specialty Finance Contribution The Specialty Finance segment, bolstered by the Sallyport acquisition, is expected to continue driving purchased receivable income growth.
NIM Sustainability Focus Future net interest margin performance hinges on maintaining favorable earning asset mix and managing interest expense on deposits.
New Tax Disclosure Adoption The Company intends to prospectively adopt ASU 2023-09 regarding income tax disclosures for fiscal years beginning after December 15, 2024.
同行对比
营业收入 (TTM)
$551.26M
$455.97M
$366.95M
毛利率 (最新季度)
314.9%
82.9%
77.1%
关键指标
股票代码 | 市值 | 市盈率 (TTM) | 净资产收益率 (TTM) | 负债率 |
|---|---|---|---|---|
| SHBI | $604.02M | 10.2 | 10.4% | 1.8% |
| RRBI | $592.22M | 13.5 | 12.3% | 0.0% |
| NFBK | $558.38M | 667.3 | 0.1% | 17.7% |
长期趋势
近4季度
营业收入
净利润
经营现金流
4季度营收复合增长率
3.8%
温和增长
4季度净利润复合增长率
-2.3%
盈利能力基本稳定
现金流稳定性
50%
现金流需要关注
深度研究
下次财报:2026年4月21日
每股收益:-
|营业收入:-
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