Northrim BanCorp, Inc.
NASDAQ•NRIM
執行長: Mr. Michael G. Huston
板塊: Financial Services
行業: 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.
聯絡資訊
市值
$523.99M
本益比 (TTM)
8.1
13.9
股息率
2.7%
52周最高
$30.82
52周最低
$16.18
52周範圍
排名38Top 36.9%
4.3
F-Score
改良版 Piotroski 分析
基於 10 年期基本面
一般 • 4.3 / 9 分
評分區間 (0-9)
8-9: 價值優異
6-7: 基本面強勁
4-5: 整體穩健
0-3: 表現疲弱
資料區間: 2016-2025
財務儀表板
Q4 2025 數據
營業收入
$62.32M+13.69%
近4季度走勢
每股收益
$0.56+12.56%
近4季度走勢
自由現金流
$0.00+0.00%
近4季度走勢
2025 Q3 財報亮點
核心亮點
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.
關注風險
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.
未來展望
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.
同行對比
營業收入 (TTM)
$551.26M
$455.97M
$366.95M
毛利率 (最新季度)
314.9%
82.9%
77.1%
關鍵指標
股票代碼 | 市值 | 本益比 (TTM) | 股東權益報酬率 (TTM) | 負債率 |
|---|---|---|---|---|
| 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% |
長期趨勢
近4季度
營業收入
淨利
營運現金流
4季度營業收入複合增長率
3.8%
溫和增長
4季度淨利複合增長率
-2.3%
盈利能力基本穩定
現金流穩定性
50%
現金流需要關注
深度研究
下次財報:2026年4月21日
每股收益:-
|營業收入:-
財務數據
電話會議
財務報告
新聞
損益表
資產負債表
現金流量表
財務比率
變化率
損益表 | 過去12個月 |
|---|
無資料