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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
3111 C Street, Anchorage, AK, 99503, United States
907-562-0062
www.northrim.com
市值
$543.91M
本益比 (TTM)
8.4
15.5
股息率
2.6%
52周最高
$30.82
52周最低
$17.75
52周範圍
52%
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

$127.01M+0.00%
近4季度走勢

2025 Annual 財報亮點

核心亮點

Net Income Surges 75% Net income reached $64.6M in 2025, driven by Community Banking growth and SCF acquisition benefits; ROAA improved to 2.02%.
NIM Expansion and Efficiency Net Interest Margin increased to 4.69% due to higher rates and favorable asset mix; efficiency ratio improved significantly to 58.45%.
Strong Capital Ratios Maintained Company CET1 ratio was 10.38% and Bank CET1 ratio was 11.84%, comfortably exceeding regulatory well-capitalized minimums.

關注風險

Asset Quality Deterioration Noted Nonperforming loans rose to $11.3M (0.49% ratio); adversely classified loans increased sharply to $33.5M from $9.6M.
Alaska Economic Concentration Operations concentrated in Alaska make results highly sensitive to regional economic downturns, especially in natural resource sectors.
Commercial Real Estate Exposure Commercial Real Estate loans comprise 52% of the portfolio, facing increased risk due to sustained higher interest rates since 2022.

未來展望

Credit Quality Management Focus Management committed to maintaining asset quality, keeping ACL coverage consistent at 1.03% despite rising nonaccruals.
Value-Added Growth Strategy Strategy emphasizes calculated, sustainable organic and inorganic market share growth coupled with operational efficiency for shareholder value.
NIM Sensitivity to Rates NIM expansion expected from higher yields, but sensitive to potential faster increases in interest expense on liabilities.

同行對比

營業收入 (TTM)

FFWM stock ticker logoFFWM
$551.26M
+14.5%
MSBI stock ticker logoMSBI
$455.97M
-23.1%
TCBX stock ticker logoTCBX
$366.95M
+8.5%

毛利率 (最新季度)

NFBK stock ticker logoNFBK
314.9%
+0.0pp
NRIM stock ticker logoNRIM
82.9%
+5.0pp
ACNB stock ticker logoACNB
77.1%
-3.2pp

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$649.94M10.910.4%1.8%
RRBI$626.41M14.612.3%0.0%
AROW$596.89M13.510.6%0.7%

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
75%
現金流波動較大

深度研究

下次財報:2026年4月21日
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