ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Northrim BanCorp, Inc. ?
1
High Profitability with a Net Interest Margin of 10.78%
2
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 25
- The company has declared positive results for the last 8 consecutive quarters
- NII(Q) Highest at USD 33.59 MM
- NET PROFIT(HY) At USD 26.01 MM has Grown at 51.03%
- ROCE(HY) Highest at 1.48%
3
With ROA of 0.81%, it has a fair valuation with a 1.75 Price to Book Value
- Over the past year, while the stock has generated a return of 41.87%, its profits have risen by 48% ; the PEG ratio of the company is 0.2
4
Market Beating Performance
- The stock has generated a return of 41.87% in the last 1 year, much higher than market (S&P 500) returns of 15.98%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Northrim BanCorp, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Northrim BanCorp, Inc. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Northrim BanCorp, Inc.
-100.0%
-0.58
82.53%
S&P 500
13.02%
0.81
19.85%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.33%
EBIT Growth (5y)
8.99%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
37.16%
Pledged Shares
0
Institutional Holding
74.21%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.75
EV to EBIT
5.35
EV to EBITDA
4.97
EV to Capital Employed
4.31
EV to Sales
1.70
PEG Ratio
0.24
Dividend Yield
2.16%
ROCE (Latest)
80.55%
ROE (Latest)
15.21%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
NII(Q)
Highest at USD 33.59 MM
NET PROFIT(HY)
At USD 26.01 MM has Grown at 51.03%
ROCE(HY)
Highest at 1.48%
DIVIDEND PER SHARE(HY)
Highest at USD 0
CASH AND EQV(HY)
Highest at USD 73.4 MM
NET SALES(Q)
Highest at USD 44.8 MM
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 7.47 MM
ROCE(HY)
Lowest at 1.48%
Here's what is working for Northrim BanCorp, Inc.
NII
Highest at USD 33.59 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Profit
At USD 26.01 MM has Grown at 51.03%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Sales
Highest at USD 44.8 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Cash and Eqv
Highest at USD 73.4 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Northrim BanCorp, Inc.
Operating Cash Flow
Lowest at USD 7.47 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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