ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Northrim BanCorp, Inc. ?
1
High Profitability with a Net Interest Margin of 12.04%
2
Positive results in Jun 26
- OPERATING CASH FLOW(Y) Highest at USD 209 MM
- ROCE(HY) Highest at 2.06%
- NII(Q) Highest at USD 37.14 MM
3
With ROA of 1.22%, it has a fair valuation with a 1.53 Price to Book Value
- Over the past year, while the stock has generated a return of 31.00%, its profits have risen by 79.6%
4
High Institutional Holdings at 86.92%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 8.96% over the previous quarter.
Real-Time Research ReportHow much should you hold?
- 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.
31.0%
-0.59
84.15%
S&P 500
21.51%
1.63
13.19%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.38%
EBIT Growth (5y)
8.67%
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
22.27%
Pledged Shares
0
Institutional Holding
77.96%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
1.53
EV to EBIT
3.41
EV to EBITDA
3.27
EV to Capital Employed
2.53
EV to Sales
1.59
PEG Ratio
NA
Dividend Yield
1.79%
ROCE (Latest)
74.00%
ROE (Latest)
20.33%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 209 MM
ROCE(HY)
Highest at 2.06%
NII(Q)
Highest at USD 37.14 MM
CASH AND EQV(HY)
Highest at USD 74.98 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 81.76%
NET SALES(Q)
Highest at USD 47.15 MM
-6What is not working for the Company
GROSS NPA (%)
(Q
ROCE(HY)
Lowest at 2.06%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 23.51%
Here's what is working for Northrim BanCorp, Inc.
NII
Highest at USD 37.14 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Operating Cash Flow
Highest at USD 209 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 47.15 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Cash and Eqv
Highest at USD 74.98 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 81.76%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Northrim BanCorp, Inc.
Non Performing Loans (%)
Highest at 0.96% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Dividend Payout Ratio
Lowest at 23.51%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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