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NORTHRIM BANCORP INC

NRIM Clue Score78
United States Fiscal year ends December CIK 0001163370
$24.24 -1.66% Close, 9 Oct 2026
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Price $24.24 −45.02% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue6.3Net income14.4EPS, diluted2.06Fiscal year 2017Revenue5.8 −7.2%Net income13.2 −8.7%EPS, diluted1.88Fiscal year 2018Revenue5.9 +1.5%Net income20.0 +52.1%EPS, diluted2.86Fiscal year 2019Net income20.7 +3.4%EPS, diluted3.04Fiscal year 2020Net income32.9 +58.9%EPS, diluted5.11Fiscal year 2021Net income37.5 +14.1%EPS, diluted6.00Fiscal year 2022Revenue134.4Net income30.7 −18.1%EPS, diluted5.27Fiscal year 2023Revenue158.3 +17.8%Net income25.4 −17.4%EPS, diluted1.12Fiscal year 2024Revenue196.0 +23.8%Net income37.0 +45.6%EPS, diluted1.66Fiscal year 2025Revenue255.6 +30.4%Net income64.6 +74.8%EPS, diluted2.87
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 6.3 5.8 5.9 n/a n/a n/a 134.4 158.3 196.0 255.6
Growth −7.2% +1.5% +17.8% +23.8% +30.4%
Net income 14.4 13.2 20.0 20.7 32.9 37.5 30.7 25.4 37.0 64.6
Growth −8.7% +52.1% +3.4% +58.9% +14.1% −18.1% −17.4% +45.6% +74.8%
EPS, diluted 2.06 1.88 2.86 3.04 5.11 6.00 5.27 1.12 1.66 2.87

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Gross marginNet margin
Fiscal year 2016Net margin229.5%Free cash flow margin268.0%Fiscal year 2017Net margin225.7%Free cash flow margin304.3%Fiscal year 2018Net margin338.4%Free cash flow margin366.1%Fiscal year 2019Fiscal year 2020Fiscal year 2021Fiscal year 2022Gross margin94.7%Net margin22.9%Free cash flow margin55.3%Fiscal year 2023Gross margin79.4%Net margin16.0%Free cash flow margin20.6%Fiscal year 2024Gross margin77.5%Net margin18.9%Free cash flow margin−4.8%Fiscal year 2025Gross margin81.7%Net margin25.3%Free cash flow margin52.4%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Gross margin n/a n/a n/a n/a n/a n/a 94.7% 79.4% 77.5% 81.7%
Net margin 229.5% 225.7% 338.4% n/a n/a n/a 22.9% 16.0% 18.9% 25.3%
Free cash flow margin 268.0% 304.3% 366.1% n/a n/a n/a 55.3% 20.6% −4.8% 52.4%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow20.1Capital expenditure−3.3Free cash flow16.8Buybacks0.0Dividends paid−5.4Fiscal year 2017Operating cash flow19.3Capital expenditure−1.6Free cash flow17.7 +5.3%Buybacks−1.6Dividends paid−6.0Fiscal year 2018Operating cash flow25.2Capital expenditure−3.5Free cash flow21.6 +22.1%Buybacks−0.5Dividends paid−7.1Fiscal year 2019Operating cash flow−0.8Capital expenditure−2.3Free cash flow−3.1 −114.5%Buybacks−12.6Dividends paid−8.5Fiscal year 2020Operating cash flow−36.5Capital expenditure−2.8Free cash flow−39.3Buybacks−10.0Dividends paid−8.8Fiscal year 2021Operating cash flow112.0Capital expenditure−2.3Free cash flow109.7Buybacks−11.5Dividends paid−9.4Fiscal year 2022Operating cash flow78.1Capital expenditure−3.8Free cash flow74.3 −32.3%Buybacks−14.2Dividends paid−10.6Fiscal year 2023Operating cash flow38.8Capital expenditure−6.2Free cash flow32.6 −56.1%Buybacks−9.0Dividends paid−13.6Fiscal year 2024Operating cash flow−8.7Capital expenditure−0.6Free cash flow−9.3 −128.7%Buybacks−0.8Dividends paid−13.8Fiscal year 2025Operating cash flow139.3Capital expenditure−5.5Free cash flow133.9Buybacks0.0Dividends paid−14.5
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 20.1 19.3 25.2 −0.8 −36.5 112.0 78.1 38.8 −8.7 139.3
Capital expenditure −3.3 −1.6 −3.5 −2.3 −2.8 −2.3 −3.8 −6.2 −0.6 −5.5
Free cash flow 16.8 17.7 21.6 −3.1 −39.3 109.7 74.3 32.6 −9.3 133.9
Growth +5.3% +22.1% −114.5% −32.3% −56.1% −128.7%
Buybacks 0.0 −1.6 −0.5 −12.6 −10.0 −11.5 −14.2 −9.0 −0.8 0.0
Dividends paid −5.4 −6.0 −7.1 −8.5 −8.8 −9.4 −10.6 −13.6 −13.8 −14.5

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash50.6Total debt31.9Net cash (debt)18.6Shareholders’ equity186.6Debt to equity0.17Fiscal year 2017Cash77.8Total debt35.1Net cash (debt)42.7Shareholders’ equity192.8Debt to equity0.18Fiscal year 2018Cash77.5Total debt41.5Net cash (debt)36.0Shareholders’ equity205.9Debt to equity0.20Fiscal year 2019Cash95.4Total debt8.9Net cash (debt)86.5Shareholders’ equity207.1Debt to equity0.04Fiscal year 2020Cash116.0Total debt14.8Net cash (debt)101.1Shareholders’ equity221.6Debt to equity0.07Fiscal year 2021Cash645.8Total debt14.5Net cash (debt)631.3Shareholders’ equity237.8Debt to equity0.06Fiscal year 2022Cash259.4Total debt14.1Net cash (debt)245.3Shareholders’ equity218.6Debt to equity0.06Fiscal year 2023Cash118.5Total debt13.7Net cash (debt)104.9Shareholders’ equity234.7Debt to equity0.06Fiscal year 2024Cash62.7Total debt23.0Net cash (debt)39.7Shareholders’ equity267.1Debt to equity0.09Fiscal year 2025Cash145.9Total debt12.8Net cash (debt)133.1Shareholders’ equity326.5Debt to equity0.04
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 50.6 77.8 77.5 95.4 116.0 645.8 259.4 118.5 62.7 145.9
Total debt 31.9 35.1 41.5 8.9 14.8 14.5 14.1 13.7 23.0 12.8
Net cash (debt) 18.6 42.7 36.0 86.5 101.1 631.3 245.3 104.9 39.7 133.1
Shareholders’ equity 186.6 192.8 205.9 207.1 221.6 237.8 218.6 234.7 267.1 326.5
Debt to equity 0.17 0.18 0.20 0.04 0.07 0.06 0.06 0.06 0.09 0.04

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
n/a n/a n/a n/a n/a n/a 94.7% 79.4% 77.5% 81.7%
335.1% 408.5% 407.3% n/a n/a n/a 28.6% 20.0% 24.0% 33.1%
229.5% 225.7% 338.4% n/a n/a n/a 22.9% 16.0% 18.9% 25.3%
268.0% 304.3% 366.1% n/a n/a n/a 55.3% 20.6% −4.8% 52.4%
Spending
52.4% 26.7% 59.4% n/a n/a n/a 2.8% 3.9% 0.3% 2.1%
28.8% 43.4% 16.9% 20.8% 22.5% 21.8% 20.1% 19.7% 21.3% 23.6%
Returns
7.7% 6.8% 9.7% 10.0% 14.8% 15.8% 14.1% 10.8% 13.8% 19.8%
0.9% 0.9% 1.3% 1.3% 1.6% 1.4% 1.1% 0.9% 1.2% 2.0%
Balance and payout
0.17 0.18 0.20 0.04 0.07 0.06 0.06 0.06 0.09 0.04
87.8% 87.3% 86.3% 87.4% 89.6% 91.3% 91.8% 91.6% 91.2% 90.1%
37.3% 45.4% 35.3% 41.1% 26.9% 25.0% 34.4% 53.6% 37.2% 22.5%
31.9% 42.7% 34.9% n/a n/a 19.1% 33.3% 69.5% n/a 10.9%