Should I buy, hold, or sell NRIM stock right now?

Northrim BanCorp Inc (NRIM) currently earns a Roarable Rating of C (Hold — HOLD) with 62/100 RQD Confidence. Solid steady margins (20% return on capital), mixed timing at 8x P/E—hold if owned, no rush to chase.

What is NRIM's 12-month price target and RQD AI Jury consensus?

NRIM's 12-month base price target is $24.7 (range $19.27 to $32.36), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Stock Ratings / Financials / NRIM

PDLB (68) FMAO (68) KRNY (54) HTB (60) ⌘ Pro Terminal →

Northrim BanCorp Inc (NRIM) — RQD Stock Rating Cockpit

$24.26 +1.72% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $24.29

Northrim BanCorp Inc (NRIM) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $530.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on NRIM Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is NRIM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Northrim BanCorp Inc (NASDAQ: NRIM) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $24.26 (+1.72% 1D, market cap $530.5M). Pillar breakdown: Fundamental Cash Engine 17/20, Institutional 13F & Options Flow 5/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, NRIM ranks #341 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does NRIM compare to PDLB and FMAO in the Financials sector?

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Within the Financials sector (Savings Institutions), NRIM carries a Roarable C (62/100 RQD), trailing P/E of 8.3x, gross margin of —, and ROIC of 19.8%. By comparison, PDLB (Ponce Financial Group Inc.) holds a C+ grade (68/100 RQD, P/E 19.9x, ROIC 5.1%, cap $544.0M) and FMAO (Farmers & Merchants Bancorp Inc.) posts a C+ grade (68/100 RQD, P/E 15.3x, ROIC 9.0%, cap $501.2M). Among the 5-stock peer group, NRIM leads on earnings multiple (8.3x) while NRIM leads on capital efficiency (19.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for NRIM?

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Per NRIM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001163370), Northrim BanCorp Inc generated $255.6M in revenue (+30.4% YoY), $64.6M in net income, and $133.9M in free cash flow against $3.29B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $24.29 (+0.12%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 17/20 (A-) • 52.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 62/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.7% avg 90D alpha vs SPY • 54.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE+1.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NRIM)Realized 20D OHLCV Swing Band: ±5%

Deterministic 5-Pillar Attribution (62/100 Composite)

🔍 WHY NRIM SCORES 62/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+17/20 pts (27% of score)

SEC XBRL FY 2025 (10-K): 52.4% FCF Margin ($133.9M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (27% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning5/20 pts (-15 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B$24.34-2.5% Next Q

Q2 (-2Q)

Grade B-$23.72+0.1% Next Q

Q3 (-1Q)

Grade C+$23.74+2.2% Next Q

Current

Grade C$24.26+0.7% Hist 90D α

Trajectory: B (70) → C (62)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the NRIM Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 62/100 (C) score, NRIM faces multiple-compression risk if 8.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($24.82) or 200D SMA ($25.07) invalidates the momentum regime and cuts Target Base ($24.70) toward Bear Floor ($19.27).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NRIM• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “NRIM Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 62%NO 38%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

44.330 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

6 / 99-Pt Accounting

52-WEEK LASER RANGE28% OF RANGE

L: $22$24.26H: $31

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: A-RQD 17 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: D+RQD 22 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: D+RQD 23 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on NRIM

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (85)

19.8% ROIC with 42.0% gross margin and 24.89% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (53)

22/40 institutional & smart-money positioning score with 10/20 macro alignment.

Bull Case: Why Buyers Like NRIM

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Sensitive to high interest rates and tighter Federal Reserve market liquidity.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (NRIM Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

NRIM // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +1.21%▼ DESCENDING CHANNEL

2026-11-03O $24.18H $24.26L $23.85C $24.26VOL 95.7K

RES: $24.89SUP: $22.31SMA50: $24.82SMA200: $25.07

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NRIM Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NRIM Butterfly Map → + Track NRIM →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

-4.8%/yr Implied 5Y Growth

vs. +30.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on NRIM today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NRIM. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for NRIM today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NRIM)

Financials Rank #341 of 1096 ⚔️ PDLB vs NRIM Full Matrix →

1. Head-to-Head Financials Peer Comparison (NRIM vs. PDLB, FMAO, KRNY, HTB)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Northrim BanCorp Inc (NRIM) ranks #341 by composite RQD confidence (62/100, grade C) and #685 by equity capitalization ($530.5M). Within this direct 5-issuer industry benchmark cohort, NRIM leads on earnings valuation at 8.3x trailing P/E, while NRIM leads on capital efficiency and profitability with 19.8% ROIC and — gross margin. PDLB currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with NRIM at 62/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
NRIM ACTIVE Northrim BanCorp Inc	C	62/100	8.3x	—	19.8%	+1.72%	$530.5M	Benchmark Subject
PDLB Ponce Financial Group Inc.	C+	68/100	19.9x	—	5.1%	-0.22%	$544.0M	/pdlb-vs-nrim →
FMAO Farmers & Merchants Bancorp Inc.	C+	68/100	15.3x	—	9.0%	+1.26%	$501.2M	/fmao-vs-nrim →
KRNY Kearny Financial Corp	D+	54/100	23.0x	—	3.4%	+2.63%	$592.2M	/krny-vs-nrim →
HTB HomeTrust Bancshares Inc.	C-	60/100	11.6x	—	10.7%	+2.46%	$732.8M	/htb-vs-nrim →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001163370

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Northrim BanCorp Inc (NRIM) reported GAAP revenue of $255.6M (+30.4% vs. FY2024 revenue of $196.0M , and +61.4% cumulative change since FY2023) , GAAP net income of $64.6M, operating cash flow of $139.3M, and free cash flow of $133.9M (+1532.2% YoY). On the balance sheet, NRIM closed FY2025 with $3.29B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$255.6M	$64.6M	$139.3M	$133.9M	$3.29B	—
FY2024 (FY)	2024-12-31	$196.0M	$37.0M	-$8.7M	-$9.3M	$3.04B	—
FY2023 (FY)	2023-12-31	$158.3M	$25.4M	$38.8M	$38.8M	—	—

3. NRIM Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NRIM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does NRIM compare to PDLB and FMAO in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for NRIM?

Where is NRIM trading relative to its 50-day, 200-day, and 52-week technical levels?

NRIM last traded at $24.26 (+1.72% on volume of 122,548 shares), positioning the stock -2.26% below its 50-day simple moving average ($24.82) and -3.23% below its 200-day simple moving average ($25.07). Across its 52-week range of $21.77 to $30.82, NRIM sits at the 27.5% percentile with a 14-day RSI of 44.3 (NEUTRAL RANGE) and an implied next-earnings move of ±5.0% ($23.05 to $25.47).

Direct Sub-Reports: NRIM RQD Cockpit NRIM 12M Forecast NRIM Earnings & Move NRIM Dividends & DRIP NRIM Insiders & 13F NRIM Whale Options NRIM Profit Sankey NRIM News & Why

ROARABLE RATING BRIEF • RQD 62/100 (C) ✓ SEC XBRL & RQD VERIFIED

NRIM — Northrim BanCorp Inc: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Northrim BanCorp Inc (NRIM) earns a live Roarable RQD composite score of 62/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $24.26 (+1.72% 1D, market capitalization $530.5M).

Fundamental Cash Engine (17/20): Anchored by return on invested capital (ROIC) of 19.8%, gross margin of —, operating margin of —, and free cash flow yield of 24.89%.
Whale 13F & Options Flow (5/20) + Insider Conviction (13/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (10/20) + Forensic Balance Sheet (17/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Northrim BanCorp Inc (NRIM) is a NASDAQ-listed issuer in the Financials sector, Savings Institutions industry,..5B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Northrim BanCorp Inc (NRIM) reported $255.6M in annual revenue (up from $196.0M in FY2024, +30.4% YoY) and $64.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($158.3M revenue, $25.4M net income) through FY2025, NRIM scaled operating cash flow to $139.3M and free cash flow to $133.9M, backed by $3.29B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (C • RQD 62/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 17/20 and Institutional Whale Flow at 5/20, sustained execution supports upside toward the upper end of the $21.77 – $30.82 52-week range.
🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 8.3x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Savings Institutions (Financials), NRIM carries a macro regime beta of 1.00 and gross margin of —.

Key Question #1: Can NRIM sustain or expand its — operating margin and 19.8% ROIC against Savings Institutions peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $255.6M and free cash flow of $133.9M, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is NRIM's 7.0x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

NRIM Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Northrim BanCorp Inc (NRIM) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to NRIM Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 20h ago

Are Investors Undervaluing Northrim BanCorp (NRIM) Right Now?

Yahoo Finance report covering Northrim BanCorp Inc (NRIM) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH Yahoo Finance • 23h ago

Northrim BanCorp (NRIM) Stock Sinks As Q3 Results Expose Credit Strain

Yahoo Finance report covering Northrim BanCorp Inc (NRIM) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE The Globe and Mail • 1d ago

Northrim Shareholders Approve Acquisition of PBCO Financial

The Globe and Mail report covering Northrim BanCorp Inc (NRIM) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Northrim BanCorp (NRIM) Stock Slides After Q3 Earnings Margin Pressure

Simply Wall St report covering Northrim BanCorp Inc (NRIM) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Northrim BanCorp, PBCO Financial shareholders approve acquisition of PBCO

TradingView report covering Northrim BanCorp Inc (NRIM) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH Stock Titan • 1d ago

A $7.7 million set-aside for credit losses reduced Northrim's quarterly profit.

Stock Titan report covering Northrim BanCorp Inc (NRIM) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Keefe, Bruyette & Woods Issues Pessimistic Forecast for Northrim BanCorp (NASDAQ:NRIM) Stock Price

MarketBeat report covering Northrim BanCorp Inc (NRIM) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Northrim BanCorp (NRIM) Q3 Earnings Lag Estimates

Yahoo Finance report covering Northrim BanCorp Inc (NRIM) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

NRIM Bull vs. Bear Conversation Board — What's Your Call at $24.26?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON NRIM 🐻 33% BEARISH CONVICTION

MI MidwestValue RQD DEBATE OPENER • Fundamental Long-Only 🐂 BULLISH 🎯 Target: $29.81 (+25.0%)

📌 Pinned Debate

Net income grew from $25.4M in FY 2023 to $64.6M in FY 2025 while the FCF yield stands at 24.89% and ROIC at 19.8%.

Don't sleep on NRIM's setup in Financials. Net income grew from $25.4M in FY 2023 to $64.6M in FY 2025 while the FCF yield stands at 24.89% and ROIC at 19.8%.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (62/100) backs up the fundamental quality.

VolSurface_Trader 🐂 BULL

@MultipleCompression Shorting a 5/20 institutional whale-flow stock at $23.85 is dangerous when funds are rotating into Financials.

MU MultipleCompression RQD DEBATE OPENER • Valuation Discipline 🐻 BEARISH 🎯 Target: $18.84 (-21.0%)

Spot @ $23.85

Multiple news items flag credit strain and a $7.7M credit-loss set-aside that reduced quarterly profit, while the Whale 13F Flow pillar

Sitting on the sidelines or leaning short NRIM above $23.85. Multiple news items flag credit strain and a $7.7M credit-loss set-aside that reduced quarterly profit, while the Whale 13F Flow pillar scores only 7 of 20.. Until Fundamental Cash Engine (17/20) and FCF yield (24.89%) inflect higher, upside is capped near $30.82.