What is the 13F Pro Quality Score for NRIM?

13F Pro ranks NORTHRIM BANCORP INC (NRIM) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View NRIM's current score at https://13fpro.ai/research/NRIM (free sign-up required for the full ranking).

Where does 13F Pro source NRIM data?

All NORTHRIM BANCORP INC fundamentals and ownership data come directly from SEC EDGAR. NORTHRIM BANCORP INC files with the SEC under CIK 1163370. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is NRIM in?

NORTHRIM BANCORP INC (NRIM) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is NRIM research updated on 13F Pro?

NRIM's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

NORTHRIM BANCORP INC(NRIM)Stock Analysis

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13F Pro Quality Score

54.6/100

Rank #1,202 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

3.1/100

Profitability

87.8/100

Balance Sheet

51.4/100

Earnings Quality

86.4/100

Free Cash Flow

92.7/100

Institutional Flow

60.8/100

Revenue Scale

27.3/100

Dilution Risk

67.8/100

NRIM Stock Analysis & AI Quality Score

AI stock analysis and institutional research for NORTHRIM BANCORP INC (NRIM), a Financials sector company. 13F Pro's AI-powered ranking engine scores NRIM at 54.6/100 on a 32-signal composite quality model, placing it at rank #1,202 of 2,879 stocks — the top half of the AI-ranked universe. NRIM scores in the top quartile across free cash flow (92.7), profitability (87.8), earnings quality (86.4). Areas of concern include revenue growth (3.1) and revenue scale (27.3), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), NORTHRIM BANCORP INC reports quarterly revenue of $59.8M, net income of $13.7M, an operating margin of 30.0%. Top institutional holders of NRIM by reported 13-F value include BlackRock,, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. NRIM trades on the Nasdaq exchange and files with the SEC under CIK 1163370. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate NRIM daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for NORTHRIM BANCORP INC directly from SEC EDGAR. NORTHRIM BANCORP INC's 13F Pro composite quality score has ranged between 8 and 71 since 2025, currently 54.6 — an improving long-term trajectory across 40 quarterly and live scoring snapshots.

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Fun facts about NORTHRIM BANCORP INC

Quirks, history, and lore behind NRIM — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. community bank holding company · small-cap · listed on Nasdaq · headquartered in one of the most remote states in the union.
2
The Numbers
Total assets in the range of $2 billion — not a giant by any measure, but a meaningful player in a market with very few competitors for its geography.
3
The History
Founded in the 1990s, it was built to serve individuals and businesses in a state where the nearest big-bank branch might be a very long flight away.
4
The Secret
Its core customers include industries that thrive in extreme cold — think oil, fishing, and government contractors — making its loan book unlike any Lower 48 bank.
5
The Lore
Operating in a state with no state income tax and an economy tied to natural resources, this bank basically has a captive market bounded by the Pacific, the Arctic, and Canada.
6
The Giveaway
Its name literally means "northern rim" — because when you're banking in Anchorage, Alaska, you really are at the top of the map.

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Revenue

Q1 2026

$59.8M

Net Income

Q1 2026

$13.7M

Free Cash Flow

Q1 2026

$24.3M

Operating Margin

Q1 2026

30.0%

D/E Ratio

Q1 2026

0.24

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+19.7% YoY

$155.2MFY 2024

FY21 —FY22 $134.4MFY23 $129.6MFY24 $155.2M

Net Income

+45.6% YoY

$37.0MFY 2024

FY21 $37.5MFY22 $30.7MFY23 $25.4MFY24 $37.0M

EPS (Diluted)

+48.2% YoY

$0.41FY 2024

FY21 $1.50FY22 $1.32FY23 $0.28FY24 $0.41

Total Assets

+8.3% YoY

$3.04BFY 2024

FY21 $2.72BFY22 $2.67BFY23 $2.81BFY24 $3.04B

Total Debt

+68.5% YoY

$23.0MFY 2024

FY21 $14.5MFY22 $14.1MFY23 $13.7MFY24 $23.0M

Op. Cash Flow

-122.5% YoY

$-8.7MFY 2024

FY21 $112.0MFY22 $78.1MFY23 $38.8MFY24 $-8.7M

Metric	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2018
Revenue	$155.2M +19.7%	$129.6M -3.6%	$134.4M	—	—	$5.9M
Net Income	$37.0M +45.6%	$25.4M -17.4%	$30.7M -18.1%	$37.5M +14.1%	$32.9M +64.4%	$20.0M
EPS (Diluted)	$0.41 +48.2%	$0.28 -78.7%	$1.32 -12.2%	$1.50 +17.4%	$1.28 +78.7%	$0.71
Total Assets	$3.04B +8.3%	$2.81B +5.0%	$2.67B -1.8%	$2.72B +28.4%	$2.12B +41.2%	$1.50B
Total Debt	$23.0M +68.5%	$13.7M -3.0%	$14.1M -2.8%	$14.5M -2.1%	$14.8M -64.3%	$41.5M
Operating Cash Flow	$-8.7M -122.5%	$38.8M -50.3%	$78.1M -30.3%	$112.0M +407.2%	$-36.5M -244.9%	$25.1M

AI Insight: NRIM Financial Trends

Net income showed volatility with Q3 2025 spike to $27M before normalizing, while equity grew steadily from $247M to $336M over eight quarters.

• Equity increased consistently from $247M in Q2 2024 to $336M in Q1 2026, growing $89M over eight quarters.

• Revenue ranged between $56M-$77M across available quarters, with Q3 2025 showing peak at $77M.

• Net income spiked to $27M in Q3 2025 before returning to $12M-$14M range in subsequent quarters.

⚠ Total debt jumped from $13M in Q4 2025 to $82M in Q1 2026, a significant increase.

⚠ Operating cash flow remains volatile, swinging from $93M positive in Q3 2025 to negative $4M in Q2 2025.

AI Insight: NRIM Ratio Trends

NRIM shows volatile profitability with Q3 2025 surge to 44.8% operating margin followed by normalization, while ROIC declined from 43.8% to 17.2%.

• Operating margin spiked to 44.8% in Q3 2025 before moderating to 30.0% in Q1 2026.

• ROE improved from 14.6% in Q2 2024 to 16.3% in Q1 2026 despite quarterly volatility.

• Debt-to-equity ratio increased from 0.04 in Q4 2025 to 0.24 in Q1 2026.

⚠ ROIC collapsed from 43.8% in Q3 2025 to 17.2% in Q1 2026, suggesting unsustainable Q3 performance.

⚠ Extreme profitability swings indicate potential earnings quality issues or one-time items affecting quarterly results.

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Available Research

13F Pro tracks comprehensive data for NORTHRIM BANCORP INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of NRIM

BlackRock, Inc.
$63.3M2,765,720 sh
DIMENSIONAL FUND ADVISORS LP
$27.6M1,206,608 sh
VANGUARD CAPITAL MANAGEMENT LLC
$22.1M963,954 sh
MANUFACTURERS LIFE INSURANCE COMPANY, THE
$18.2M794,022 sh
AMERICAN CENTURY COMPANIES INC
$17.7M773,066 sh
GEODE CAPITAL MANAGEMENT, LLC
$17.1M748,716 sh
STATE STREET CORP
$16.9M739,818 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$11.6M507,032 sh
De Lisle Partners LLP
$10.9M474,380 sh
PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.
$7.5M326,410 sh

Fund	Value	Shares
BlackRock, Inc.	$63.3M	2,765,720
DIMENSIONAL FUND ADVISORS LP	$27.6M	1,206,608
VANGUARD CAPITAL MANAGEMENT LLC	$22.1M	963,954
MANUFACTURERS LIFE INSURANCE COMPANY, THE	$18.2M	794,022
AMERICAN CENTURY COMPANIES INC	$17.7M	773,066
GEODE CAPITAL MANAGEMENT, LLC	$17.1M	748,716
STATE STREET CORP	$16.9M	739,818
VANGUARD PORTFOLIO MANAGEMENT LLC	$11.6M	507,032
De Lisle Partners LLP	$10.9M	474,380
PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.	$7.5M	326,410

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Is NRIM a good stock to buy?

13F Pro's AI-powered analysis of NORTHRIM BANCORP INC (NRIM) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for NRIM are available on the NRIM stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own NRIM?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling NRIM. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of NORTHRIM BANCORP INC's investment landscape.