Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Northrim BanCorp, Inc.'s quarterly P/E stands at 12.1x, up 21.0% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 19.0% YoY to 9.0x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 8.78 | 12.10 | 4.51 | 11.21 | 7.69 | 9.99 | 11.34 | 8.90 | 8.53 | 12.02 | 6.69 | 10.03 | 14.05 |
| — | +21.0% | -60.2% | +26.0% | -9.8% | -16.8% | +69.6% | -11.3% | -39.3% | +31.3% | +13.3% | -17.3% | +54.8% | |
| P/S Ratio | 2.30 | 2.41 | 1.93 | 2.13 | 1.84 | 1.99 | 1.95 | 1.72 | 1.61 | 1.88 | 1.31 | 1.44 | 1.96 |
| — | +20.8% | -1.0% | +23.6% | +14.6% | +5.8% | +48.5% | +19.8% | -17.9% | -12.8% | -20.2% | -24.2% | -7.4% | |
| P/B Ratio | 1.74 | 1.84 | 1.54 | 1.80 | 1.47 | 1.63 | 1.53 | 1.30 | 1.17 | 1.36 | 0.99 | 1.01 | 1.21 |
| — | +12.4% | +0.8% | +39.1% | +25.2% | +20.2% | +54.7% | +28.5% | -3.2% | -5.6% | -12.7% | -7.2% | +4.7% | |
| P/FCF | 4.17 | 4.64 | 1.35 | — | 6.29 | 2.99 | — | — | — | 1.62 | 6.06 | — | 21.72 |
| — | +55.3% | — | — | — | +84.7% | — | — | — | -26.9% | +153.2% | — | +525.0% | |
| EV / EBITDA | 6.93 | 9.01 | 2.14 | 6.94 | 5.09 | 7.57 | 6.25 | 6.58 | 5.11 | 6.15 | 4.28 | 8.48 | 5.81 |
| — | +19.0% | -65.7% | +5.5% | -0.3% | +23.2% | +46.1% | -22.3% | -12.1% | +202.2% | +281.2% | +466.1% | +201.0% | |
| EV / EBIT | 7.14 | 9.01 | 2.20 | 7.33 | 5.35 | 7.79 | 7.01 | 7.11 | 5.55 | 7.00 | 4.76 | 9.80 | 6.85 |
| — | +15.6% | -68.6% | +3.2% | -3.5% | +11.3% | +47.3% | -27.5% | -19.0% | +210.8% | +286.1% | +461.0% | +206.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Northrim BanCorp, Inc.'s operating margin was 29.3% in Q4 2025, down 25.6 pp QoQ and up 5.0 pp YoY. The trailing four-quarter average of 35.3% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 6.5% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 81.4% | 82.9% | 80.4% | 78.5% | 84.1% | 77.8% | 75.2% | 79.1% | 78.2% | 76.2% | 78.2% | 79.2% | 85.2% |
| — | +6.5% | +6.9% | -0.6% | +7.6% | +2.1% | -3.8% | -0.1% | -8.2% | -13.5% | -19.8% | -17.5% | -13.1% | |
| Operating Margin | 35.5% | 29.3% | 54.9% | 25.7% | 31.5% | 24.3% | 22.8% | 24.9% | 24.1% | 19.7% | 24.2% | 17.9% | 17.5% |
| — | +20.6% | +140.4% | +3.2% | +31.0% | +23.4% | -5.7% | +39.1% | +37.5% | -27.9% | -32.8% | -12.9% | -41.1% | |
| Net Margin | 26.6% | 20.0% | 43.0% | 19.2% | 23.9% | 19.9% | 17.3% | 19.4% | 18.8% | 15.6% | 19.7% | 14.4% | 13.9% |
| — | +0.1% | +148.3% | -1.2% | +27.2% | +27.8% | -12.4% | +35.0% | +35.0% | -33.8% | -29.3% | -7.7% | -40.5% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 21.8% | 3.9% | 8.9% | 4.1% | 4.9% | 4.1% | 3.5% | 3.7% | 3.5% | 2.9% | 3.8% | 2.5% | 2.2% |
| — | -6.5% | +156.8% | +11.5% | +40.9% | +44.2% | -7.2% | +48.2% | +58.7% | -28.2% | -21.1% | +15.1% | -30.1% | |
| ROA | 2.0% | 0.4% | 0.8% | 0.4% | 0.4% | 0.4% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.2% | 0.2% |
| — | +3.6% | +170.6% | +14.1% | +46.3% | +54.0% | -1.1% | +51.2% | +60.2% | -25.9% | -18.8% | +16.8% | -31.9% | |
| ROIC | 17.7% | 3.6% | 7.2% | 3.5% | 4.3% | 3.3% | 2.9% | 3.0% | 2.9% | 2.2% | 2.5% | 1.8% | 1.8% |
| — | +7.4% | +149.3% | +16.5% | +46.0% | +53.5% | +16.1% | +61.8% | +63.8% | -27.6% | -36.7% | -0.8% | -30.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Northrim BanCorp, Inc.'s Debt/EBITDA ratio is 5.1x, up from 0.8x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 38882.3% YoY to 93.98x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.29 | 0.29 | 0.09 | 0.28 | 0.11 | 0.15 | 0.12 | 0.25 | 0.14 | 0.14 | 0.37 | 0.39 | 0.15 |
| — | +87.5% | -21.6% | +9.5% | -18.7% | +8.5% | -67.6% | -34.3% | -9.0% | -10.1% | +124.2% | +140.7% | -3.2% | |
| Debt / EBITDA | 1.05 | 5.13 | 0.84 | 4.83 | 1.69 | 2.98 | 2.40 | 5.01 | 2.87 | 3.48 | 7.34 | 10.64 | 4.72 |
| — | +72.0% | -65.0% | -3.7% | -41.4% | -14.3% | -67.3% | -52.9% | -39.1% | +12.0% | +196.8% | +128.8% | +38.1% | |
| Current Ratio | 93.98 | 93.98 | 0.25 | 0.24 | 0.22 | 0.24 | 0.26 | 0.27 | 0.29 | 0.33 | 0.33 | 0.32 | 0.36 |
| — | +38882.3% | -0.5% | -10.4% | -23.0% | -26.0% | -22.2% | -14.6% | -20.0% | -19.7% | -24.6% | -23.4% | -16.9% | |
| Quick Ratio | 93.98 | 93.98 | 0.25 | 0.24 | 0.22 | 0.24 | 0.26 | 0.27 | 0.29 | 0.33 | 0.33 | 0.32 | 0.36 |
| — | +38882.3% | -0.5% | -10.4% | -23.0% | -26.0% | -22.2% | -14.6% | -20.0% | -19.7% | -24.6% | -23.4% | -16.9% | |
| Interest Coverage | 2.01 | 1.71 | 3.25 | 1.41 | 1.71 | 1.21 | 1.10 | 1.17 | 1.12 | 0.91 | 1.27 | 1.04 | 1.27 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying NRIM stock.
Northrim BanCorp, Inc.'s current P/E is 8.8x. The average P/E over the last 4 quarters is 8.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Northrim BanCorp, Inc.'s current operating margin is 35.5%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Northrim BanCorp, Inc.'s business trajectory between earnings reports.