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Northrim Bancorp Inc (NRIM)
NASDAQ:NRIM
US Market
NRIM
Northrim Bancorp
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Northrim Bancorp (NRIM) Ratios

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Northrim Bancorp Ratios

NRIM's free cash flow for Q3 2026 was $0.74. For the 2026 fiscal year, NRIM's free cash flow was decreased by $ and operating cash flow was $0.27. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 79.40 0.13 0.24 0.33 0.41
Quick Ratio
 79.40 0.13 0.24 0.33 0.41
Cash Ratio
 19.91 0.05 0.02 0.05 0.11
Solvency Ratio
 0.02 0.02 0.01 0.01 0.01
Operating Cash Flow Ratio
 7.25 0.05 >-0.01 0.02 0.03
Short-Term Operating Cash Flow Coverage
 0.00 307.59 0.00 0.00 0.00
Net Current Asset Value
$ -2.26B$ -2.60B$ -2.13B$ -1.76B$ -1.49B
Leverage Ratios
Debt-to-Assets Ratio
 0.03 0.03 0.01 0.01 0.01
Debt-to-Equity Ratio
 0.26 0.27 0.15 0.14 0.16
Debt-to-Capital Ratio
 0.21 0.21 0.13 0.12 0.14
Long-Term Debt-to-Capital Ratio
 0.19 0.20 0.11 0.09 0.10
Financial Leverage Ratio
 10.05 10.08 11.39 11.96 12.23
Debt Service Coverage Ratio
 1.47 1.61 1.00 1.00 6.50
Interest Coverage Ratio
 1.82 2.01 1.15 1.10 7.38
Debt to Market Cap
 0.15 0.14 0.08 0.07 0.08
Interest Debt Per Share
 6.06 5.90 3.70 2.76 1.71
Net Debt to EBITDA
 -1.89 -0.65 -0.43 -2.45 -5.40
Profitability Margins
Gross Profit Margin
79.87%81.42%77.53%79.45%94.75%
EBIT Margin
29.33%35.52%23.98%19.96%28.64%
EBITDA Margin
30.62%36.98%25.82%22.06%30.99%
Operating Profit Margin
29.33%35.52%23.98%19.96%28.64%
Pretax Profit Margin
28.74%34.85%23.98%19.96%28.64%
Net Profit Margin
21.83%26.64%18.87%16.04%22.87%
Continuous Operations Profit Margin
21.83%26.64%18.87%16.04%22.87%
Net Income Per EBT
75.97%76.44%78.67%80.34%79.86%
EBT Per EBIT
97.97%98.11%100.00%100.00%100.00%
Return on Assets (ROA)
1.56%1.96%1.22%0.90%1.15%
Return on Equity (ROE)
16.36%19.79%13.84%10.82%14.06%
Return on Capital Employed (ROCE)
2.10%18.07%12.99%9.80%13.41%
Return on Invested Capital (ROIC)
1.60%13.80%10.22%7.88%10.71%
Return on Tangible Assets
1.58%2.01%1.25%0.92%1.17%
Earnings Yield
10.53%10.99%8.61%7.93%9.77%
Efficiency Ratios
Receivables Turnover
 2.50 19.34 1.92 3.13 4.24
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 6.22 5.32 4.33 3.18 2.82
Asset Turnover
 0.07 0.07 0.06 0.06 0.05
Working Capital Turnover Ratio
 0.31 -0.11 -0.11 -0.10 -0.10
Cash Conversion Cycle
 145.83 18.88 190.29 116.48 86.03
Days of Sales Outstanding
 145.83 18.88 190.29 116.48 86.03
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 145.83 18.88 190.29 116.48 86.03
Cash Flow Ratios
Operating Cash Flow Per Share
 3.96 6.31 -0.40 1.74 3.39
Free Cash Flow Per Share
 3.86 6.06 -0.42 1.46 3.22
CapEx Per Share
 0.10 0.25 0.03 0.28 0.16
Free Cash Flow to Operating Cash Flow
 0.97 0.96 1.07 0.84 0.95
Dividend Paid and CapEx Coverage Ratio
 6.63 6.96 -0.61 1.97 5.44
Capital Expenditure Coverage Ratio
 39.66 25.48 -14.08 6.31 20.58
Operating Cash Flow Coverage Ratio
 0.94 1.59 -0.21 1.18 2.28
Operating Cash Flow to Sales Ratio
 0.34 0.57 -0.04 0.25 0.58
Free Cash Flow Yield
16.18%22.77%-2.18%10.18%23.61%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.46 9.11 11.60 12.62 10.23
Price-to-Sales (P/S) Ratio
 2.07 2.42 2.19 2.02 2.34
Price-to-Book (P/B) Ratio
 1.49 1.80 1.61 1.36 1.44
Price-to-Free Cash Flow (P/FCF) Ratio
 6.18 4.39 -45.92 9.82 4.23
Price-to-Operating Cash Flow Ratio
 6.03 4.22 -49.19 8.23 4.03
Price-to-Earnings Growth (PEG) Ratio
 -0.80 0.12 0.24 -0.84 -0.84
Enterprise Value Multiple
 4.88 5.91 8.05 6.73 2.15
Enterprise Value
 382.35M 529.78M 407.35M 234.92M 89.46M
EV to EBITDA
 4.88 5.91 8.05 6.73 2.15
EV to Sales
 1.49 2.18 2.08 1.48 0.67
EV to Free Cash Flow
 4.45 3.96 -43.58 7.20 1.20
EV to Operating Cash Flow
 4.34 3.80 -46.68 6.04 1.15
Tangible Book Value Per Share
 13.72 11.10 8.48 8.76 7.81
Shareholders’ Equity Per Share
 16.01 14.78 12.13 10.48 9.48
Tax and Other Ratios
Effective Tax Rate
 0.24 0.24 0.21 0.20 0.20
Revenue Per Share
 11.50 10.98 8.90 7.07 5.83
Net Income Per Share
 2.51 2.92 1.68 1.13 1.33
Tax Burden
 0.76 0.76 0.79 0.80 0.80
Interest Burden
 0.98 0.98 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.40 0.35 0.38 0.41 0.45
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 1.06 2.16 -0.24 1.53 2.54
Currency in USD