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Northrim (NRIM)
NASDAQ:NRIM
US Market
NRIM
Northrim Bancorp
RESEARCH TOOLSreports

Northrim Bancorp (NRIM) Ratios

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Northrim Bancorp Ratios

NRIM's free cash flow for Q4 2025 was $0.83. For the 2025 fiscal year, NRIM's free cash flow was decreased by $ and operating cash flow was $0.29. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 93.98 93.98 0.24 0.33 0.41
Quick Ratio
 93.98 93.98 0.24 0.33 0.41
Cash Ratio
 6.07 6.07 0.02 0.05 0.11
Solvency Ratio
 0.02 0.02 0.01 0.01 0.01
Operating Cash Flow Ratio
 39.05 23.45 >-0.01 0.02 0.03
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -2.41B$ -2.41B$ -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
 0.29 0.29 0.15 0.14 0.16
Debt-to-Capital Ratio
 0.22 0.22 0.13 0.12 0.14
Long-Term Debt-to-Capital Ratio
 0.21 0.21 0.11 0.09 0.10
Financial Leverage Ratio
 10.08 10.08 11.39 11.96 12.23
Debt Service Coverage Ratio
 1.61 1.61 1.00 1.00 6.50
Interest Coverage Ratio
 2.01 2.01 1.15 1.10 7.38
Debt to Market Cap
 0.17 0.15 0.08 0.07 0.08
Interest Debt Per Share
 6.17 6.17 3.70 2.76 1.71
Net Debt to EBITDA
 0.65 0.65 -0.43 -2.45 -5.40
Profitability Margins
Gross Profit Margin
81.42%81.42%77.53%79.45%94.75%
EBIT Margin
35.52%35.52%23.98%19.96%28.64%
EBITDA Margin
36.62%36.62%25.82%22.06%30.99%
Operating Profit Margin
35.52%35.52%23.98%19.96%28.64%
Pretax Profit Margin
34.85%34.85%23.98%19.96%28.64%
Net Profit Margin
26.64%26.64%18.87%16.04%22.87%
Continuous Operations Profit Margin
26.64%26.64%18.87%16.04%22.87%
Net Income Per EBT
76.44%76.44%78.67%80.34%79.86%
EBT Per EBIT
98.11%98.11%100.00%100.00%100.00%
Return on Assets (ROA)
1.96%1.96%1.22%0.90%1.15%
Return on Equity (ROE)
21.32%19.79%13.84%10.82%14.06%
Return on Capital Employed (ROCE)
2.62%2.62%12.99%9.80%13.41%
Return on Invested Capital (ROIC)
10.15%10.15%10.22%7.88%10.71%
Return on Tangible Assets
1.99%1.99%1.25%0.92%1.17%
Earnings Yield
12.34%10.99%8.61%7.93%9.77%
Efficiency Ratios
Receivables Turnover
 19.34 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
 5.32 5.32 4.33 3.18 2.82
Asset Turnover
 0.07 0.07 0.06 0.06 0.05
Working Capital Turnover Ratio
 -0.30 -0.33 -0.11 -0.10 -0.10
Cash Conversion Cycle
 152.97 18.88 190.29 116.48 86.03
Days of Sales Outstanding
 152.97 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
 152.97 18.88 190.29 116.48 86.03
Cash Flow Ratios
Operating Cash Flow Per Share
 10.50 6.31 -0.40 1.74 3.39
Free Cash Flow Per Share
 10.34 6.71 -0.42 1.46 3.22
CapEx Per Share
 0.16 0.25 0.03 0.28 0.16
Free Cash Flow to Operating Cash Flow
 0.99 1.06 1.07 0.84 0.95
Dividend Paid and CapEx Coverage Ratio
 12.89 6.96 -0.61 1.97 5.44
Capital Expenditure Coverage Ratio
 67.11 25.48 -14.08 6.31 20.58
Operating Cash Flow Coverage Ratio
 2.48 1.49 -0.21 1.18 2.28
Operating Cash Flow to Sales Ratio
 0.96 0.57 -0.04 0.25 0.58
Free Cash Flow Yield
43.60%25.23%-2.18%10.18%23.61%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 8.10 9.10 11.61 12.62 10.23
Price-to-Sales (P/S) Ratio
 2.16 2.42 2.19 2.02 2.34
Price-to-Book (P/B) Ratio
 1.60 1.80 1.61 1.36 1.44
Price-to-Free Cash Flow (P/FCF) Ratio
 2.29 3.96 -45.92 9.82 4.23
Price-to-Operating Cash Flow Ratio
 2.26 4.22 -49.19 8.23 4.03
Price-to-Earnings Growth (PEG) Ratio
 3.86 0.12 0.24 -0.84 -0.84
Price-to-Fair Value
 1.60 1.80 1.61 1.36 1.44
Enterprise Value Multiple
 6.55 7.27 8.05 6.73 2.15
Enterprise Value
 581.78M 645.59M 407.35M 234.92M 89.46M
EV to EBITDA
 6.55 7.27 8.05 6.73 2.15
EV to Sales
 2.40 2.66 2.08 1.48 0.67
EV to Free Cash Flow
 2.55 4.35 -43.58 7.20 1.20
EV to Operating Cash Flow
 2.51 4.63 -46.68 6.04 1.15
Tangible Book Value Per Share
 12.48 12.48 8.48 8.76 7.81
Shareholders’ Equity Per Share
 14.78 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
 10.98 10.98 8.90 7.07 5.83
Net Income Per Share
 2.92 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
 0.35 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
 2.53 2.16 -0.24 1.53 2.54
Currency in USD