Northrim BanCorp (NRIM) Stock: Buy, Sell, or Hold?
NRIM - Northrim BanCorp Inc
$24.54
0.31 (1.28%)
▲
5d:
-0.32%
30d:
-3.31%
90d:
-9.51%
WAIT
LOW Confidence
Analysis Updated: Oct 1, 2026 12:00 AM ET
Earnings: Oct 28, 2026
25d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: NRIM shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: NRIM shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$31.19
Based on 4.4% avg growth
INTRINSIC VALUE TODAY
$19.36
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NRIM is currently trading at $24.54, which is considered oversold relative to its 30-day fair value range of $24.83 to $26.06. The stock's valuation (Forward PE: 8.9) is in line with its historical norms (9.1). Remarkably, the market is currently pricing in an annual earnings decline of 1.0% over the next few years. This pessimistic expectation contrasts with the company's recent 30.8% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, NRIM is in a uptrend. Immediate support is located at $23.76, while resistance sits at $25.66.
Market Sentiment: NRIM scores 10/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $30.33 (+23.6%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, NRIM is in a uptrend. Immediate support is located at $23.76, while resistance sits at $25.66.
Market Sentiment: NRIM scores 10/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $30.33 (+23.6%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$24.83 -
$26.06
Company Quality Score
36/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
57.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (10/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 23.6% below Wall St target ($30.33)
- WARNING: Composite score 36/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$24.83 -
$26.06
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$23.76
Resistance Level
$25.67
Current Trend
Uptrend
Technical data as of
Oct 1, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.88
Wall Street Target
$30.33
(+23.6%)
Revenue Growth (YoY)
8.3%
Earnings Growth (YoY)
30.8%
Profit Margin
31.8%
Valuation Discount vs History
-1.0% cheaper
PE vs Historical
8.9 vs 9.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.0%
(market-implied from PE analysis)
1-Year Target
$24.29
(-1%)
2-Year Target
$24.05
(-2%)
3-Year Target
$23.81
(-3%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
$24.40
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 4.8%)
$64.89
(+164%)
Base:
(SPY PE: 8.9, Growth: 4.8%)
$28.25
(+15%)
Bear:
(PE: 7.5, Growth: 4.8%)
$24.01
(-2%)
📈
Valuation based on Current Earnings
Trailing PE: 7.94 | Current EPS (TTM): $3.05
Bull Case
$24.15
(-2%)
Analyst growth -9.4%, PE expands to 8.7
Base Case
$21.95
(-11%)
Market implied -9.4%, PE stable at 7.9
Bear Case
$16.48
(-33%)
Severe decline -20.0%, PE contracts to 6.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.9 to 9.1
Stabilization Target:
$25.15
(+2.5%)
PE Expansion Potential:
+2.5%
Share & Embed Analysis
Last updated: October 02, 2026 7:24 AM ET
Data refreshes hourly during market hours. Next update: 8:24 AM
Data refreshes hourly during market hours. Next update: 8:24 AM
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| Ticker | Score | Recommendation | Change % |
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Technical Signals Check
Is NRIM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
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