Northrim BanCorp (NRIM) Stock: Buy, Sell, or Hold?
NRIM - Northrim BanCorp Inc
$23.65
-0.07 (-0.30%)
▼
5d:
-1.91%
30d:
-5.78%
90d:
-12.89%
BUY
HIGH Confidence
Analysis Updated: Oct 21, 2026 12:00 AM ET
Earnings: Oct 28, 2026
5d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: NRIM shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
✅ BUY SIGNAL: NRIM shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$32.22
Based on 5.5% avg growth
INTRINSIC VALUE TODAY
$20.01
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 $23.65, which is considered oversold relative to its 30-day fair value range of $23.95 to $25.29. The stock's valuation (Forward PE: 8.8) is in line with its historical norms (9.1). Remarkably, the market is currently pricing in an annual earnings decline of 1.4% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, NRIM is in a downtrend. The price is currently testing key support at $22.95. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: NRIM scores 73/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $28.33 (+19.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, NRIM is in a downtrend. The price is currently testing key support at $22.95. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: NRIM scores 73/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $28.33 (+19.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$23.95 -
$25.29
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
88.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (73/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($28.33)
- BULLISH: Bottoming setup score 73/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$23.95 -
$25.29
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$22.95
Resistance Level
$24.78
Current Trend
Downtrend
Technical data as of
Oct 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.75
Wall Street Target
$28.33
(+19.8%)
Revenue Growth (YoY)
-20.0%
Earnings Growth (YoY)
-47.5%
Profit Margin
27.6%
Valuation Discount vs History
-1.4% cheaper
PE vs Historical
8.8 vs 9.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.4%
(market-implied from PE analysis)
1-Year Target
$23.32
(-1%)
2-Year Target
$22.99
(-3%)
3-Year Target
$22.67
(-4%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
$23.58
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 7.1%)
$66.02
(+179%)
Base:
(SPY PE: 8.7, Growth: 7.1%)
$29.08
(+23%)
Bear:
(PE: 7.4, Growth: 7.1%)
$24.72
(+5%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 9.60 | Current EPS (TTM): $2.47
Bull Case
$28.56
(+21%)
Analyst growth 9.4%, PE expands to 10.6
Base Case
$25.96
(+10%)
Market implied 9.4%, PE stable at 9.6
Bear Case
$16.13
(-32%)
Severe decline -20.0%, PE contracts to 8.2
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 8.7 to 9.1
Stabilization Target:
$24.60
(+4.0%)
PE Expansion Potential:
+4.0%
Share & Embed Analysis
Last updated: October 22, 2026 8:16 AM ET
Data refreshes hourly during market hours. Next update: 9:16 AM
Data refreshes hourly during market hours. Next update: 9:16 AM
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Technical Signals Check
Is NRIM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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