NRIM Stock Analysis: Buy, Sell, or Hold?
NRIM - Northrim BanCorp Inc
$23.56
0.68 (2.97%)
▲
HOLD
LOW Confidence
Last Updated: January 30, 2026
Earnings: Apr 21, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: NRIM shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: NRIM shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$35.29
Based on 6.1% avg growth
INTRINSIC VALUE TODAY
$21.91
Trading above fair value
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 9.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NRIM is currently trading at $23.56, which is considered oversold relative to its 30-day fair value range of $24.81 to $28.86. From a valuation perspective, the stock is trading at a discount (Forward PE: 8.2) compared to its historical average (9.4). Remarkably, the market is currently pricing in an annual earnings decline of 4.5% over the next few years. This pessimistic expectation contrasts with the company's recent 12.6% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, NRIM is in a downtrend. Immediate support is located at $22.25, while resistance sits at $30.82.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $30.50 (+33.3%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, NRIM is in a downtrend. Immediate support is located at $22.25, while resistance sits at $30.82.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $30.50 (+33.3%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$24.81 -
$28.86
Company Quality Score
44/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
Protect Your Profits
Holding NRIM? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 33.3% below Wall St target ($30.50)
- CAUTION: Recommendation downgraded due to -6.7% 5-day decline
Fair Price Analysis
30-Day Fair Range
$24.81 -
$28.86
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$22.25
Resistance Level
$30.82
Current Trend
Downtrend
Fundamental Context
Forward P/E (Next Year Est.)
8.17
Wall Street Target
$30.50
(+33.3%)
Revenue Growth (YoY)
17.2%
Earnings Growth (YoY)
12.6%
Profit Margin
30.9%
Valuation Discount vs History
-4.5% cheaper
PE vs Historical
8.2 vs 9.4
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-4.5%
(market-implied from PE analysis)
1-Year Target
$21.85
(-5%)
2-Year Target
$20.87
(-9%)
3-Year Target
$19.93
(-13%)
3-Yr Target (if PE normalizes)
(PE: 8→9)
$22.92
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 8.1%)
$78.89
(+245%)
Base:
(SPY PE: 8.2, Growth: 8.1%)
$28.91
(+26%)
Bear:
(PE: 6.9, Growth: 8.1%)
$24.57
(+7%)
📈
Valuation based on Current Earnings
Trailing PE: 7.88 | Current EPS (TTM): $2.87
Bull Case
$24.26
(+3%)
Analyst growth -2.4%, PE expands to 8.7
Base Case
$22.06
(-6%)
Market implied -2.4%, PE stable at 7.9
Bear Case
$15.37
(-35%)
Severe decline -20.0%, PE contracts to 6.7
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 8.2 to 9.4
Stabilization Target:
$26.32
(+15.0%)
PE Expansion Potential:
+15.0%
Last updated: January 31, 2026 7:46 AM ET
Data refreshes hourly during market hours. Next update: 8:46 AM
Data refreshes hourly during market hours. Next update: 8:46 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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Advanced NRIM Option Strategies
Professional options setups generated by AI based on today's NRIM price and gamma walls.