NRIM Stock Analysis: Buy, Sell, or Hold?
NRIM - Northrim BanCorp Inc
$22.88
0.19 (0.84%)
▲
5d:
+0.26%
30d:
-4.75%
90d:
-15.26%
BUY
MODERATE Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: Apr 22, 2026
21d
Get Alerted When NRIM Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
💡 BUY OPPORTUNITY: NRIM shows positive signals but monitor for confirmation. Market pricing in 2.8% decline. Moderate conviction.
💡 BUY OPPORTUNITY: NRIM shows positive signals but monitor for confirmation. Market pricing in 2.8% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$32.56
Based on 5.5% avg growth
INTRINSIC VALUE TODAY
$20.21
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 9.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NRIM is currently trading at $22.88, which is considered fair relative to its 30-day fair value range of $22.35 to $24.13. The stock's valuation (Forward PE: 8.2) is in line with its historical norms (9.0). Remarkably, the market is currently pricing in an annual earnings decline of 2.8% over the next few years. This pessimistic expectation contrasts with the company's recent 12.2% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, NRIM is in a downtrend. The price is approaching resistance at $23.42. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $31.00 (+35.5%). 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 approaching resistance at $23.42. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $31.00 (+35.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$22.35 -
$24.13
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
72.4%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 35.5% below Wall St target ($31.00)
Fair Price Analysis
30-Day Fair Range
$22.35 -
$24.13
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$21.94
Resistance Level
$23.42
Current Trend
Downtrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.25
Wall Street Target
$31.00
(+35.5%)
Revenue Growth (YoY)
17.2%
Earnings Growth (YoY)
12.2%
Profit Margin
30.9%
Valuation Discount vs History
-2.8% cheaper
PE vs Historical
8.3 vs 9.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.8%
(market-implied from PE analysis)
1-Year Target
$22.24
(-3%)
2-Year Target
$21.62
(-6%)
3-Year Target
$21.01
(-8%)
3-Yr Target (if PE normalizes)
(PE: 8→9)
$22.94
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 6.9%)
$75.84
(+232%)
Base:
(SPY PE: 8.2, Growth: 6.9%)
$27.98
(+22%)
Bear:
(PE: 7.0, Growth: 6.9%)
$23.78
(+4%)
📈
Valuation based on Current Earnings
Trailing PE: 7.75 | Current EPS (TTM): $2.87
Bull Case
$23.64
(+4%)
Analyst growth -3.3%, PE expands to 8.5
Base Case
$21.49
(-6%)
Market implied -3.3%, PE stable at 7.8
Bear Case
$15.12
(-34%)
Severe decline -20.0%, PE contracts to 6.6
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 9.0
Stabilization Target:
$24.98
(+9.2%)
PE Expansion Potential:
+9.2%
Share & Embed Analysis
Last updated: March 31, 2026 6:24 PM ET
Data refreshes hourly during market hours. Next update: 7:24 PM
Data refreshes hourly during market hours. Next update: 7:24 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is NRIM showing a specific setup today?
Insider Activity (6 Months)
5
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Jed W Ballard
BUY
650 shares
2026-01-30
Jed W Ballard
BUY
640 shares
2026-01-30
Michael G Huston
BUY
1500 shares
2026-01-29
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
PNC
PNC Financial Services G… |
BUY
23 analysts |
$251 | 61 BUY |
|
WAL
Western Alliance Bancorp… |
STRONG BUY
15 analysts |
$97 | 60 BUY |
|
CFG
Citizens Financial Group… |
BUY
21 analysts |
$73 | 58 HOLD |
|
RF
Regions Financial Corpor… |
HOLD
24 analysts |
$31 | 64 BUY |
|
MTB
M&T Bank Corporation |
BUY
21 analysts |
$235 | 60 HOLD |