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Northrim BanCorp NRIM Q4 2025 Annual earnings

Reported January 23, 2026 · After market close

Revenue$51.7MMiss by $1.0M
EPS$0.54Miss by $0.10
Revenue estimate$52.7M
EPS estimate$0.64

Next report

Oct 28, 2026 (in 3 months)
Revenue estimate$53.7M
EPS estimate$0.67

Financials

Q4 2025

Income statement

See full
Revenue$51.7M+17.7%
Net income$12.4M+13.9%
EPS (diluted)$0.55+12.2%

Balance sheet

See full
Total debt$87.7M+1,071%
Total equity$326.5M+22.2%
Total assets$3.3B+8.2%

Cash flow

See full
Operating cash flow$34.5M—
CapEx$2.2M—
Free cash flow$32.3M—

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$587.83M+37.1%
Enterprise value$675.5M+54.8%
P/E9.1×-2.5×
P/S2.8×0.0×

Profitability

See full
Net margin30.4%+6.5pp
FCF margin65.1%—

Returns & leverage

See full
Return on equity21.8%+7.0pp
Debt / equity0.3×+0.2×

Segments

By segment

See full
Community Banking$44.3M+13.1%
Home Mortgage Lending$11.7M-7.4%
Specialty Finance$7.4M+91.5%

By product

See full
Bankcard fees$1.2M+6.2%
Service charges on deposit accounts$787.0K+26.5%

Versus estimates

Revenue

Q2 2026$53.9MBeat by $2.1MQ1 2026$49.5MMiss by $1.1M
Q4 2025$51.7MMiss by $1.0M
Q3 2025$52.4MBeat by $1.4MQ2 2025$50.2MBeat by $532.0KQ1 2025$45.5MBeat by $1.4M

Diluted EPS

Q2 2026$0.68Beat by $0.07Q1 2026$0.61Beat by $0.08
Q4 2025$0.54Miss by $0.10
Q3 2025$0.72Beat by $0.08Q2 2025$0.52Miss by $0.05Q1 2025$0.60Beat by $0.18

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Questions, answered.

When did Northrim BanCorp report Q4 2025 earnings?
Northrim BanCorp (NRIM) reported Q4 2025 earnings on January 23, 2026 after market close.
What were Northrim BanCorp's Q4 2025 revenue and EPS?
Northrim BanCorp reported revenue of $51.7M and eps of $0.54 for Q4 2025.
Did Northrim BanCorp beat estimates in Q4 2025?
Revenue missed the consensus estimate of $52.7M by $1.0M. EPS missed the consensus estimate of $0.64 by $0.10.
How did Northrim BanCorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 5.8% from $54.8M a year earlier and eps grew 10.7% from $0.49.
Where can I find Northrim BanCorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001163370-26-000004) and the 10-K periodic report (0001163370-26-000007) directly on SEC EDGAR. The filing index links above go to sec.gov.