Should I Buy NRIM? NRIM 2026 Analysis

Should You Buy Northrim BanCorp Inc (NRIM) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

23.660

1 Day change

3.41%

52 Week Range

30.820

Analysis Updated At

2026/01/30

NRIM is not a good buy right now for an impatient investor. Despite solid Q4 2025 growth and a dividend, the stock is trading below near-term support with bearish momentum, and the active securities-fraud investigation headline is a strong negative overhang that can keep pressure on the shares in the near term. I would stay on the sidelines (hold/avoid new buys).

Technical Analysis

Price/levels: Pre-market 22.88 is below S1 (23.203), which signals a breakdown of near-term support; next notable support is S2 at 21.181. The pivot is far above at 26.477, implying substantial overhead supply before the trend would look repaired. Momentum: MACD histogram is negative (-0.778) and expanding lower, indicating bearish momentum is strengthening. RSI: RSI(6) at ~20.8 is oversold (not neutral), which can produce short bounces, but oversold alone is not a buy signal while MACD is still deteriorating and price is below support. Moving averages: Converging MAs suggest indecision/transition, but with price trading weak and MACD worsening, the current bias remains bearish-to-unstable. Pattern-based odds: Similar-pattern projection implies modest short-term upside odds (70% chance of ~+1.41% next day / +1.74% next week), but only ~+0.02% next month—more consistent with a tradable bounce risk than a clean trend reversal. Intellectia Proprietary Trading Signals - [AI Stock Picker](module://ai_stock_pick): no signal on given stock today. - [SwingMax](module://swingmax): No signal on given stock recently.

Options Data

Positive Catalysts

- Q4 2025 financial growth: revenue +9.71% YoY, net income +13.86% YoY, EPS +12.24% YoY.
- Record net interest income reported for Q4 2025 and declining deposit costs (margin/supportive banking fundamentals).
- Quarterly dividend declared ($0.16/share), supportive of shareholder return and perceived stability.

Neutral/Negative Catalysts

- Securities-fraud investigation headline (event-driven overhang that can suppress valuation and sentiment).
- Q4 earnings reported as a miss vs analyst expectations (near-term credibility/sentiment hit).
- Technical breakdown: price below S1 support with a negatively expanding MACD histogram (bearish momentum).

Financial Performance

Latest quarter: 2025/Q4. Revenue rose to 43.756M (+9.71% YoY), net income increased to 12.441M (+13.86% YoY), and EPS grew to 0.55 (+12.24% YoY). Overall, core growth trends are positive, consistent with improving profitability; however, the market reaction appears dominated by the earnings miss and investigation risk rather than the underlying growth.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

No analyst rating / price target change data was provided, so a formal trend can’t be confirmed. Based on available info, Wall Street-style pros would likely emphasize: (1) improving earnings power (NII up, deposit costs down) and (2) shareholder return via dividend. Cons would center on: (1) investigation/legal headline risk and (2) near-term confidence hit from the earnings miss, which can cap upside until clarity improves.

Analyst Rating

Wall Street analysts forecast NRIM stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for NRIM is 0 USD with a low forecast of 0 USD and a high forecast of 0 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

Buy

Hold

Sell

Current: 22.880

Low

Averages

High