B+
Bull case
25%
Probability
Target price
$35.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
NRIM
Northrim BanCorpBNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
The Q2 print showed improving NIM, loan and deposit growth, lower deposit costs, and higher profitability. The proposed PBCO acquisition could diversify the franchise and add scale, deposits, and longer-term earnings capacity [#SEC-8K-2026-07-23][#8-K-2026-07-23].
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta -3.2.
What can break
Low coverage, absent social data, and unavailable post-print analyst revisions reduce forward visibility.
Momentum
36
Value
72
Sentiment
72
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $30.00 · Bull $35.00 · Bear $22.00Analysis 2026-07-28; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-11 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-28 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-09-11
Investment thesis
As of 2026-09-11
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-11. Definitions
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $30.33
Why
Momentum36 · Δ7d +3.9
Value72 · Δ7d +7.6
Sentiment72 · Δ7d -3.2
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta -3.2.
Contradictions & invalidation
- • Low coverage, absent social data, and unavailable post-print analyst revisions reduce forward visibility.
- • Merger completion depends on shareholder votes, regulatory approvals, an S-4 registration statement, and other closing conditions [#8-K-2026-07-23].
- • Credit metrics weakened sequentially, and the merger remains conditional on shareholder and regulatory approvals.
Catalyst clock
2026-07-22
Q2 earnings and spread momentum
Lead driver: Sentiment · See AI snapshot
Momentum
36
9% active weight
Current posture
7d trendImproving
Δ7d
+3.9
Δ21d
+1.4
Value
72
28% active weight
Current posture
7d trendImproving
Δ7d
+7.6
Δ21d
+7.7
Sentiment
72
62% active weight
Current posture
7d trendSoftening
Δ7d
-3.2
Δ21d
-2.4
Why this grade
Composite grade B. Momentum 35.7 / Value 71.5 / Sentiment 72.1
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-28. Scenario method
Most likely
B
Base case
50%
Probability
Target price
$30.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$22.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$598.16M
Beta
0.97
Shares Out
22.24M
P/E (TTM)
9.7
P/S (TTM)
2.91
P/FCF (TTM)
4.83
Rev YoY
+3.7%
EPS YoY
+29.7%
Gross Margin
-
Op Margin
+34.8%
Net Debt
$51.63M
Current Ratio
0.13
As of 2026-09-11 • Updated nightlySource: Internal modelMethods & Data