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
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+3Most 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
The current persistence contract does not provide an exact AI reference price. RankAlpha therefore does not calculate scenario return from the live quote. How scenarios are presented
AI sentiment snapshot
Latest data as of 2026-07-28
Recent news sentiment (30D)
+22.8
Positive
Company
-
Unavailable
Macro
+22.8
Positive
Pulse
-
Unavailable
Weekly research (10D)
-36.0
Negative
Sentiment proxy
+79.0
Score
AI commentary
The earnings tone is positive, but post-print price follow-through was not decisive. The newly announced merger is strategically meaningful but increases event and execution risk. With low coverage and no verified post-print analyst revision series, this remains a monitoring view rather than a strong bullish thesis.
RankAlpha Sentiment Codex - 2026-07-28
Open post-earnings memoEvidence flagged
No evidence quality warning is currently attached to this memo.
Impact
standard
Confidence
-
AI events
2026-07-22eventQ2 earnings and spread momentumMedium impact
Q2 net income was $15.3 million, or $0.68 per diluted share. Net interest income rose 11% year over year, NIMTE reached 5.01%, loans grew 8%, deposits grew 4%, and deposit costs declined [#SEC-8K-2026-07-23].
2026-10-26eventPBCO merger approval and closing pathHigh impact
Northrim agreed to acquire PBCO Financial in an all-stock transaction valued at approximately $167.3 million. Closing is expected in Q4 2026 or early Q1 2027, subject to shareholder and regulatory approvals [#8-K-2026-07-23].
2026-10-26catalystCredit quality and NIM durability checkpointMedium impact
Nonperforming assets increased to $23.0 million from $15.3 million in the prior quarter, while allowance coverage of nonperforming loans declined to 117% from 175%. The next disclosure should clarify whether credit normalization offsets continued spread strength [#SEC-8K-2026-07-23].
Recommendation
N/A
No formal recommendation provided.
As of 2026-07-28 • Updated nightlySource: Internal modelMethodology