Demonstrações financeiras detalhadas de Northrim BanCorp, Inc. (NRIM): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Northrim BanCorp, Inc. registou receitas de $242.5M no último exercício, com um CAGR de 5 anos de 11.6%. O lucro líquido atingiu $64.6M, com CAGR de 5 anos de 14.5%.
Margens dos últimos 12 meses: margem bruta 81.6%, margem operacional 36.5%, margem líquida 27.5%.
Ao preço atual de $25.56, NRIM negocia a um P/L de 8.25 e um ROE de 20.68%. A capitalização de mercado é de $569M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $102.2M | $96.1M | $96.3M | $107.4M | $140.0M | $136.9M | $134.4M | $158.3M | $196.0M | $242.5M |
| Custo da Receita | $4.9M | $5.6M | $2.5M | $4.5M | $8.5M | -$320000 | $7.1M | $32.5M | $44.0M | $45.1M |
| Lucro Bruto | $97.3M | $90.5M | $93.9M | $103.0M | $131.6M | $137.2M | $127.3M | $125.8M | $151.9M | $197.5M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $54.8M | $54.0M | $53.9M | $61.4M | $64.7M | $64.7M | $63.0M | $67.2M | $73.8M | $84.6M |
| Despesas Operacionais | $76.3M | $66.7M | $69.8M | $76.8M | $89.1M | $89.2M | $88.9M | $94.2M | $104.9M | $111.3M |
| Lucro Operacional | $21.0M | $23.8M | $24.1M | $26.1M | $42.4M | $48.0M | $38.5M | $31.6M | $47.0M | $86.1M |
| EBITDA | $23.8M | $27.4M | $27.3M | $30.2M | $46.7M | $52.5M | $41.7M | $34.9M | $50.6M | $88.8M |
| Despesas com Juros | $2.6M | $2.4M | $3.0M | $5.6M | $6.1M | $3.8M | $5.2M | $28.7M | $40.7M | $42.8M |
| Lucro Antes de Impostos | $21.0M | $23.8M | $24.1M | $26.1M | $42.4M | $48.0M | $38.5M | $31.6M | $47.0M | $84.5M |
| Imposto | $6.1M | $10.3M | $4.1M | $5.4M | $9.6M | $10.5M | $7.8M | $6.2M | $10.0M | $19.9M |
| Lucro Líquido | $14.4M | $13.2M | $20.0M | $20.7M | $32.9M | $37.5M | $30.7M | $25.4M | $37.0M | $64.6M |
| LPA | $0.52 | $0.48 | $0.73 | $0.77 | $1.29 | $1.52 | $1.33 | $1.13 | $1.68 | $2.92 |
| LPA Diluído | $0.52 | $0.47 | $0.72 | $0.76 | $1.28 | $1.50 | $1.32 | $1.12 | $1.66 | $2.87 |
| Ações em Circulação (Diluídas) | $27.9M | $27.9M | $27.9M | $27.2M | $25.7M | $25.0M | $23.3M | $22.6M | $22.3M | $22.5M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $63.0M | $62.3M | $59.8M | $63.9M |
| Lucro Bruto | $50.7M | $51.7M | $48.6M | $52.2M |
| Lucro Operacional | $34.6M | $18.2M | $18.0M | $20.2M |
| EBITDA | $35.4M | $19.8M | $18.8M | $21.0M |
| Lucro Líquido | $27.1M | $12.4M | $13.7M | $15.3M |
| LPA | $1.23 | $0.56 | $0.62 | $0.69 |
| LPA Diluído | $1.20 | $0.55 | $0.61 | $0.68 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $50.6M | $77.8M | $77.5M | $95.4M | $116.0M | $645.8M | $259.4M | $118.5M | $62.7M | $145.9M |
| Investimentos de Curto Prazo | $331.2M | $307.0M | $271.6M | $276.1M | $247.6M | $426.7M | $677.0M | $637.9M | $478.6M | $198.0M |
| Contas a Receber | $20.5M | $31.9M | $27.4M | $30.3M | $26.0M | $15.8M | $31.7M | $50.5M | $102.2M | $12.5M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $403.9M | $418.1M | $378.5M | $403.5M | $392.0M | $1.09B | $970.4M | $809.6M | $646.2M | $359.1M |
| Imobilizado | $39.3M | $37.9M | $39.1M | $52.7M | $50.5M | $48.2M | $47.7M | $49.8M | $45.2M | $45.6M |
| Ágio | $15.0M | $15.0M | $15.0M | $15.0M | $15.0M | $15.0M | $15.0M | $15.0M | $50.0M | $49.9M |
| Ativos Intangíveis | $5.5M | $13.8M | $17.9M | $18.8M | $17.5M | $18.7M | $23.5M | $23.5M | $30.3M | $31.3M |
| Ativos Totais | $1.53B | $1.52B | $1.50B | $1.64B | $2.12B | $2.72B | $2.67B | $2.81B | $3.04B | $3.29B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | $27.6M | $27.7M | $34.3M | 0 | 0 | 0 | 0 | 0 | 0 | $453000 |
| Passivos Circulantes | $1.30B | $1.29B | $1.26B | $1.37B | $1.82B | $2.42B | $2.39B | $2.49B | $2.68B | $2.81B |
| Dívida de Longo Prazo | $22.9M | $17.7M | $17.6M | $19.2M | $25.1M | $24.8M | $24.4M | $24.0M | $33.4M | $81.3M |
| Passivos Totais | $1.34B | $1.33B | $1.30B | $1.44B | $1.90B | $2.49B | $2.46B | $2.57B | $2.77B | $2.96B |
| Reservas | $117.1M | $124.4M | $137.5M | $149.6M | $173.5M | $204.0M | $224.2M | $236.0M | $259.3M | $309.6M |
| Patrimônio Líquido | $186.6M | $192.8M | $205.9M | $207.1M | $221.6M | $237.8M | $218.6M | $234.7M | $267.1M | $326.5M |
| Dívida Total | $50.5M | $45.4M | $51.8M | $33.4M | $37.5M | $35.8M | $34.3M | $33.1M | $40.8M | $87.7M |
| Dívida Líquida | -$331.3M | -$339.4M | -$297.3M | -$338.1M | -$326.1M | -$1.04B | -$902.1M | -$723.4M | -$500.5M | -$256.3M |
| Capital de Giro | -$891.4M | -$868.0M | -$883.9M | -$968.8M | -$1.43B | -$1.33B | -$1.42B | -$1.68B | -$2.03B | -$2.45B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $212.7M | $145.9M | $33.0M | $172.2M |
| Ativos Totais | $3.31B | $3.29B | $3.35B | $3.42B |
| Passivos Totais | $3.00B | $2.96B | $3.02B | $3.07B |
| Patrimônio Líquido | $315.7M | $326.5M | $335.8M | $347.6M |
| Dívida Total | $29.8M | $87.7M | $93.5M | $93.0M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $15.0M | $13.5M | $20.0M | $20.7M | $32.9M | $37.5M | $30.7M | $25.4M | $37.0M | $64.6M |
| Depreciação e Amortização | $2.7M | $3.6M | $3.3M | $4.1M | $4.3M | $4.5M | $3.2M | $3.3M | $3.6M | $3.5M |
| Compensação em Ações | $778000 | $665000 | $816000 | $832000 | $943000 | $1.1M | $742000 | $937000 | $913000 | $1.7M |
| Variação Capital de Giro | -$5.0M | $776000 | -$8.2M | $9.1M | -$6.1M | $4.2M | -$153000 | $10.5M | -$18.6M | $22.4M |
| Fluxo de Caixa Operacional | $20.1M | $19.3M | $25.1M | -$821000 | -$36.5M | $112.0M | $78.1M | $38.9M | -$8.7M | $139.3M |
| CapEx | -$3.3M | -$7.2M | -$4.0M | -$3.0M | -$3.3M | -$2.5M | -$3.8M | -$6.2M | -$620000 | -$5.5M |
| Aquisições | 0 | $4.6M | 0 | 0 | 0 | 0 | 0 | 0 | -$40.7M | $144000 |
| Recompra de Ações | 0 | -$1.6M | -$494000 | -$12.6M | -$10.0M | -$11.5M | -$14.2M | -$9.0M | -$789000 | 0 |
| Dividendos Pagos | -$5.4M | -$6.0M | -$7.1M | -$8.5M | -$8.8M | -$9.4M | -$10.6M | -$13.6M | -$13.8M | -$14.5M |
| Fluxo de Caixa Livre | $16.8M | $12.0M | $21.1M | -$3.9M | -$39.7M | $109.5M | $74.3M | $32.6M | -$9.3M | $133.9M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $92.7M | $34.5M | $27.2M | $40.1M |
| CapEx | -$2.7M | -$2.2M | -$2.9M | -$583000 |
| Fluxo de Caixa Livre | $89.9M | $32.3M | $24.3M | $39.5M |
| Dividendos Pagos | -$3.5M | -$3.9M | -$3.6M | -$3.6M |
| Compensação em Ações | $363000 | $1.2M | $310000 | $394000 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | -5.9% | +0.2% | +11.5% | +30.4% | -2.3% | -1.8% | +17.8% | +23.8% | +23.8% |
| Crescimento Lucro Líquido (anual) | | -8.7% | +52.1% | +3.4% | +58.9% | +14.1% | -18.1% | -17.4% | +45.6% | +74.8% |
| Crescimento LPA (anual) | | -8.6% | +52.4% | +5.8% | +68.2% | +17.2% | -12.2% | -15.0% | +48.3% | +73.8% |
| Variação de Ações (anual) | | +0.0% | +0.1% | -2.5% | -5.5% | -2.8% | -6.7% | -2.9% | -1.4% | +0.9% |
| Crescimento FCF (anual) | | -28.4% | +75.3% | -118.3% | -929.0% | +375.6% | -32.2% | -56.1% | -128.7% | +1532.2% |
| Margem Bruta | 95.2% | 94.1% | 97.4% | 95.8% | 93.9% | 100.2% | 94.7% | 79.4% | 77.5% | 81.4% |
| Margem Operacional | 20.6% | 24.8% | 25.0% | 24.3% | 30.3% | 35.1% | 28.6% | 20.0% | 24.0% | 35.5% |
| Margem EBITDA | 23.3% | 28.5% | 28.4% | 28.1% | 33.4% | 38.3% | 31.0% | 22.1% | 25.8% | 36.6% |
| Margem Líquida | 14.1% | 13.7% | 20.8% | 19.3% | 23.5% | 27.4% | 22.9% | 16.0% | 18.9% | 26.6% |
| Margem FCF | 16.5% | 12.5% | 21.9% | -3.6% | -28.4% | 80.0% | 55.3% | 20.6% | -4.8% | 55.2% |
| Taxa Efetiva de Imposto | 28.8% | 43.4% | 16.9% | 20.8% | 22.5% | 21.8% | 20.1% | 19.7% | 21.3% | 23.6% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $0.60 | $0.43 | $0.76 | $-0.14 | $-1.54 | $4.38 | $3.19 | $1.44 | $-0.42 | $5.94 |
| Dividendo por Ação | $0.19 | $0.21 | $0.25 | $0.31 | $0.34 | $0.38 | $0.45 | $0.60 | $0.62 | $0.65 |
| Ações em Circulação (Básicas) | $27.5M | $27.6M | $27.5M | $26.8M | $25.4M | $24.7M | $23.1M | $22.4M | $22.0M | $22.1M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 20.68% |
| Retorno sobre capital investido | 2.14% |
| Retorno sobre ativos | 2.01% |
| Margem bruta | 81.58% |
| Margem operacional | 36.54% |
| Margem líquida | 27.52% |
Saúde financeira
| Dívida / Patrimônio | 0.27 |
| Liquidez corrente | 61.92 |
| Piotroski F-Score | 6 |
| Altman Z-Score | -0.48 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 15.12 | 17.72 | 11.30 | 12.43 | 6.56 | 7.16 | 10.24 | 12.63 | 11.60 | 9.11 |
| P/VP | 1.17 | 1.21 | 1.10 | 1.24 | 0.97 | 1.13 | 1.44 | 1.36 | 1.61 | 1.80 |
| P/V | 2.13 | 2.43 | 2.35 | 2.39 | 1.54 | 1.96 | 2.34 | 2.02 | 2.19 | 2.42 |
| Margem Bruta | 95.2% | 94.1% | 97.4% | 95.8% | 93.9% | 100.2% | 94.7% | 79.4% | 77.5% | 81.4% |
| Margem Operacional | 20.6% | 24.8% | 25.0% | 24.3% | 30.3% | 35.1% | 28.6% | 20.0% | 24.0% | 35.5% |
| Margem Líquida | 14.1% | 13.7% | 20.8% | 19.3% | 23.5% | 27.4% | 22.9% | 16.0% | 18.9% | 26.6% |