Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/8964d822-facf-430e-bd03-c9effca2e8a2/
NRIM
Northrim BanCorp IncSnapshot 2026-07-26 · 0.9w · Fresh
Strategy Eligibility
9 of 23 passing
★
OS Composite
OS 0.970
↗
Trending Value
✗
◆
Quality × Value
QV 0.920
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 8.8
◇
VC2 Cheapest
✗
📐
EBITDA/EV
18.0%
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
Rev +12%
🔄
Shareholder Yield
2.3%
💰
High Yield
✗
🚀
Momentum Leaders
12-1 33%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 94%
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 1.00
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
94.0%ile
P/E
8.8×
P/S
2.4×
P/B
1.7×
E/P
0.1738
FCF Yield
0.277
EBITDA/EV
0.180
SH Yield
0.023
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
10.00000000
/100 — 1=cheapest
VC2 (Trending Value)
12.00000000
/100
VC3 (Buyback)
15.00000000
/100
P/E of 8.8x places this firmly in deep value territory. FCF yield of 27.7% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
90.0%ile
ROE
0.197
ROA
0.020
Net Margin
0.275
Op Margin
0.365
GPA
0.059
D/E
8.83
Current
0.24
F-Score
6/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.116
Earn Growth
0.528
Stability
0.392
lower=better
Accruals
-0.021
lower=better
5yr Consist
No
Highly leveraged with D/E of 8.83 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
75.0%ile
6M Return
8.7%
12M Return
28.6%
12-1 Mom
32.7%
Risk-Adj
0.94
Vol 252d
34.9%
Vol 60d
78.1%
↑ Expanding
Max DD 12M
-22.7%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 33% is very strong — a clear uptrend. Near-term vol (78%) is expanding vs long-term (35%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.97
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services
· 500 peers
Sector Value %ile
89.0%
Sector Quality %ile
88.0%
P/E z-score
-0.30
P/B z-score
-0.05
Sector Avg OS
85.1%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (94th) and quality (90th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Trending Value Signal
Cheap (94th value) with strong momentum (75th). The market is starting to recognise the value.
Leveraged Returns
Strong ROE (20%) boosted by high leverage (D/E 8.8). Returns look good but come with balance sheet risk.
Volatility Expanding
60-day vol (78%) significantly exceeds 252-day (35%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
A
83.9% avg (7 factors)
Quality
D
43.3% avg (8 factors)
Momentum
C
59.7% avg (4 factors)
Risk
C
58.4% avg (1 factors)
Deep value territory, but quality is concerning. This is either a turnaround opportunity or a value trap — the F-Score and accruals ratio will be key differentiators.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends8 snapshots
Factor Persistence8 snapshots
| Factor | Current | Streak | Trend | Spark |
|---|---|---|---|---|
| OS Composite | 0.970 | —8 | — | |
| Value %ile | 0.940 | —8 | — | |
| Quality %ile | 0.900 | —8 | — | |
| Momentum %ile | 0.750 | —1 | — | |
| F-Score | 6.000 | —0 | — | |
| Confidence | 1.000 | —8 | — | |
| Volatility | 0.349 | —0 | — |
Value Lens2021-07-27 → 2026-07-26
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
8.79
Earnings Yield (E/P)
0.1738
Price / Sales
2.42
Price / Book
1.73
Price / Cash Flow
4.32
FCF Yield
27.7%
EBITDA / EV
18.0%
Sales Yield (1/P·S)
0.4757
Shareholder Yield
Div + net buyback / mktcap
2.3%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
19.7%
Return on Assets
2.0%
Net Margin
27.5%
Operating Margin
36.5%
Gross Profit / Assets
Novy-Marx GPA
5.9%
Debt / Equity
8.83
Current Ratio
0.24
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.021
External Financing
Net issuance — lower=better
0.000
MomentumPrice trend strength over different horizons
6M Return
8.7%
12M Return
28.6%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
32.7%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.94
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
11.6%
Earnings Growth (YoY)
52.8%
Earnings Stability (CV)
Lower = more stable
0.392
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
6
Dividend Yield
2.4%
Buyback Yield
-0.1%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
10
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
12
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
15
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity