Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/8964d822-facf-430e-bd03-c9effca2e8a2/
NRIM
Northrim BanCorp IncSnapshot 2026-07-12 · 0.9w · Fresh
Strategy Eligibility
8 of 23 passing
★
OS Composite
OS 0.970
↗
Trending Value
✗
◆
Quality × Value
QV 0.925
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 9.3
◇
VC2 Cheapest
✗
📐
EBITDA/EV
13.6%
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
Rev +18%
🔄
Shareholder Yield
2.3%
💰
High Yield
✗
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 92%
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 1.00
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
92.0%ile
P/E
9.3×
P/S
2.5×
P/B
1.8×
E/P
0.1299
FCF Yield
0.237
EBITDA/EV
0.136
SH Yield
0.023
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
12.00000000
/100 — 1=cheapest
VC2 (Trending Value)
15.00000000
/100
VC3 (Buyback)
17.00000000
/100
P/E of 9.3x places this firmly in deep value territory. FCF yield of 23.7% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
93.0%ile
ROE
0.193
ROA
0.019
Net Margin
0.263
Op Margin
0.351
GPA
0.059
D/E
8.99
Current
46.93
F-Score
6/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.185
Earn Growth
0.543
Stability
0.434
lower=better
Accruals
-0.025
lower=better
5yr Consist
No
Highly leveraged with D/E of 8.99 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
72.0%ile
6M Return
-1.7%
12M Return
17.9%
12-1 Mom
11.8%
Risk-Adj
0.32
Vol 252d
36.8%
Vol 60d
83.3%
↑ Expanding
Max DD 12M
-22.7%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
Near-term vol (83%) is expanding vs long-term (37%) — 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
82.4%
Sector Quality %ile
93.8%
P/E z-score
-0.26
P/B z-score
-0.03
Sector Avg OS
85.7%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (92th) and quality (93th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Trending Value Signal
Cheap (92th value) with strong momentum (72th). The market is starting to recognise the value.
Growth at Reasonable Price
Revenue growing 18% with P/E of 9×. Growth isn't fully priced in.
Leveraged Returns
Strong ROE (19%) boosted by high leverage (D/E 9.0). Returns look good but come with balance sheet risk.
Volatility Expanding
60-day vol (83%) significantly exceeds 252-day (37%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
A
78.4% avg (7 factors)
Quality
C
55.9% avg (8 factors)
Momentum
D
42.7% avg (4 factors)
Risk
C
55.3% avg (1 factors)
Momentum is weak, suggesting the market isn't yet buying this thesis. Patience required.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends6 snapshots
Factor Persistence6 snapshots
| Factor | Current | Streak | Trend | Spark |
|---|---|---|---|---|
| OS Composite | 0.970 | —6 | — | |
| Value %ile | 0.920 | —6 | — | |
| Quality %ile | 0.930 | —6 | — | |
| Momentum %ile | 0.720 | —1 | — | |
| F-Score | 6.000 | —0 | — | |
| Confidence | 0.980 | —6 | — | |
| Volatility | 0.368 | —0 | — |
Value Lens2021-07-13 → 2026-07-12
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
9.32
Earnings Yield (E/P)
0.1299
Price / Sales
2.46
Price / Book
1.80
Price / Cash Flow
4.04
FCF Yield
23.7%
EBITDA / EV
13.6%
Sales Yield (1/P·S)
0.3702
Shareholder Yield
Div + net buyback / mktcap
2.3%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
19.3%
Return on Assets
1.9%
Net Margin
26.3%
Operating Margin
35.1%
Gross Profit / Assets
Novy-Marx GPA
5.9%
Debt / Equity
8.99
Current Ratio
46.93
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.025
External Financing
Net issuance — lower=better
0.000
MomentumPrice trend strength over different horizons
6M Return
-1.7%
12M Return
17.9%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
11.8%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.32
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
18.5%
Earnings Growth (YoY)
54.3%
Earnings Stability (CV)
Lower = more stable
0.434
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
12
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
15
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
17
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