NASDAQ$NRIM

Northrim BanCorp Inc · Q1 2020 earnings

Q1 2020 earnings · · Investor relations

Briefing

Northrim BanCorp reported a decrease in first quarter profits due to a higher loan loss provision, despite growth in the mortgage banking division and loan and deposit growth in the community banking segment.

Northrim BanCorp reported a net income of $1.03 million, or $0.16 per diluted share, for the first quarter of 2020. The results were impacted by a $2.1 million loan loss provision due to the COVID-19 pandemic and declining oil prices, despite higher mortgage production and loan and deposit growth.

  • Net income was $1.03 million, or $0.16 per diluted share.
  • Total revenue decreased 5% to $22.1 million.
  • Net loans increased 10% to $1.06 billion.
  • Total deposits increased 14% to $1.40 billion.

Headline financials

Total Revenue

$22.1M

Previous: $23.3M-5.1%
EPS (adj)

$0.16

Previous: $0.62-74.2%
Efficiency Ratio

84.9%

No prior period
Return on Avg Assets

0.3%

No prior period
Return on Avg Equity

2.0%

No prior period
Capital Expenditures

-$1.63M

Previous: -$621K-162.8%
Free Cash Flow

-$599K

Previous: $3.69M-116.2%
Net Income

$1.03M

Previous: $4.31M-76.0%
Operating Income

$13.3M

Previous: $16.1M-17.4%
Gross Profit

$20.1M

Previous: $22.6M-11.0%
Cash & Equivalents

$85.8M

Previous: $78.9M+8.7%
Total Assets

$1.69B

Previous: $1.52B+11.3%
Stock-Based Comp

$242K

Previous: $196K+23.5%

Revenue & EPS history

Northrim BanCorp · Revenue · Quarterly

$22.1M

Q1 2020-5.1%vs Q1 2019
Beat estimate in 9 of 16 quarters(56%)
ActualEstimate

Forward guidance

The company expects the COVID-19 pandemic and the decline in oil prices to negatively impact the Alaska economy and its future performance.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2020

Historical avgQ1 2020

+0.0%

Avg return

Earnings day

+0.2%

Avg return

5 days after

+4.9%

Avg return

30 days after

63%

41 / 65 earnings

Positive

+7.2%

Q3 2022

Best reaction

-16.0%

Q1 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+3.3%+4.7%+1.3%
Q4 2025-15.3%-23.8%-14.2%
Q3 2025+3.2%+10.1%+16.5%
Q1 2025+0.8%+1.9%+9.4%
Q4 2024+3.8%+3.7%-0.0%
Q3 2024-4.1%-3.9%+27.5%
Q2 2024+1.9%-2.0%-3.3%
Q1 2024+3.9%+3.5%+16.6%
Q4 2023+1.3%+2.6%-6.0%
Q3 2023+1.1%+6.1%+26.7%
Q2 2023+3.0%+2.6%-8.8%
Q1 2023-16.0%-13.2%-7.5%
Q4 2022+0.6%+1.6%-0.1%
Q3 2022+7.2%+11.5%+28.6%
Q2 2022+1.7%-1.0%-0.8%
Q1 2022-0.3%-0.1%+4.0%
Q4 2021+0.9%-0.2%-0.6%
Q3 2021+0.9%+3.1%-3.7%
Q2 2021+0.6%+0.6%+1.5%
Q1 2021-1.0%+0.6%+0.8%
Q4 2020+4.5%+8.2%+33.8%
Q3 2020-1.5%-9.3%+8.3%
Q2 2020+0.9%+0.1%+10.2%
Q1 2020+4.7%+1.7%+16.1%
Q4 2019+2.6%+1.7%+2.7%
Q3 2019+4.2%+5.2%+0.3%
Q2 2019+1.7%-4.2%-4.1%
Q1 2019+2.0%+3.1%-2.2%
Q4 2018-4.9%-1.3%+14.6%
Q3 2018+2.8%+4.0%+0.1%
Q2 2018+1.6%+4.5%+10.3%
Q1 2018+1.4%+3.0%+13.4%
Q4 2017-1.0%-1.6%-2.2%
Q3 2017-8.8%-4.2%+5.2%
Q2 2017+1.6%-2.1%+1.7%
Q1 2017+0.5%-1.6%-7.2%
Q4 2016-6.3%-5.0%-2.0%
Q3 2016+1.6%+1.8%+14.9%
Q2 2016-7.0%-6.0%-9.5%
Q1 2016+3.1%
Q4 2015+4.3%
Q3 2015+0.6%
Q2 2015+1.6%
Q1 2015+3.8%
Q4 2014-3.6%
Q3 2014-3.3%
Q2 2014+1.4%
Q1 2014+0.1%
Q4 2013-1.0%
Q3 2013+1.3%
Q2 2013-0.1%
Q4 2012-0.1%
Q1 2013-2.0%
Q3 2012-1.2%
Q2 2012+1.6%
Q1 2011+0.3%
Q1 2012-0.5%
Q4 2011-0.4%
Q4 2009-0.4%
Q3 2011+0.3%
Q3 2010+0.3%
Q2 2011-1.5%
Q4 2010-1.5%
Q2 2010-1.5%
Q1 2010+2.5%

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