NASDAQ$NRIM

Northrim BanCorp Inc · Q2 2024 earnings

Q2 2024 earnings · · Investor relations

Briefing

Northrim BanCorp reported net income of $9.0 million, or $1.62 per diluted share, in the second quarter of 2024.

Northrim BanCorp reported a strong second quarter in 2024, with net income reaching $9.0 million, or $1.62 per diluted share. The increase in profitability compared to the previous quarter and the same quarter last year was primarily driven by an increase in mortgage banking income and higher net interest income, as well as a lower provision for credit losses. The company remains optimistic about continued deposit and loan growth throughout its expanding footprint in Alaska.

  • Net interest income increased 2% to $27.1 million compared to the first quarter of 2024 and increased 8% compared to the second quarter of 2023.
  • Net interest margin on a tax equivalent basis was 4.30% for the second quarter of 2024, up 8-basis points from the first quarter of 2024 and up 9-basis points from the second quarter a year ago.
  • Portfolio loans were $1.88 billion at June 30, 2024, up 4% from the preceding quarter and up 13% from a year ago.
  • Total deposits were $2.46 billion at June 30, 2024, up 1% from the preceding quarter, and up 7% from $2.30 billion a year ago.

Headline financials

Total Revenue

$36.6M

Previous: $32.1M+14.0%
EPS (adj)

$1.62

Previous: $0.98+65.3%
Capital Expenditures

-$1.52M

Previous: -$3.33M+54.5%
Free Cash Flow

$7.51M

Previous: $2.25M+233.7%
Net Income

$9.02M

Previous: $5.58M+61.7%
Operating Income

$19.1M

Previous: $16.7M+14.6%
Gross Profit

$36.5M

Previous: $30.7M+18.9%
Stock-Based Comp

$219K

Previous: $225K-2.7%

Revenue & EPS history

Northrim BanCorp · Revenue · Quarterly

$36.6M

Q2 2024+14%vs Q2 2023
Beat estimate in 13 of 15 quarters(87%)
ActualEstimate

Forward guidance

Northrim anticipates net interest margin leveling off through the remainder of the year.

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 Q2 2024

Historical avgQ2 2024

+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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