NASDAQ$NRIM

Northrim BanCorp Inc · Q3 2020 earnings

Q3 2020 earnings · · Investor relations

Briefing

Northrim BanCorp reported a net income of $11.9 million, or $1.84 per diluted share, compared to $7.5 million, or $1.11 per diluted share in the third quarter a year ago.

Northrim BanCorp reported a net income of $11.86 million, or $1.84 per diluted share, in the third quarter of 2020, compared to $7.54 million, or $1.11 per diluted share, in the third quarter a year ago. Increased production in the Home Mortgage Lending segment and fee and interest income from the Small Business Administration's Paycheck Protection Program loans, as well as significant loan and deposit growth contributed to record profitability for the quarter.

  • Total revenue increased 14% to $39.9 million in the third quarter of 2020.
  • Net interest income in the third quarter of 2020 was $18.3 million, up 5% from the preceding quarter and up 12% from the third quarter a year ago.
  • Net loans increased 4% to $1.47 billion at September 30, 2020, compared to June 30, 2020, and increased 45% compared to September 30, 2019.
  • Total deposits increased 4% to $1.81 billion at September 30, 2020, compared to June 30, 2020, and increased 34% compared to a year earlier.

Headline financials

Total Revenue

$39.9M

Previous: $26.8M+48.9%
EPS (adj)

$1.84

Previous: $1.11+65.8%
Efficiency Ratio

58.9%

No prior period
Return on Avg Assets

2.3%

No prior period
Return on Avg Equity

22.1%

No prior period
Net Int Margin TE

3.9%

No prior period
Capital Expenditures

-$2.55M

Previous: -$1.7M-50.4%
Free Cash Flow

$9.3M

Previous: $5.84M+59.3%
Net Income

$11.9M

Previous: $7.54M+57.3%
Operating Income

$31.6M

Previous: $16.6M+90.4%
Gross Profit

$39.4M

Previous: $24.7M+59.1%
Cash & Equivalents

$101M

Previous: $92.2M+9.7%
Total Assets

$2.1B

Previous: $1.62B+29.8%
Stock-Based Comp

$237K

Previous: $193K+22.8%

Revenue & EPS history

Northrim BanCorp · Revenue · Quarterly

$39.9M

Q3 2020+48.9%vs Q3 2019
Beat estimate in 9 of 16 quarters(56%)
ActualEstimate

Forward guidance

The economic stimulus programs such as the PPP, expanded unemployment benefits, repayment and foreclosure forbearance and other accommodations have been helpful to Alaskans and to Alaska businesses; however, going forward, it is anticipated that most of these programs will be significantly curtailed or eliminated. Consequently there will be less stimulus support for the Alaskan economy

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 Q3 2020

Historical avgQ3 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%

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro