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Northrim Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow−$14.3M in Q3 2026 · $82.0M over twelve months

Operating cash flow−$13.8M
Capital spending−$560K
Free cash flow−$14.3M
Cash / net income-1.0×

Analysis

In Q3 2026, Northrim Bancorp generated −$13.8M of operating cash flow and spent $560K on capital projects, leaving free cash flow of −$14.3M. That is $104M less than in Q3 2025 ($89.7M).

Over the twelve months to Sep 30, 2026, operating cash flow was $88.3M; the largest uses were other investing ($242M), dividends ($14.8M), capital spending ($6.3M); besides operations, cash came from other financing ($203M), shares issued ($885K); the cash balance rose by $29.1M.

Operating cash flow was −$13.8M against net income of $14.4M — -1.0× profit, less cash than reported earnings, worth checking against working capital. The largest differences: other liabilities +$18.0M, prepaid and other assets −$16.9M, stock-based pay +$507K.

Free cash flow

Northrim Bancorp: free cash flow by quarterNorthrim Bancorp: free cash flow by quarter$37.0MQ4 2024$16.3MQ1 2025−$4.7MQ2 2025$89.7MQ3 2025$32.5MQ4 2025$24.3MQ1 2026$39.5MQ2 2026−$14.3MQ3 2026
Operating cash flow less capital spending.
Northrim Bancorp: operating cash flow against capital spendingNorthrim Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$35.5M−$1.4MQ4 2024$16.5M$208KQ1 2025−$4.4M$316KQ2 2025$92.5M$2.7MQ3 2025$34.7M$2.2MQ4 2025$27.2M$2.9MQ1 2026$40.1M$583KQ2 2026−$13.8M$560KQ3 2026
Latest (Q3 2026): Operating cash flow −$13.8M, Capital spending $560K.

Capital allocation, year by year

Northrim Bancorp: where the cash came from (up) and went (down), by fiscal yearNorthrim Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $112MFY2021: Net borrowing −$309KFY2021: Shares issued $1.5MFY2021: Capital spending −$2.3MFY2021: Buybacks −$11.5MFY2021: Dividends −$9.4M$114MFY2021FY2022: Operating cash flow $78.1MFY2022: Net borrowing −$413KFY2022: Shares issued $586KFY2022: Capital spending −$3.8MFY2022: Buybacks −$14.2MFY2022: Dividends −$10.6M$78.7MFY2022FY2023: Operating cash flow $38.8MFY2023: Net borrowing −$420KFY2023: Shares issued $555KFY2023: Capital spending −$6.2MFY2023: Buybacks −$9.0MFY2023: Dividends −$13.6M$39.3MFY2023FY2024: Operating cash flow −$8.7MFY2024: Net borrowing −$30.8MFY2024: Shares issued $801KFY2024: Capital spending −$620KFY2024: Acquisitions −$40.7MFY2024: Buybacks −$789KFY2024: Dividends −$13.8M$801KFY2024FY2025: Operating cash flow $139MFY2025: Net borrowing −$10.2MFY2025: Shares issued $609KFY2025: Capital spending −$5.5MFY2025: Acquisitions $144KFY2025: Dividends −$14.5M$140MFY2025
Over these 5 years operating cash flow totalled $359M; the largest uses were dividends ($61.9M) and net borrowing ($42.2M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$242M
Debt$81.5M
Net cash$160M
Due within a year$453K

Northrim Bancorp funds itself: free cash flow was $82.0M over the last twelve months, and $242M of cash and investments stands against $81.5M of debt ($453K due within a year, 533.8× covered by cash).

Northrim Bancorp: debt maturities by year (FY2025)Northrim Bancorp: debt maturities by year (FY2025)$453KYear 1$462KYear 2$474KYear 3$485KYear 4$498KYear 5$10.4MAfter year 5
Principal due in each year as disclosed in the annual report, against $242M of cash and investments now.

Where the cash came from and went

Northrim Bancorp: sources (+) and uses (−) of cash, Q3 2026Northrim Bancorp: sources (+) and uses (−) of cash, Q3 2026Other financing$132MCash drawn (+) / kept (−)−$69.6MOther investing−$44.6MOperating cash flow−$13.8MDividends−$3.8MCapital spending−$560KNet borrowing (+) / repaid (−)−$114K
Northrim Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Northrim Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$242MOther financing$203MOperating cash flow$88.3MCash drawn (+) / kept (−)−$29.1MDividends−$14.8MCapital spending−$6.3MShares issued$885K

From profit to cash

Northrim Bancorp: net income to operating cash flow, Q3 2026Northrim Bancorp: net income to operating cash flow, Q3 2026Net income$14.4MStock-based pay$507KPrepaid and other assets−$16.9MOther liabilities$18.0MOperating cash flow−$13.8M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026−$13.8M−$560K——−$3.8M−$114K—−$69.6M−$14.3M
Q2 2026$40.1M−$583K——−$3.6M−$112K—−$17.3M$39.5M
Q1 2026$27.2M−$2.9M——−$3.6M−$112K$483K−$9.0M$24.3M
Q4 2025$34.7M−$2.2M——−$3.9M—$402K$66.8M$32.5M
Q3 2025$92.5M−$2.7M——−$3.5M−$50.1M$208K−$71.4M$89.7M
Q2 2025−$4.4M−$316K——−$3.5M$49.9M−$1K−$75.8M−$4.7M
Q1 2025$16.5M−$208K$144K—−$3.5M−$9.9M—−$2.8M$16.3M
Q4 2024$35.5M$1.4M−$40.7M−$1K−$3.6M−$728M—$40.1M$37.0M

Northrim Bancorp: income statement and cash flow

Northrim Bancorp, Q3 2026: revenue $69.9M (-9% year over year), operating margin 26.8%. The chart follows the revenue to costs, profit and cash.

Northrim Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.