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Northrim Bancorp vs Ponce Financial Group: NRIM and PDLB compared
Northrim Bancorp is the larger company: $69.9M of revenue in its latest quarter (Q3 2026) against $34.8M for Ponce Financial Group (Q3 2026). Ponce Financial Group is growing faster (+30% against -9% a year earlier). Ponce Financial Group is more profitable, with an operating margin of 35.5% against 26.8%.
Where the money goes: NRIM and PDLB
Northrim Bancorp (NRIM) · Q3 2026
Northrim Bancorp, Q3 2026: revenue $69.9M (-9% year over year), operating margin 26.8%, net earnings $14.4M, operating cash flow −$13.8M. The chart follows the revenue to costs, profit and cash.
Ponce Financial Group (PDLB) · Q3 2026
Ponce Financial Group, Q3 2026: revenue $34.8M (+30% year over year), operating margin 35.5%, net earnings $18.2M, operating cash flow $13.4M. The chart follows the revenue to costs, profit and cash.
| Northrim Bancorp (NRIM) | Ponce Financial Group (PDLB) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $69.9M | $34.8M |
| Revenue growth, Y/Y | -9% | +30% |
| Gross margin | 74.3% | — |
| Operating margin | 26.8% | 35.5% |
| Net earnings | $14.4M | $18.2M |
| Net margin | 20.6% | 52.4% |
| Operating cash flow | −$13.8M | $13.4M |
| Free cash flow | — | $13.4M |
| Market value | $547M | — |
| P/E | 9.8× | — |
| Analysts’ mean target | $28.33 | — |
Where the revenue comes from
Northrim Bancorp
- Community Banking: $49.2M (70%)
- Home Mortgage Lending: $13.3M (19%)
- Specialty Finance: $7.4M (11%)
Ponce Financial Group
- Net interest income: $34.0M (98%)
- Noninterest income: $850K (2%)
Questions
Which is bigger, Northrim Bancorp or Ponce Financial Group?
Northrim Bancorp is the larger company: $69.9M of revenue in its latest quarter (Q3 2026) against $34.8M for Ponce Financial Group (Q3 2026).
Is Northrim Bancorp or Ponce Financial Group growing faster?
Ponce Financial Group is growing faster (+30% against -9% a year earlier).
Which is more profitable, Northrim Bancorp or Ponce Financial Group?
Ponce Financial Group is more profitable, with an operating margin of 35.5% against 26.8%.
More: Northrim Bancorp earnings · how Northrim Bancorp makes money · Ponce Financial Group earnings · how Ponce Financial Group makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Oct 30, 2026; 10-Q filed Nov 4, 2026). Fiscal quarters can end on different dates. Not investment advice.