FIRST NORTHWEST BANCORP (FNWB)
US3358341077 - Common Stock
Taking everything into account, FNWB scores 3 out of 10 in our fundamental rating. FNWB was compared to 411 industry peers in the Banks industry. FNWB has a bad profitability rating. Also its financial health evaluation is rather negative. FNWB has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
FNWB had positive earnings in the past year.
In the past year FNWB had a positive cash flow from operations.
Each year in the past 5 years FNWB has been profitable.
FNWB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of FNWB (0.10%) is worse than 93.43% of its industry peers.
The Return On Equity of FNWB (1.39%) is worse than 92.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.1% | ||
| ROE | 1.39% | ||
| ROIC | N/A |
ROA(3y)0.55%
ROA(5y)0.59%
ROE(3y)6.26%
ROE(5y)5.86%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of FNWB (3.48%) is worse than 94.16% of its industry peers.
In the last couple of years the Profit Margin of FNWB has declined.
FNWB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 3.48% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-40.86%
PM growth 5Y-26.9%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FNWB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FNWB has been reduced compared to 1 year ago.
The number of shares outstanding for FNWB has been reduced compared to 5 years ago.
Compared to 1 year ago, FNWB has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of FNWB is 2.82, which is a good value as it means it would take FNWB, 2.82 years of fcf income to pay off all of its debts.
FNWB has a Debt to FCF ratio of 2.82. This is comparable to the rest of the industry: FNWB outperforms 48.18% of its industry peers.
FNWB has a Debt/Equity ratio of 0.28. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of FNWB (0.28) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 2.82 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.38%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FNWB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -71.51%.
FNWB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -17.85% yearly.
FNWB shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -18.38%.
The Revenue has been growing by 8.91% on average over the past years. This is quite good.
EPS 1Y (TTM)-71.51%
EPS 3Y-38.05%
EPS 5Y-17.85%
EPS Q2Q%-89.74%
Revenue 1Y (TTM)-18.38%
Revenue growth 3Y3.05%
Revenue growth 5Y8.91%
Sales Q2Q%-13.54%
3.2 Future
The Earnings Per Share is expected to grow by 14.22% on average over the next years. This is quite good.
The Revenue is expected to grow by 4.46% on average over the next years.
EPS Next Y-40.7%
EPS Next 2Y14.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-3.45%
Revenue Next 2Y4.46%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 21.31 indicates a rather expensive valuation of FNWB.
Based on the Price/Earnings ratio, FNWB is valued more expensive than 85.64% of the companies in the same industry.
FNWB is valuated rather cheaply when we compare the Price/Earnings ratio to 28.05, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 9.69 indicates a reasonable valuation of FNWB.
FNWB's Price/Forward Earnings is on the same level as the industry average.
FNWB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.07.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.31 | ||
| Fwd PE | 9.69 |
4.2 Price Multiples
79.32% of the companies in the same industry are more expensive than FNWB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.29 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
FNWB's earnings are expected to grow with 14.22% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y14.22%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.50%, FNWB has a reasonable but not impressive dividend return.
The stock price of FNWB dropped by -30.68% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 3.76, FNWB is paying slightly less dividend.
FNWB's Dividend Yield is comparable with the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.5% |
5.2 History
On average, the dividend of FNWB grows each year by 56.69%, which is quite nice.
FNWB has been paying a dividend for over 5 years, so it has already some track record.
FNWB has decreased its dividend recently.
Dividend Growth(5Y)56.69%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
118.63% of the earnings are spent on dividend by FNWB. This is not a sustainable payout ratio.
FNWB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP118.63%
EPS Next 2Y14.22%
EPS Next 3YN/A
FIRST NORTHWEST BANCORP
NASDAQ:FNWB (5/31/2024, 7:00:00 PM)
10.87
-0.06 (-0.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap102.61M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.5% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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EPS beat(8)
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EPS beat(12)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.31 | ||
| Fwd PE | 9.69 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.1% | ||
| ROE | 1.39% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 3.48% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-71.51%
EPS 3Y-38.05%
EPS 5Y
EPS Q2Q%
EPS Next Y-40.7%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-18.38%
Revenue growth 3Y3.05%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y