FIRST FINANCIAL NORTHWEST (FFNW) Stock Fundamental Analysis
USA - NASDAQ:FFNW - US32022K1025 - Common Stock
22.56 USD
-0.28 (-1.23%)
22.9299 USD
+0.37 (+1.64%)
FFNW gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. While FFNW seems to be doing ok healthwise, there are quite some concerns on its profitability. FFNW has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year FFNW was profitable.
FFNW had a positive operating cash flow in the past year.
In the past 5 years FFNW has always been profitable.
FFNW had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
FFNW has a worse Return On Assets (0.08%) than 88.69% of its industry peers.
FFNW's Return On Equity of 0.66% is on the low side compared to the rest of the industry. FFNW is outperformed by 88.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.08% | ||
| ROE | 0.66% | ||
| ROIC | N/A |
ROA(3y)0.46%
ROA(5y)0.57%
ROE(3y)4.26%
ROE(5y)5.19%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
FFNW's Profit Margin of 2.85% is on the low side compared to the rest of the industry. FFNW is outperformed by 88.19% of its industry peers.
FFNW's Profit Margin has declined in the last couple of years.
FFNW 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) | 2.85% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-51.48%
PM growth 5Y-34.71%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FFNW does not have a ROIC to compare to the WACC, probably because it is not profitable.
FFNW has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, FFNW has less shares outstanding
There is no outstanding debt for FFNW. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
FFNW has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.92%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FFNW shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -83.82%.
Measured over the past years, FFNW shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -36.07% on average per year.
The Revenue for FFNW has decreased by -13.31% in the past year. This is quite bad
Measured over the past years, FFNW shows a decrease in Revenue. The Revenue has been decreasing by -2.69% on average per year.
EPS 1Y (TTM)-83.82%
EPS 3Y-55.98%
EPS 5Y-36.07%
EPS Q2Q%0%
Revenue 1Y (TTM)-13.31%
Revenue growth 3Y-8.38%
Revenue growth 5Y-2.69%
Sales Q2Q%-9%
3.2 Future
The Earnings Per Share is expected to grow by 52.26% on average over the next years. This is a very strong growth
Based on estimates for the next years, FFNW will show a small growth in Revenue. The Revenue will grow by 1.05% on average per year.
EPS Next Y224.55%
EPS Next 2Y52.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.45%
Revenue Next 2Y1.05%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 205.09, FFNW can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of FFNW indicates a rather expensive valuation: FFNW more expensive than 88.19% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.06. FFNW is valued rather expensively when compared to this.
A Price/Forward Earnings ratio of 63.19 indicates a quite expensive valuation of FFNW.
80.65% of the companies in the same industry are cheaper than FFNW, based on the Price/Forward Earnings ratio.
FFNW is valuated expensively when we compare the Price/Forward Earnings ratio to 32.73, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 205.09 | ||
| Fwd PE | 63.19 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FFNW is valued expensively inside the industry as 87.44% of the companies are valued cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 292.87 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
FFNW's earnings are expected to grow with 52.26% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.91
PEG (5Y)N/A
EPS Next 2Y52.26%
EPS Next 3YN/A
5. Dividend
5.1 Amount
FFNW has a Yearly Dividend Yield of 2.30%.
FFNW's Dividend Yield is slightly below the industry average, which is at 3.38.
FFNW's Dividend Yield is comparable with the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
5.2 History
The dividend of FFNW decreases each year by -4.80%.
FFNW has been paying a dividend for at least 10 years, so it has a reliable track record.
FFNW has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-4.8%
Div Incr Years7
Div Non Decr Years10
5.3 Sustainability
222.99% of the earnings are spent on dividend by FFNW. This is not a sustainable payout ratio.
DP222.99%
EPS Next 2Y52.26%
EPS Next 3YN/A
22.56
-0.28 (-1.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners50.6%
Inst Owner Change-1.35%
Ins Owners4.31%
Ins Owner Change0%
Market Cap208.23M
Revenue(TTM)37.56M
Net Income(TTM)1.07M
Analysts82.5
Price Target23.46 (3.99%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
Yearly Dividend0.26
Dividend Growth(5Y)-4.8%
DP222.99%
Div Incr Years7
Div Non Decr Years10
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-21.57%
Min EPS beat(2)-198.04%
Max EPS beat(2)154.9%
EPS beat(4)2
Avg EPS beat(4)13.01%
Min EPS beat(4)-280.99%
Max EPS beat(4)376.19%
EPS beat(8)3
Avg EPS beat(8)1.09%
EPS beat(12)6
Avg EPS beat(12)5.08%
EPS beat(16)9
Avg EPS beat(16)8.29%
Revenue beat(2)0
Avg Revenue beat(2)-4.54%
Min Revenue beat(2)-5.69%
Max Revenue beat(2)-3.4%
Revenue beat(4)1
Avg Revenue beat(4)-3.69%
Min Revenue beat(4)-5.98%
Max Revenue beat(4)0.29%
Revenue beat(8)1
Avg Revenue beat(8)-4.9%
Revenue beat(12)5
Avg Revenue beat(12)-1.03%
Revenue beat(16)9
Avg Revenue beat(16)1.36%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-13.98%
EPS NY rev (1m)0%
EPS NY rev (3m)32.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.06%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 205.09 | ||
| Fwd PE | 63.19 | ||
| P/S | 5.54 | ||
| P/FCF | 292.87 | ||
| P/OCF | 185.09 | ||
| P/B | 1.29 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.11
EY0.49%
EPS(NY)0.36
Fwd EY1.58%
FCF(TTM)0.08
FCFY0.34%
OCF(TTM)0.12
OCFY0.54%
SpS4.07
BVpS17.5
TBVpS17.38
PEG (NY)0.91
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.08% | ||
| ROE | 0.66% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 2.85% | ||
| GM | N/A | ||
| FCFM | 1.89% |
ROA(3y)0.46%
ROA(5y)0.57%
ROE(3y)4.26%
ROE(5y)5.19%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-51.48%
PM growth 5Y-34.71%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 21.62% | ||
| Cap/Sales | 1.1% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 66.45% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC16.92%
ROIC/WACCN/A
Cap/Depr(3y)29.65%
Cap/Depr(5y)57.51%
Cap/Sales(3y)1.35%
Cap/Sales(5y)2.65%
Profit Quality(3y)109.94%
Profit Quality(5y)115.6%
High Growth Momentum
Growth
EPS 1Y (TTM)-83.82%
EPS 3Y-55.98%
EPS 5Y-36.07%
EPS Q2Q%0%
EPS Next Y224.55%
EPS Next 2Y52.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-13.31%
Revenue growth 3Y-8.38%
Revenue growth 5Y-2.69%
Sales Q2Q%-9%
Revenue Next Year5.45%
Revenue Next 2Y1.05%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-80.59%
FCF growth 3Y-64.88%
FCF growth 5Y-41.18%
OCF growth 1Y-73.03%
OCF growth 3Y-60.63%
OCF growth 5Y-38.78%
FIRST FINANCIAL NORTHWEST / FFNW FAQ
Can you provide the ChartMill fundamental rating for FIRST FINANCIAL NORTHWEST?
ChartMill assigns a fundamental rating of 3 / 10 to FFNW.
Can you provide the valuation status for FIRST FINANCIAL NORTHWEST?
ChartMill assigns a valuation rating of 2 / 10 to FIRST FINANCIAL NORTHWEST (FFNW). This can be considered as Overvalued.
How profitable is FIRST FINANCIAL NORTHWEST (FFNW) stock?
FIRST FINANCIAL NORTHWEST (FFNW) has a profitability rating of 2 / 10.
What are the PE and PB ratios of FIRST FINANCIAL NORTHWEST (FFNW) stock?
The Price/Earnings (PE) ratio for FIRST FINANCIAL NORTHWEST (FFNW) is 205.09 and the Price/Book (PB) ratio is 1.29.
Can you provide the expected EPS growth for FFNW stock?
The Earnings per Share (EPS) of FIRST FINANCIAL NORTHWEST (FFNW) is expected to grow by 224.55% in the next year.