FFNW Fundamental Analysis - FIRST FINANCIAL NORTHWEST

Fundamental Rating

Overall FFNW gets a fundamental rating of 3 out of 10. We evaluated FFNW against 395 industry peers in the Banks industry. FFNW scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. FFNW does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

FFNW had positive earnings in the past year.

In the past year FFNW had a positive cash flow from operations.

Each year in the past 5 years FFNW has been profitable.

Each year in the past 5 years FFNW had a positive operating cash flow.

1.2 Ratios

FFNW has a worse Return On Assets (0.08%) than 88.69% of its industry peers.

Looking at the Return On Equity, with a value of 0.66%, FFNW is doing worse than 88.69% of the companies in the same industry.

		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 has a worse Profit Margin (2.85%) than 88.19% of its industry peers.

FFNW's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for FFNW so they could not be analyzed.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FFNW does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, FFNW has more shares outstanding

Compared to 5 years ago, FFNW has less shares outstanding

FFNW has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

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.

		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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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

FFNW shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.69% yearly.

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

FFNW is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 52.26% yearly.

The Revenue is expected to grow by 1.05% on average over the next years.

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

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 accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 205.09 indicates a quite expensive valuation of FFNW.

Based on the Price/Earnings ratio, FFNW is valued more expensive than 88.19% of the companies in the same industry.

FFNW is valuated expensively when we compare the Price/Earnings ratio to 26.35, which is the current average of the S&P500 Index.

Based on the Price/Forward Earnings ratio of 63.19, the valuation of FFNW can be described as expensive.

Based on the Price/Forward Earnings ratio, FFNW is valued more expensive than 80.65% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, FFNW is valued quite expensively.

		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 more expensive than 87.44% of the companies in the same industry.

		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.

A more expensive valuation may be justified as FFNW's earnings are expected to grow with 52.26% in the coming years.

PEG (NY)0.91

PEG (5Y)N/A

EPS Next 2Y52.26%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

FFNW has a Yearly Dividend Yield of 2.30%.

Compared to an average industry Dividend Yield of 3.46, FFNW is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.40, FFNW has a dividend comparable with the average S&P500 company.

		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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

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

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FIRST FINANCIAL NORTHWEST

NASDAQ:FFNW (4/21/2025, 8:11:41 PM)

After market: 22.9299 +0.37 (+1.64%)

22.56

-0.28 (-1.23%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-24 2025-04-24/bmo

Earnings (Next)07-23 2025-07-23/bmo

Inst Owners50.6%

Inst Owner Change-3.12%

Ins Owners4.31%

Ins Owner Change-1.46%

Market Cap208.23M

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

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

ROICexcg growth 3YN/A

ROICexcg 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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens