FIRST FINANCIAL NORTHWEST (FFNW) Stock Fundamental Analysis

NASDAQ:FFNW • US32022K1025

22.56 USD
-0.28 (-1.23%)
At close: Apr 21, 2025
22.9299 USD
+0.37 (+1.64%)
After Hours: 4/21/2025, 8:11:41 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall FFNW gets a fundamental rating of 3 out of 10. We evaluated FFNW against 379 industry peers in the Banks industry. While FFNW seems to be doing ok healthwise, there are quite some concerns on its profitability. FFNW is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year FFNW was profitable.
  • FFNW had a positive operating cash flow in the past year.
  • FFNW had positive earnings in each of the past 5 years.
  • FFNW had a positive operating cash flow in each of the past 5 years.
FFNW Yearly Net Income VS EBIT VS OCF VS FCFFFNW Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

1.2 Ratios

  • The Return On Assets of FFNW (0.08%) is worse than 88.69% of its industry peers.
  • FFNW has a Return On Equity of 0.66%. This is amonst the worse of the industry: FFNW underperforms 88.69% of its industry peers.
Industry RankSector 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
FFNW Yearly ROA, ROE, ROICFFNW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • The Profit Margin of FFNW (2.85%) is worse 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 RankSector 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
FFNW Yearly Profit, Operating, Gross MarginsFFNW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • FFNW does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for FFNW has been increased compared to 1 year ago.
  • FFNW has less shares outstanding than it did 5 years ago.
  • FFNW has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
FFNW Yearly Shares OutstandingFFNW Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
FFNW Yearly Total Debt VS Total AssetsFFNW Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC16.92%
FFNW Yearly LT Debt VS Equity VS FCFFFNW Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FFNW Yearly Current Assets VS Current LiabilitesFFNW Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The earnings per share for FFNW have decreased strongly by -83.82% in the last year.
  • The earnings per share for FFNW have been decreasing by -36.07% on average. This is quite bad
  • Looking at the last year, FFNW shows a very negative growth in Revenue. The Revenue has decreased by -13.31% in the last year.
  • 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

  • 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.
FFNW Yearly Revenue VS EstimatesFFNW Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 10M 20M 30M 40M 50M
FFNW Yearly EPS VS EstimatesFFNW Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 205.09, the valuation of FFNW can be described as expensive.
  • Based on the Price/Earnings ratio, FFNW is valued more expensive than 88.19% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.13. FFNW is valued rather expensively when compared to this.
  • The Price/Forward Earnings ratio is 63.19, which means the current valuation is very expensive for FFNW.
  • 80.65% of the companies in the same industry are cheaper than FFNW, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of FFNW to the average of the S&P500 Index (28.11), we can say FFNW is valued expensively.
Industry RankSector Rank
PE 205.09
Fwd PE 63.19
FFNW Price Earnings VS Forward Price EarningsFFNW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100 150 200

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FFNW indicates a rather expensive valuation: FFNW more expensive than 87.44% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 292.87
EV/EBITDA N/A
FFNW Per share dataFFNW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • FFNW has a Yearly Dividend Yield of 2.30%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.73, FFNW is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.82, FFNW pays a bit more dividend than the S&P500 average.
Industry RankSector 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
FFNW Yearly Dividends per shareFFNW Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • FFNW pays out 222.99% of its income as dividend. This is not a sustainable payout ratio.
DP222.99%
EPS Next 2Y52.26%
EPS Next 3YN/A
FFNW Yearly Income VS Free CF VS DividendFFNW Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
FFNW Dividend Payout.FFNW Dividend Payout, showing the Payout Ratio.FFNW Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

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
Earnings (Next)07-23
Inst Owners50.6%
Inst Owner Change-99.89%
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 RankSector 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 RankSector 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 RankSector 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 RankSector 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.


What is the valuation status of FIRST FINANCIAL NORTHWEST (FFNW) stock?

ChartMill assigns a valuation rating of 2 / 10 to FIRST FINANCIAL NORTHWEST (FFNW). This can be considered as Overvalued.


What is the profitability of FFNW stock?

FIRST FINANCIAL NORTHWEST (FFNW) has a profitability rating of 2 / 10.


What is the valuation of FIRST FINANCIAL NORTHWEST based on its PE and PB ratios?

The Price/Earnings (PE) ratio for FIRST FINANCIAL NORTHWEST (FFNW) is 205.09 and the Price/Book (PB) ratio is 1.29.


What is the earnings growth outlook for FIRST FINANCIAL NORTHWEST?

The Earnings per Share (EPS) of FIRST FINANCIAL NORTHWEST (FFNW) is expected to grow by 224.55% in the next year.