FIRST FINANCIAL NORTHWEST (FFNW) Fundamental Analysis & Valuation

NASDAQ:FFNW • US32022K1025

Current stock price

22.56 USD
-0.28 (-1.23%)
At close:
22.9299 USD
+0.37 (+1.64%)
After Hours:

This FFNW fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. FFNW Profitability Analysis

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.
  • Each year in the past 5 years FFNW had a positive operating cash flow.
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 worse Return On Equity (0.66%) than 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

  • Looking at the Profit Margin, with a value of 2.85%, FFNW is doing worse than 88.19% of the companies in the same industry.
  • 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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4

2. FFNW Health Analysis

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.
  • The number of shares outstanding for FFNW has been reduced compared to 5 years ago.
  • 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.
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

  • 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 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. FFNW Growth Analysis

3.1 Past

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

  • 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.
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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2

4. FFNW Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 205.09, FFNW can be considered very expensive at the moment.
  • Based on the Price/Earnings ratio, FFNW is valued expensively inside the industry as 88.19% of the companies are valued cheaper.
  • FFNW is valuated expensively when we compare the Price/Earnings ratio to 26.86, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 63.19, FFNW can be considered very expensive at the moment.
  • FFNW's Price/Forward Earnings ratio is rather expensive when compared to the industry. FFNW is more expensive than 80.65% of the companies in the same industry.
  • FFNW's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 37.39.
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.
  • 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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. FFNW Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.30%, FFNW has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.53, 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 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
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

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FFNW Fundamentals: All Metrics, Ratios and Statistics

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 Change0%
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 Fundamental Analysis 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 for FFNW stock?

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


Can you provide the profitability details for FIRST FINANCIAL NORTHWEST?

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 dividend sustainability for FFNW stock?

The dividend rating of FIRST FINANCIAL NORTHWEST (FFNW) is 3 / 10 and the dividend payout ratio is 222.99%.