FFNW Fundamental Analysis - FIRST FINANCIAL NORTHWEST

Fundamental Rating

Taking everything into account, FFNW scores 3 out of 10 in our fundamental rating. FFNW was compared to 394 industry peers in the Banks industry. The financial health of FFNW is average, but there are quite some concerns on its profitability. FFNW does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

In the past year FFNW was profitable.

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

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

FFNW had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.08%, FFNW is doing worse than 88.69% of the companies in the same industry.

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 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.

The number of shares outstanding for FFNW has been increased compared to 1 year ago.

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

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

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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

The earnings per share for FFNW have decreased strongly by -83.82% in the last year.

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.

FFNW shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -13.31%.

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

The Earnings Per Share is expected to grow by 52.26% on average over the next years. This is a very strong growth

FFNW is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.05% yearly.

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.

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

The Price/Earnings ratio is 205.09, which means the current valuation is very expensive for FFNW.

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

FFNW's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.87.

A Price/Forward Earnings ratio of 63.19 indicates a quite expensive valuation of FFNW.

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

The average S&P500 Price/Forward Earnings ratio is at 35.34. FFNW is valued rather expensively when compared to this.

		Industry Rank	Sector Rank
PE	205.09
Fwd PE	63.19

4.2 Price Multiples

FFNW's Price/Free Cash Flow ratio is rather expensive when compared to the industry. FFNW is 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

FFNW's 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

With a Yearly Dividend Yield of 2.30%, FFNW has a reasonable but not impressive dividend return.

FFNW's Dividend Yield is slightly below the industry average, which is at 3.43.

FFNW's Dividend Yield is comparable with the S&P500 average which is at 2.36.

		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-68.27%

Ins Owners4.31%

Ins Owner Change-1.49%

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

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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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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