FIRST FINANCIAL NORTHWEST(NASDAQ:FFNW) stock Fundamental Analysis

Fundamental Rating

Overall FFNW gets a fundamental rating of 3 out of 10. We evaluated FFNW against 397 industry peers in the Banks industry. While FFNW seems to be doing ok healthwise, 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

FFNW had positive earnings in the past year.

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

With a Return On Assets value of 0.08%, FFNW is not doing good in the industry: 88.69% of the companies in the same industry are doing better.

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'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.

In the last couple of years the Profit Margin of FFNW has declined.

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

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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

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

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

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

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

Based on estimates for the next years, FFNW will show a very strong growth in Earnings Per Share. The EPS will grow by 52.26% on average per year.

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

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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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 expensively inside the industry as 88.19% of the companies are valued cheaper.

When comparing the Price/Earnings ratio of FFNW to the average of the S&P500 Index (24.12), we can say FFNW is valued expensively.

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.

FFNW's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 20.42.

		Industry Rank	Sector Rank
PE	205.09
Fwd PE	63.19

4.2 Price Multiples

87.44% of the companies in the same industry are cheaper than FFNW, based on the Price/Free Cash Flow ratio.

		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%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.49, FFNW is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.44, 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 paid a dividend for at least 10 years, which is 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-1.19%

Ins Owners4.31%

Ins Owner Change-1.46%

Market Cap208.23M

Analysts82.5

Price Target23.46 (3.99%)

Short Float %1.96%

Short Ratio1.78

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