FIRST NORTHWEST BANCORP (FNWB) Fundamental Analysis & Valuation

NASDAQ:FNWB • US3358341077

Current stock price

8.58 USD
-0.13 (-1.49%)
Last:

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

1

1. FNWB Profitability Analysis

1.1 Basic Checks

  • FNWB had negative earnings in the past year.
  • In the past year FNWB has reported a negative cash flow from operations.
  • In multiple years FNWB reported negative net income over the last 5 years.
  • FNWB had a positive operating cash flow in 4 of the past 5 years.
FNWB Yearly Net Income VS EBIT VS OCF VS FCFFNWB 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 2025 0 5M -5M 10M 15M

1.2 Ratios

  • The Return On Assets of FNWB (-0.35%) is worse than 93.16% of its industry peers.
  • FNWB has a worse Return On Equity (-4.78%) than 93.95% of its industry peers.
Industry RankSector Rank
ROA -0.35%
ROE -4.78%
ROIC N/A
ROA(3y)-0.13%
ROA(5y)0.23%
ROE(3y)-1.86%
ROE(5y)2.37%
ROIC(3y)N/A
ROIC(5y)N/A
FNWB Yearly ROA, ROE, ROICFNWB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2 -2 4 -4 6 8

1.3 Margins

  • The Profit Margin and Operating Margin and Gross Margin are not available for FNWB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
FNWB Yearly Profit, Operating, Gross MarginsFNWB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 15 20

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1

2. FNWB Health Analysis

2.1 Basic Checks

  • FNWB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • FNWB has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for FNWB has been reduced compared to 5 years ago.
  • Compared to 1 year ago, FNWB has a worse debt to assets ratio.
FNWB Yearly Shares OutstandingFNWB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M
FNWB Yearly Total Debt VS Total AssetsFNWB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • A Debt/Equity ratio of 0.32 indicates that FNWB is not too dependend on debt financing.
  • FNWB has a worse Debt to Equity ratio (0.32) than 68.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC14.05%
FNWB Yearly LT Debt VS Equity VS FCFFNWB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FNWB Yearly Current Assets VS Current LiabilitesFNWB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

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

4

3. FNWB Growth Analysis

3.1 Past

  • FNWB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -37.14%.
  • Looking at the last year, FNWB shows a very negative growth in Revenue. The Revenue has decreased by -18.94% in the last year.
  • FNWB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.88% yearly.
EPS 1Y (TTM)-37.14%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%112.5%
Revenue 1Y (TTM)-18.94%
Revenue growth 3Y-4.91%
Revenue growth 5Y2.88%
Sales Q2Q%-6.78%

3.2 Future

  • The Earnings Per Share is expected to grow by 101.89% on average over the next years. This is a very strong growth
  • FNWB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.25% yearly.
EPS Next Y200.94%
EPS Next 2Y101.89%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.6%
Revenue Next 2Y8.25%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • 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.
FNWB Yearly Revenue VS EstimatesFNWB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M
FNWB Yearly EPS VS EstimatesFNWB Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 0.5 -0.5 1 1.5

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2

4. FNWB Valuation Analysis

4.1 Price/Earnings Ratio

  • FNWB reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • Based on the Price/Forward Earnings ratio of 17.71, the valuation of FNWB can be described as rather expensive.
  • Based on the Price/Forward Earnings ratio, FNWB is valued a bit more expensive than 77.63% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.79, FNWB is valued a bit cheaper.
Industry RankSector Rank
PE N/A
Fwd PE 17.71
FNWB Price Earnings VS Forward Price EarningsFNWB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
FNWB Per share dataFNWB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 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 FNWB's earnings are expected to grow with 101.89% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y101.89%
EPS Next 3YN/A

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6

5. FNWB Dividend Analysis

5.1 Amount

  • FNWB has a Yearly Dividend Yield of 3.26%. Purely for dividend investing, there may be better candidates out there.
  • FNWB's Dividend Yield is a higher than the industry average which is at 2.78.
  • Compared to an average S&P500 Dividend Yield of 1.89, FNWB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.26%

5.2 History

  • The dividend of FNWB is nicely growing with an annual growth rate of 16.71%!
  • FNWB has been paying a dividend for over 5 years, so it has already some track record.
  • As FNWB did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)16.71%
Div Incr Years0
Div Non Decr Years6
FNWB Yearly Dividends per shareFNWB Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

  • The earnings of FNWB are negative and hence is the payout ratio. FNWB will probably not be able to sustain this dividend level.
  • FNWB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-26.72%
EPS Next 2Y101.89%
EPS Next 3YN/A
FNWB Yearly Income VS Free CF VS DividendFNWB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5M -5M 10M 15M

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FNWB Fundamentals: All Metrics, Ratios and Statistics

FIRST NORTHWEST BANCORP

NASDAQ:FNWB (3/25/2026, 8:00:01 PM)

8.58

-0.13 (-1.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners44.24%
Inst Owner Change-4.23%
Ins Owners4.13%
Ins Owner Change9.58%
Market Cap81.08M
Revenue(TTM)68.94M
Net Income(TTM)-7.38M
Analysts82.5
Price Target13.52 (57.58%)
Short Float %0.61%
Short Ratio1.27
Dividend
Industry RankSector Rank
Dividend Yield 3.26%
Yearly Dividend0.28
Dividend Growth(5Y)16.71%
DP-26.72%
Div Incr Years0
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)149.4%
Min EPS beat(2)-34.64%
Max EPS beat(2)333.44%
EPS beat(4)1
Avg EPS beat(4)-290.16%
Min EPS beat(4)-876.77%
Max EPS beat(4)333.44%
EPS beat(8)2
Avg EPS beat(8)-195.86%
EPS beat(12)4
Avg EPS beat(12)-130.41%
EPS beat(16)6
Avg EPS beat(16)-95.96%
Revenue beat(2)0
Avg Revenue beat(2)-4.88%
Min Revenue beat(2)-5.82%
Max Revenue beat(2)-3.94%
Revenue beat(4)1
Avg Revenue beat(4)-3.11%
Min Revenue beat(4)-7.72%
Max Revenue beat(4)5.04%
Revenue beat(8)2
Avg Revenue beat(8)-5.07%
Revenue beat(12)3
Avg Revenue beat(12)-6.1%
Revenue beat(16)4
Avg Revenue beat(16)-5.02%
PT rev (1m)3.92%
PT rev (3m)3.92%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-38.71%
EPS NY rev (3m)-38.71%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-2.75%
Revenue NY rev (3m)-2.75%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 17.71
P/S 1.23
P/FCF N/A
P/OCF N/A
P/B 0.52
P/tB 0.54
EV/EBITDA N/A
EPS(TTM)-0.48
EYN/A
EPS(NY)0.48
Fwd EY5.65%
FCF(TTM)-0.06
FCFYN/A
OCF(TTM)-0.06
OCFYN/A
SpS6.98
BVpS16.35
TBVpS15.91
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.35%
ROE -4.78%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-0.13%
ROA(5y)0.23%
ROE(3y)-1.86%
ROE(5y)2.37%
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 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC14.05%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-37.14%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%112.5%
EPS Next Y200.94%
EPS Next 2Y101.89%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-18.94%
Revenue growth 3Y-4.91%
Revenue growth 5Y2.88%
Sales Q2Q%-6.78%
Revenue Next Year7.6%
Revenue Next 2Y8.25%
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-108.78%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-108.15%
OCF growth 3YN/A
OCF growth 5YN/A

FIRST NORTHWEST BANCORP / FNWB Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for FIRST NORTHWEST BANCORP?

ChartMill assigns a fundamental rating of 2 / 10 to FNWB.


Can you provide the valuation status for FIRST NORTHWEST BANCORP?

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


How profitable is FIRST NORTHWEST BANCORP (FNWB) stock?

FIRST NORTHWEST BANCORP (FNWB) has a profitability rating of 1 / 10.


What is the financial health of FIRST NORTHWEST BANCORP (FNWB) stock?

The financial health rating of FIRST NORTHWEST BANCORP (FNWB) is 1 / 10.


How sustainable is the dividend of FIRST NORTHWEST BANCORP (FNWB) stock?

The dividend rating of FIRST NORTHWEST BANCORP (FNWB) is 6 / 10 and the dividend payout ratio is -26.72%.