10.895 USD
-0.04 (-0.41%)
Taking everything into account, FNWB scores 2 out of 10 in our fundamental rating. FNWB was compared to 383 industry peers in the Banks industry. FNWB has a bad profitability rating. Also its financial health evaluation is rather negative. FNWB is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- FNWB had negative earnings in the past year.
- FNWB had a negative operating cash flow in the past year.
- FNWB had positive earnings in 4 of the past 5 years.
- Each year in the past 5 years FNWB had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of FNWB (-0.35%) is worse than 91.91% of its industry peers.
- FNWB's Return On Equity of -4.78% is on the low side compared to the rest of the industry. FNWB is outperformed by 92.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.35% | ||
| ROE | -4.78% | ||
| ROIC | N/A |
ROA(3y)0.19%
ROA(5y)0.39%
ROE(3y)2.23%
ROE(5y)3.98%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- FNWB does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- FNWB does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, FNWB has less shares outstanding
- The number of shares outstanding for FNWB has been reduced compared to 5 years ago.
- The debt/assets ratio for FNWB has been reduced compared to a year ago.
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 68.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for FNWB have decreased strongly by -2000.00% in the last year.
- The Revenue for FNWB has decreased by -18.40% in the past year. This is quite bad
- FNWB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.96% yearly.
EPS 1Y (TTM)-2000%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%139.13%
Revenue 1Y (TTM)-18.4%
Revenue growth 3Y-2.31%
Revenue growth 5Y8.96%
Sales Q2Q%4.89%
3.2 Future
- The Earnings Per Share is expected to grow by 72.50% on average over the next years. This is a very strong growth
- FNWB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.11% yearly.
EPS Next Y-35.51%
EPS Next 2Y106.36%
EPS Next 3Y72.5%
EPS Next 5YN/A
Revenue Next Year2.49%
Revenue Next 2Y6.49%
Revenue Next 3Y7.11%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings Ratio is negative for FNWB. In the last year negative earnings were reported.
- With a Price/Forward Earnings ratio of 13.78, FNWB is valued correctly.
- Based on the Price/Forward Earnings ratio, FNWB is valued a bit more expensive than the industry average as 68.93% of the companies are valued more cheaply.
- FNWB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.32, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 13.78 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- FNWB's earnings are expected to grow with 72.50% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y106.36%
EPS Next 3Y72.5%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.80%, FNWB has a reasonable but not impressive dividend return.
- FNWB's Dividend Yield is comparable with the industry average which is at 2.84.
- Compared to an average S&P500 Dividend Yield of 1.82, FNWB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.8% |
5.2 History
- On average, the dividend of FNWB grows each year by 16.71%, which is quite nice.
- 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
5.3 Sustainability
- FNWB has negative earnings and hence a negative payout ratio. The dividend may be in danger.
- FNWB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-26.72%
EPS Next 2Y106.36%
EPS Next 3Y72.5%
FIRST NORTHWEST BANCORP / FNWB 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 2 / 10.
How sustainable is the dividend of FIRST NORTHWEST BANCORP (FNWB) stock?
The dividend rating of FIRST NORTHWEST BANCORP (FNWB) is 5 / 10 and the dividend payout ratio is -26.72%.