FIRST NORTHWEST BANCORP (FNWB)

US3358341077 - Common Stock

15.78  +0.11 (+0.7%)

Fundamental Rating

3

Overall FNWB gets a fundamental rating of 3 out of 10. We evaluated FNWB against 415 industry peers in the Banks industry. FNWB has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, FNWB is valued expensive at the moment.



2

1. Profitability

1.1 Basic Checks

FNWB had positive earnings in the past year.
FNWB had a positive operating cash flow in the past year.
Each year in the past 5 years FNWB has been profitable.
Of the past 5 years FNWB 4 years had a positive operating cash flow.

1.2 Ratios

FNWB has a Return On Assets of 0.64%. This is in the lower half of the industry: FNWB underperforms 73.25% of its industry peers.
The Return On Equity of FNWB (8.83%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.64%
ROE 8.83%
ROIC N/A
ROA(3y)0.55%
ROA(5y)0.59%
ROE(3y)6.27%
ROE(5y)5.86%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 18.02%, FNWB is doing worse than 75.66% of the companies in the same industry.
In the last couple of years the Profit Margin of FNWB has declined.
The Operating Margin and Gross Margin are not available for FNWB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 18.02%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-40.76%
PM growth 5Y-26.82%
GM growth 3YN/A
GM growth 5YN/A

3

2. Health

2.1 Basic Checks

FNWB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FNWB has been reduced compared to 1 year ago.
The number of shares outstanding for FNWB has been reduced compared to 5 years ago.
The debt/assets ratio for FNWB is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of FNWB is 2.95, which is a good value as it means it would take FNWB, 2.95 years of fcf income to pay off all of its debts.
FNWB has a Debt to FCF ratio (2.95) which is comparable to the rest of the industry.
FNWB has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
FNWB has a Debt to Equity ratio (0.30) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 2.95
Altman-Z N/A
ROIC/WACCN/A
WACC8.14%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

4

3. Growth

3.1 Past

FNWB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.37%.
FNWB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -17.77% yearly.
The Revenue has decreased by -2.54% in the past year.
The Revenue has been growing by 8.91% on average over the past years. This is quite good.
EPS 1Y (TTM)-4.37%
EPS 3Y-37.95%
EPS 5Y-17.77%
EPS growth Q2Q-40.43%
Revenue 1Y (TTM)-2.54%
Revenue growth 3Y3.05%
Revenue growth 5Y8.91%
Revenue growth Q2Q-13.05%

3.2 Future

FNWB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.22% yearly.
Based on estimates for the next years, FNWB will show a small growth in Revenue. The Revenue will grow by 4.46% on average per year.
EPS Next Y-16.98%
EPS Next 2Y14.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.93%
Revenue Next 2Y4.46%
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 decreasing: in the next years the growth will be less than in the last years.

3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.31 indicates a reasonable valuation of FNWB.
The rest of the industry has a similar Price/Earnings ratio as FNWB.
Compared to an average S&P500 Price/Earnings ratio of 26.42, FNWB is valued rather cheaply.
FNWB is valuated rather expensively with a Price/Forward Earnings ratio of 22.10.
Based on the Price/Forward Earnings ratio, FNWB is valued a bit more expensive than 77.35% of the companies in the same industry.
FNWB's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 22.74.
Industry RankSector Rank
PE 10.31
Fwd PE 22.1

4.2 Price Multiples

FNWB's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 9.44
EV/EBITDA N/A

4.3 Compensation for Growth

FNWB's earnings are expected to grow with 14.22% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y14.22%
EPS Next 3YN/A

3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.80%, FNWB has a reasonable but not impressive dividend return.
FNWB's Dividend Yield is slightly below the industry average, which is at 3.70.
Compared to the average S&P500 Dividend Yield of 2.34, FNWB is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.8%

5.2 History

On average, the dividend of FNWB grows each year by 29.14%, which is quite nice.
FNWB has been paying a dividend for over 5 years, so it has already some track record.
The dividend of FNWB decreased recently.
Dividend Growth(5Y)29.14%
Div Incr Years0
Div Non Decr Years1

5.3 Sustainability

FNWB pays out 19.96% of its income as dividend. This is a sustainable payout ratio.
The dividend of FNWB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP19.96%
EPS Next 2Y14.22%
EPS Next 3YN/A

FIRST NORTHWEST BANCORP

NASDAQ:FNWB (3/28/2024, 10:30:52 AM)

15.78

+0.11 (+0.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap151.65M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 1.8%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 10.31
Fwd PE 22.1
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.64%
ROE 8.83%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 18.02%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-4.37%
EPS 3Y-37.95%
EPS 5Y
EPS growth Q2Q
EPS Next Y-16.98%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-2.54%
Revenue growth 3Y3.05%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y