Logo image of FNWB

FIRST NORTHWEST BANCORP (FNWB) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:FNWB - US3358341077 - Common Stock

10.28 USD
+0.29 (+2.9%)
Last: 1/16/2026, 8:18:09 PM
10.28 USD
0 (0%)
After Hours: 1/16/2026, 8:18:09 PM
Fundamental Rating

2

Overall FNWB gets a fundamental rating of 2 out of 10. We evaluated FNWB against 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.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • In the past year FNWB has reported negative net income.
  • FNWB had a negative operating cash flow in the past year.
  • FNWB had positive earnings in 4 of the past 5 years.
  • In the past 5 years FNWB always reported a positive cash flow from operatings.
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 0 5M -5M 10M 15M

1.2 Ratios

  • The Return On Assets of FNWB (-0.35%) is worse than 91.91% of its industry peers.
  • FNWB has a worse Return On Equity (-4.78%) than 92.95% of its industry peers.
Industry RankSector 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
FNWB Yearly ROA, ROE, ROICFNWB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 0 5 -5 10 15 20

More info and screens

2

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.
FNWB Yearly Shares OutstandingFNWB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 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.
  • The Debt to Equity ratio of FNWB (0.32) is worse than 68.93% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC14.1%
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 50M 100M 150M

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 10M 20M 30M 40M 50M

More info and screens

3

3. Growth

3.1 Past

  • The earnings per share for FNWB have decreased strongly by -2000.00% in the last year.
  • Looking at the last year, FNWB shows a very negative growth in Revenue. The Revenue has decreased by -18.40% in the last year.
  • Measured over the past years, FNWB shows a quite strong growth in Revenue. The Revenue has been growing by 8.96% on average per year.
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

  • FNWB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 72.50% yearly.
  • The Revenue is expected to grow by 7.11% on average over the next years.
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

  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

  • FNWB reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • A Price/Forward Earnings ratio of 13.00 indicates a correct valuation of FNWB.
  • Based on the Price/Forward Earnings ratio, FNWB is valued a bit more expensive than 65.80% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.29. FNWB is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 13
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

  • A more expensive valuation may be justified as FNWB's earnings are expected to grow with 72.50% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y106.36%
EPS Next 3Y72.5%

More info and screens

5

5. Dividend

5.1 Amount

  • FNWB has a Yearly Dividend Yield of 2.80%.
  • Compared to an average industry Dividend Yield of 2.86, FNWB has a dividend in line with its industry peers.
  • FNWB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
Industry RankSector 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
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

  • FNWB has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • The dividend of FNWB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-26.72%
EPS Next 2Y106.36%
EPS Next 3Y72.5%
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 0 5M -5M 10M 15M

More info and screens

FIRST NORTHWEST BANCORP

NASDAQ:FNWB (1/16/2026, 8:18:09 PM)

After market: 10.28 0 (0%)

10.28

+0.29 (+2.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-27
Earnings (Next)01-27
Inst Owners47.34%
Inst Owner Change0%
Ins Owners4.47%
Ins Owner Change6.97%
Market Cap97.25M
Revenue(TTM)66.00M
Net Income(TTM)-7.38M
Analysts82.5
Price Target13.01 (26.56%)
Short Float %0.68%
Short Ratio1.41
Dividend
Industry RankSector Rank
Dividend Yield 2.8%
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)0%
PT rev (3m)27.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-14.63%
EPS NY rev (1m)0%
EPS NY rev (3m)-17.72%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.56%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.72%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 13
P/S 1.47
P/FCF N/A
P/OCF N/A
P/B 0.63
P/tB 0.65
EV/EBITDA N/A
EPS(TTM)-0.84
EYN/A
EPS(NY)0.79
Fwd EY7.69%
FCF(TTM)-0.06
FCFYN/A
OCF(TTM)-0.06
OCFYN/A
SpS6.98
BVpS16.33
TBVpS15.89
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)0.19%
ROA(5y)0.39%
ROE(3y)2.23%
ROE(5y)3.98%
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
WACC14.1%
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)-2000%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%139.13%
EPS Next Y-35.51%
EPS Next 2Y106.36%
EPS Next 3Y72.5%
EPS Next 5YN/A
Revenue 1Y (TTM)-18.4%
Revenue growth 3Y-2.31%
Revenue growth 5Y8.96%
Sales Q2Q%4.89%
Revenue Next Year2.49%
Revenue Next 2Y6.49%
Revenue Next 3Y7.11%
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-103.54%
FCF growth 3Y22.68%
FCF growth 5Y4.3%
OCF growth 1Y-103.25%
OCF growth 3Y3.64%
OCF growth 5Y3.66%

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%.