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FIRST NORTHWEST BANCORP (FNWB) Stock Fundamental Analysis

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

9.77 USD
+0.17 (+1.77%)
Last: 11/21/2025, 8:00:01 PM
Fundamental Rating

2

Overall FNWB gets a fundamental rating of 2 out of 10. We evaluated FNWB against 388 industry peers in the Banks industry. Both the profitability and financial health of FNWB have multiple concerns. FNWB is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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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.
Of the past 5 years FNWB 4 years were profitable.
Each year in the past 5 years FNWB had a positive operating cash flow.
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 2015 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 92.80% of its industry peers.
The Return On Equity of FNWB (-4.78%) is worse than 93.83% 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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

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2

2. Health

2.1 Basic Checks

FNWB does not have a ROIC to compare to the WACC, probably because it is not profitable.
FNWB has less shares outstanding than it did 1 year ago.
FNWB has less shares outstanding than it did 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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

FNWB has a Debt/Equity ratio of 0.32. This is a healthy value indicating a solid balance between debt and equity.
FNWB's Debt to Equity ratio of 0.32 is on the low side compared to the rest of the industry. FNWB is outperformed by 68.12% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC14.04%
FNWB Yearly LT Debt VS Equity VS FCFFNWB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

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4

3. Growth

3.1 Past

FNWB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -2000.00%.
FNWB shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -18.40%.
The Revenue has been growing by 8.96% on average over the past years. This is quite good.
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 69.15% 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 8.19% yearly.
EPS Next Y-48.63%
EPS Next 2Y102.98%
EPS Next 3Y69.15%
EPS Next 5YN/A
Revenue Next Year3.58%
Revenue Next 2Y7.07%
Revenue Next 3Y8.19%
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
FNWB Yearly Revenue VS EstimatesFNWB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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. Valuation

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 13.17, the valuation of FNWB can be described as correct.
Based on the Price/Forward Earnings ratio, FNWB is valued a bit more expensive than the industry average as 70.44% of the companies are valued more cheaply.
FNWB is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.46, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 13.17
FNWB Price Earnings VS Forward Price EarningsFNWB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20 30

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 69.15% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y102.98%
EPS Next 3Y69.15%

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5

5. Dividend

5.1 Amount

FNWB has a Yearly Dividend Yield of 2.92%. Purely for dividend investing, there may be better candidates out there.
FNWB's Dividend Yield is comparable with the industry average which is at 3.35.
FNWB's Dividend Yield is a higher than the S&P500 average which is at 2.42.
Industry RankSector Rank
Dividend Yield 2.92%

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.
FNWB has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
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 2Y102.98%
EPS Next 3Y69.15%
FNWB Yearly Income VS Free CF VS DividendFNWB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M 10M 15M

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FIRST NORTHWEST BANCORP

NASDAQ:FNWB (11/21/2025, 8:00:01 PM)

9.77

+0.17 (+1.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-27 2025-10-27/bmo
Earnings (Next)01-27 2026-01-27/bmo
Inst Owners50.71%
Inst Owner Change-6.5%
Ins Owners4.34%
Ins Owner Change7.57%
Market Cap92.42M
Revenue(TTM)66.00M
Net Income(TTM)-7.38M
Analysts80
Price Target13.01 (33.16%)
Short Float %0.7%
Short Ratio2.89
Dividend
Industry RankSector Rank
Dividend Yield 2.92%
Yearly Dividend0.28
Dividend Growth(5Y)16.71%
DP-26.72%
Div Incr Years0
Div Non Decr Years6
Ex-Date05-09 2025-05-09 (0.07)
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)27.5%
PT rev (3m)27.5%
EPS NQ rev (1m)-14.63%
EPS NQ rev (3m)-28.57%
EPS NY rev (1m)-29.11%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-2.56%
Revenue NQ rev (3m)-3.65%
Revenue NY rev (1m)-0.67%
Revenue NY rev (3m)-1.34%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 13.17
P/S 1.4
P/FCF N/A
P/OCF N/A
P/B 0.6
P/tB 0.61
EV/EBITDA N/A
EPS(TTM)-0.84
EYN/A
EPS(NY)0.74
Fwd EY7.6%
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
WACC14.04%
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-48.63%
EPS Next 2Y102.98%
EPS Next 3Y69.15%
EPS Next 5YN/A
Revenue 1Y (TTM)-18.4%
Revenue growth 3Y-2.31%
Revenue growth 5Y8.96%
Sales Q2Q%4.89%
Revenue Next Year3.58%
Revenue Next 2Y7.07%
Revenue Next 3Y8.19%
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.


What is the valuation status of FIRST NORTHWEST BANCORP (FNWB) stock?

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.


Can you provide the financial health for FNWB stock?

The financial health rating of FIRST NORTHWEST BANCORP (FNWB) is 2 / 10.


Can you provide the dividend sustainability for FNWB stock?

The dividend rating of FIRST NORTHWEST BANCORP (FNWB) is 5 / 10 and the dividend payout ratio is -26.72%.