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FIRST NORTHWEST BANCORP (FNWB) Stock Fundamental Analysis

USA - NASDAQ:FNWB - US3358341077 - Common Stock

7.4 USD
+0.08 (+1.09%)
Last: 9/23/2025, 8:00:00 PM
Fundamental Rating

2

Taking everything into account, FNWB scores 2 out of 10 in our fundamental rating. FNWB was compared to 392 industry peers in the Banks industry. Both the profitability and financial health of FNWB have multiple concerns. While showing a medium growth rate, FNWB is valued expensive at the moment.


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.
FNWB had a positive operating cash flow in each 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M 10M 15M

1.2 Ratios

The Return On Assets of FNWB (-0.30%) is worse than 92.86% of its industry peers.
FNWB has a worse Return On Equity (-4.42%) than 93.62% of its industry peers.
Industry RankSector Rank
ROA -0.3%
ROE -4.42%
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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1

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.
Compared to 5 years ago, FNWB has less shares outstanding
Compared to 1 year ago, FNWB has an improved debt to assets ratio.
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

A Debt/Equity ratio of 2.30 is on the high side and indicates that FNWB has dependencies on debt financing.
The Debt to Equity ratio of FNWB (2.30) is worse than 89.80% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.3
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC13.96%
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 -346.81%.
FNWB shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -38.47%.
The Revenue has been growing by 8.96% on average over the past years. This is quite good.
EPS 1Y (TTM)-346.81%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%162.5%
Revenue 1Y (TTM)-38.47%
Revenue growth 3Y-2.31%
Revenue growth 5Y8.96%
Sales Q2Q%-24.24%

3.2 Future

The Earnings Per Share is expected to grow by 126.46% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 7.94% on average over the next years.
EPS Next Y-15.11%
EPS Next 2Y126.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.28%
Revenue Next 2Y7.94%
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 stable.
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 20M 40M 60M 80M
FNWB Yearly EPS VS EstimatesFNWB Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 0 0.5 -0.5 1 1.5

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3

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 6.76, the valuation of FNWB can be described as very cheap.
92.35% of the companies in the same industry are more expensive than FNWB, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of FNWB to the average of the S&P500 Index (22.87), we can say FNWB is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 6.76
FNWB Price Earnings VS Forward Price EarningsFNWB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 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 126.46% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y126.46%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

FNWB has a Yearly Dividend Yield of 3.84%.
FNWB's Dividend Yield is a higher than the industry average which is at 3.47.
Compared to an average S&P500 Dividend Yield of 2.38, FNWB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.84%

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.
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

The earnings of FNWB are negative and hence is the payout ratio. FNWB will probably not be able to sustain this dividend level.
The dividend of FNWB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-39.4%
EPS Next 2Y126.46%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M 10M 15M

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FIRST NORTHWEST BANCORP

NASDAQ:FNWB (9/23/2025, 8:00:00 PM)

7.4

+0.08 (+1.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/bmo
Earnings (Next)10-27 2025-10-27
Inst Owners50.71%
Inst Owner Change2.02%
Ins Owners4.34%
Ins Owner Change2.43%
Market Cap69.71M
Analysts80
Price Target10.2 (37.84%)
Short Float %0.75%
Short Ratio2.15
Dividend
Industry RankSector Rank
Dividend Yield 3.84%
Yearly Dividend0.28
Dividend Growth(5Y)16.71%
DP-39.4%
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)-271.67%
Min EPS beat(2)-876.77%
Max EPS beat(2)333.44%
EPS beat(4)1
Avg EPS beat(4)-362.87%
Min EPS beat(4)-876.77%
Max EPS beat(4)333.44%
EPS beat(8)2
Avg EPS beat(8)-191.64%
EPS beat(12)5
Avg EPS beat(12)-126.82%
EPS beat(16)7
Avg EPS beat(16)-89.01%
Revenue beat(2)1
Avg Revenue beat(2)0.55%
Min Revenue beat(2)-3.94%
Max Revenue beat(2)5.04%
Revenue beat(4)1
Avg Revenue beat(4)-4.27%
Min Revenue beat(4)-10.47%
Max Revenue beat(4)5.04%
Revenue beat(8)2
Avg Revenue beat(8)-7.18%
Revenue beat(12)3
Avg Revenue beat(12)-6.03%
Revenue beat(16)5
Avg Revenue beat(16)-3.66%
PT rev (1m)0%
PT rev (3m)-16.67%
EPS NQ rev (1m)-20.59%
EPS NQ rev (3m)-28.95%
EPS NY rev (1m)25.47%
EPS NY rev (3m)-155.24%
Revenue NQ rev (1m)-0.29%
Revenue NQ rev (3m)-3.09%
Revenue NY rev (1m)-0.67%
Revenue NY rev (3m)-2.76%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 6.76
P/S 1.37
P/FCF N/A
P/OCF N/A
P/B 0.47
P/tB 0.48
EV/EBITDA N/A
EPS(TTM)-1.16
EYN/A
EPS(NY)1.09
Fwd EY14.8%
FCF(TTM)-0.44
FCFYN/A
OCF(TTM)-0.44
OCFYN/A
SpS5.42
BVpS15.9
TBVpS15.44
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.3%
ROE -4.42%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score2
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 2.3
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-Score2
WACC13.96%
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)-346.81%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%162.5%
EPS Next Y-15.11%
EPS Next 2Y126.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-38.47%
Revenue growth 3Y-2.31%
Revenue growth 5Y8.96%
Sales Q2Q%-24.24%
Revenue Next Year4.28%
Revenue Next 2Y7.94%
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-118.04%
FCF growth 3Y22.68%
FCF growth 5Y4.3%
OCF growth 1Y-117.06%
OCF growth 3Y3.64%
OCF growth 5Y3.66%