FIRST NORTHWEST BANCORP (FNWB) Stock Fundamental Analysis
USA - NASDAQ:FNWB - US3358341077 - Common Stock
8.87 USD
+0.7 (+8.57%)
FNWB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. FNWB may be in some trouble as it scores bad on both profitability and health. FNWB is quite expensive at the moment. It does show a decent growth rate.
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.
In the past 5 years FNWB always reported a positive cash flow from operatings.
1.2 Ratios
FNWB has a Return On Assets of -0.46%. This is amonst the worse of the industry: FNWB underperforms 94.36% of its industry peers.
FNWB's Return On Equity of -6.79% is on the low side compared to the rest of the industry. FNWB is outperformed by 95.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.46% | ||
| ROE | -6.79% | ||
| 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
The Profit Margin and Operating Margin and Gross Margin are not available for FNWB so they could not be analyzed.
| 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.
FNWB has less shares outstanding than it did 1 year ago.
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
FNWB has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.29, FNWB is doing worse than 68.46% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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%.
The Revenue has been growing slightly by 5.32% in the past 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)5.32%
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 126.46% yearly.
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.
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 8.10 indicates a reasonable valuation of FNWB.
81.28% of the companies in the same industry are more expensive than FNWB, based on the Price/Forward Earnings ratio.
FNWB is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.09, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 8.1 |
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 126.46% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y126.46%
EPS Next 3YN/A
5. Dividend
5.1 Amount
FNWB has a Yearly Dividend Yield of 3.43%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.50, FNWB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.30, FNWB pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.43% |
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
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-25.64%
EPS Next 2Y126.46%
EPS Next 3YN/A
NASDAQ:FNWB (10/27/2025, 8:20:59 PM)
8.87
+0.7 (+8.57%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners50.71%
Inst Owner Change0%
Ins Owners4.34%
Ins Owner Change7.74%
Market Cap83.56M
Revenue(TTM)68.93M
Net Income(TTM)-10167000
Analysts80
Price Target10.2 (14.99%)
Short Float %0.95%
Short Ratio2.66
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.43% |
Yearly Dividend0.28
Dividend Growth(5Y)16.71%
DP-25.64%
Div Incr Years0
Div Non Decr Years6
Ex-Date
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-28.95%
EPS NY rev (1m)0%
EPS NY rev (3m)22.55%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.09%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.83%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 8.1 | ||
| P/S | 1.28 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.56 | ||
| P/tB | 0.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.84
EYN/A
EPS(NY)1.09
Fwd EY12.34%
FCF(TTM)-0.44
FCFYN/A
OCF(TTM)-0.44
OCFYN/A
SpS6.92
BVpS15.9
TBVpS15.44
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.46% | ||
| ROE | -6.79% | ||
| 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-Score3
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| 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-Score3
WACC14%
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-15.11%
EPS Next 2Y126.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.32%
Revenue growth 3Y-2.31%
Revenue growth 5Y8.96%
Sales Q2Q%4.89%
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%
FIRST NORTHWEST BANCORP / FNWB FAQ
Can you provide the ChartMill fundamental rating for FIRST NORTHWEST BANCORP?
ChartMill assigns a fundamental rating of 3 / 10 to FNWB.
What is the valuation status of FIRST NORTHWEST BANCORP (FNWB) stock?
ChartMill assigns a valuation rating of 3 / 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 -25.64%.