FIRST NORTHWEST BANCORP (FNWB) Fundamental Analysis & Valuation

NASDAQ:FNWB • US3358341077

Current stock price

10.195 USD
-0.05 (-0.54%)
Last:

This FNWB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. FNWB Profitability Analysis

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.
  • In multiple years FNWB reported negative net income over the last 5 years.
  • FNWB had a positive operating cash flow in 4 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5M -5M 10M 15M

1.2 Ratios

  • With a Return On Assets value of -0.20%, FNWB is not doing good in the industry: 93.09% of the companies in the same industry are doing better.
  • FNWB's Return On Equity of -2.66% is on the low side compared to the rest of the industry. FNWB is outperformed by 93.62% of its industry peers.
Industry RankSector Rank
ROA -0.2%
ROE -2.66%
ROIC N/A
ROA(3y)-0.13%
ROA(5y)0.23%
ROE(3y)-1.86%
ROE(5y)2.37%
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 2025 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 2025 0 5 -5 10 15 20

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1

2. FNWB Health Analysis

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 increased compared to 1 year ago.
  • Compared to 5 years ago, FNWB has less shares outstanding
  • FNWB has a worse debt/assets ratio than last year.
FNWB Yearly Shares OutstandingFNWB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 500M 1B 1.5B 2B

2.2 Solvency

  • FNWB has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of FNWB (0.31) is worse than 68.35% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC13.45%
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 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. FNWB Growth Analysis

3.1 Past

  • The earnings per share for FNWB have decreased strongly by -37.14% in the last year.
  • Looking at the last year, FNWB shows a very negative growth in Revenue. The Revenue has decreased by -18.94% in the last year.
  • FNWB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.88% yearly.
EPS 1Y (TTM)-37.14%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%112.5%
Revenue 1Y (TTM)-18.94%
Revenue growth 3Y-4.91%
Revenue growth 5Y2.88%
Sales Q2Q%-6.78%

3.2 Future

  • FNWB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 101.89% yearly.
  • The Revenue is expected to grow by 8.25% on average over the next years. This is quite good.
EPS Next Y200.94%
EPS Next 2Y101.89%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.6%
Revenue Next 2Y8.25%
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 accelerating.
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

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2

4. FNWB Valuation Analysis

4.1 Price/Earnings Ratio

  • FNWB reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • The Price/Forward Earnings ratio is 21.04, which indicates a rather expensive current valuation of FNWB.
  • Based on the Price/Forward Earnings ratio, FNWB is valued more expensive than 80.32% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.62, FNWB is valued at the same level.
Industry RankSector Rank
PE N/A
Fwd PE 21.04
FNWB Price Earnings VS Forward Price EarningsFNWB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20 -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

  • FNWB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as FNWB's earnings are expected to grow with 101.89% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y101.89%
EPS Next 3YN/A

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3

5. FNWB Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.82%, FNWB has a reasonable but not impressive dividend return.
  • FNWB's Dividend Yield is comparable with the industry average which is at 2.57.
  • Compared to an average S&P500 Dividend Yield of 1.81, FNWB pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.82%

5.2 History

  • The dividend of FNWB decreases each year by -7.74%.
  • FNWB has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)-7.74%
Div Incr Years0
Div Non Decr Years0
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.
DP-31.45%
EPS Next 2Y101.89%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5M -5M 10M 15M

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FNWB Fundamentals: All Metrics, Ratios and Statistics

FIRST NORTHWEST BANCORP

NASDAQ:FNWB (4/23/2026, 2:40:51 PM)

10.195

-0.05 (-0.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-29
Inst Owners44.2%
Inst Owner Change0%
Ins Owners4.46%
Ins Owner Change4.37%
Market Cap96.85M
Revenue(TTM)68.94M
Net Income(TTM)-4.19M
Analysts82.5
Price Target13.52 (32.61%)
Short Float %0.53%
Short Ratio1.01
Dividend
Industry RankSector Rank
Dividend Yield 2.82%
Yearly Dividend0.14
Dividend Growth(5Y)-7.74%
DP-31.45%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-56.12%
Min EPS beat(2)-77.59%
Max EPS beat(2)-34.64%
EPS beat(4)1
Avg EPS beat(4)-163.89%
Min EPS beat(4)-876.77%
Max EPS beat(4)333.44%
EPS beat(8)2
Avg EPS beat(8)-192.43%
EPS beat(12)3
Avg EPS beat(12)-139.01%
EPS beat(16)5
Avg EPS beat(16)-105.63%
Revenue beat(2)0
Avg Revenue beat(2)-11.78%
Min Revenue beat(2)-17.74%
Max Revenue beat(2)-5.82%
Revenue beat(4)1
Avg Revenue beat(4)-5.62%
Min Revenue beat(4)-17.74%
Max Revenue beat(4)5.04%
Revenue beat(8)2
Avg Revenue beat(8)-2.63%
Revenue beat(12)2
Avg Revenue beat(12)-7.78%
Revenue beat(16)3
Avg Revenue beat(16)-6.87%
PT rev (1m)0%
PT rev (3m)3.92%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-73.08%
EPS NY rev (1m)0%
EPS NY rev (3m)-38.71%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.04%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.75%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 21.04
P/S 1.4
P/FCF N/A
P/OCF N/A
P/B 0.62
P/tB 0.63
EV/EBITDA N/A
EPS(TTM)-0.48
EYN/A
EPS(NY)0.48
Fwd EY4.75%
FCF(TTM)-0.29
FCFYN/A
OCF(TTM)-0.29
OCFYN/A
SpS7.26
BVpS16.55
TBVpS16.13
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -0.2%
ROE -2.66%
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)-0.13%
ROA(5y)0.23%
ROE(3y)-1.86%
ROE(5y)2.37%
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.31
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-Score5
WACC13.45%
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)-37.14%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%112.5%
EPS Next Y200.94%
EPS Next 2Y101.89%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-18.94%
Revenue growth 3Y-4.91%
Revenue growth 5Y2.88%
Sales Q2Q%-6.78%
Revenue Next Year7.6%
Revenue Next 2Y8.25%
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-116.34%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-116.34%
OCF growth 3YN/A
OCF growth 5YN/A

FIRST NORTHWEST BANCORP / FNWB Fundamental Analysis 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.


Can you provide the profitability details for FIRST NORTHWEST BANCORP?

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 1 / 10.


What is the earnings growth outlook for FIRST NORTHWEST BANCORP?

The Earnings per Share (EPS) of FIRST NORTHWEST BANCORP (FNWB) is expected to grow by 200.94% in the next year.