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FIRST NORTHWEST BANCORP (FNWB) Stock Fundamental Analysis

NASDAQ:FNWB - Nasdaq - US3358341077 - Common Stock - Currency: USD

8.46  +0.01 (+0.12%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to FNWB. FNWB was compared to 396 industry peers in the Banks industry. FNWB may be in some trouble as it scores bad on both profitability and health. FNWB has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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1

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.
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

FNWB's Return On Assets of -0.72% is on the low side compared to the rest of the industry. FNWB is outperformed by 96.46% of its industry peers.
FNWB has a worse Return On Equity (-10.69%) than 96.97% of its industry peers.
Industry RankSector Rank
ROA -0.72%
ROE -10.69%
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

FNWB does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
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.
The number of shares outstanding for FNWB has been reduced compared to 1 year ago.
The number of shares outstanding for FNWB has been reduced compared to 5 years ago.
FNWB has a better debt/assets ratio than last year.
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 to FCF ratio of 1177.28. This is a negative value and a sign of low solvency as FNWB would need 1177.28 years to pay back of all of its debts.
The Debt to FCF ratio of FNWB (1177.28) is worse than 88.64% of its industry peers.
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 71.46% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 1177.28
Altman-Z N/A
ROIC/WACCN/A
WACC14.08%
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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5

3. Growth

3.1 Past

The earnings per share for FNWB have decreased strongly by -378.43% in the last year.
Looking at the last year, FNWB shows a very strong growth in Revenue. The Revenue has grown by 37.56%.
FNWB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.96% yearly.
EPS 1Y (TTM)-378.43%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-2675%
Revenue 1Y (TTM)37.56%
Revenue growth 3Y-2.31%
Revenue growth 5Y8.96%
Sales Q2Q%9.36%

3.2 Future

FNWB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 131.33% yearly.
The Revenue is expected to grow by 10.19% on average over the next years. This is quite good.
EPS Next Y308.37%
EPS Next 2Y131.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.24%
Revenue Next 2Y10.19%
Revenue Next 3YN/A
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 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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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for FNWB. In the last year negative earnings were reported.
A Price/Forward Earnings ratio of 7.21 indicates a rather cheap valuation of FNWB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FNWB indicates a rather cheap valuation: FNWB is cheaper than 84.85% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.25. FNWB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 7.21
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FNWB indicates a rather expensive valuation: FNWB more expensive than 87.37% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 1996.56
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

The 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 131.33% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y131.33%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

FNWB has a Yearly Dividend Yield of 3.31%.
FNWB's Dividend Yield is comparable with the industry average which is at 3.50.
FNWB's Dividend Yield is a higher than the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 3.31%

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

The earnings of FNWB are negative and hence is the payout ratio. FNWB will probably not be able to sustain this dividend level.
FNWB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-16.76%
EPS Next 2Y131.33%
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 (6/6/2025, 8:00:00 PM)

8.46

+0.01 (+0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/bmo
Earnings (Next)07-23 2025-07-23
Inst Owners48.63%
Inst Owner Change-2.03%
Ins Owners5.46%
Ins Owner Change6.84%
Market Cap79.86M
Analysts80
Price Target12.24 (44.68%)
Short Float %0.19%
Short Ratio1.1
Dividend
Industry RankSector Rank
Dividend Yield 3.31%
Yearly Dividend0.28
Dividend Growth(5Y)16.71%
DP-16.76%
Div Incr Years0
Div Non Decr Years6
Ex-Date05-09 2025-05-09 (0.07)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-729.71%
Min EPS beat(2)-876.77%
Max EPS beat(2)-582.65%
EPS beat(4)1
Avg EPS beat(4)-423.4%
Min EPS beat(4)-876.77%
Max EPS beat(4)91.3%
EPS beat(8)1
Avg EPS beat(8)-236.41%
EPS beat(12)4
Avg EPS beat(12)-156.63%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-1.34%
Min Revenue beat(2)-7.72%
Max Revenue beat(2)5.04%
Revenue beat(4)2
Avg Revenue beat(4)2.67%
Min Revenue beat(4)-10.47%
Max Revenue beat(4)23.83%
Revenue beat(8)2
Avg Revenue beat(8)-7.34%
Revenue beat(12)3
Avg Revenue beat(12)-5.81%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)2%
PT rev (3m)0%
EPS NQ rev (1m)-8.42%
EPS NQ rev (3m)-22.36%
EPS NY rev (1m)2.88%
EPS NY rev (3m)8.42%
Revenue NQ rev (1m)-0.88%
Revenue NQ rev (3m)-4%
Revenue NY rev (1m)-3.1%
Revenue NY rev (3m)-3.16%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 7.21
P/S 0.92
P/FCF 1996.56
P/OCF N/A
P/B 0.55
P/tB 0.56
EV/EBITDA N/A
EPS(TTM)-1.42
EYN/A
EPS(NY)1.17
Fwd EY13.87%
FCF(TTM)0
FCFY0.05%
OCF(TTM)0
OCFYN/A
SpS9.17
BVpS15.52
TBVpS15.05
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.72%
ROE -10.69%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 0.05%
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-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 1177.28
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
WACC14.08%
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)-378.43%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-2675%
EPS Next Y308.37%
EPS Next 2Y131.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)37.56%
Revenue growth 3Y-2.31%
Revenue growth 5Y8.96%
Sales Q2Q%9.36%
Revenue Next Year7.24%
Revenue Next 2Y10.19%
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-99.77%
FCF growth 3Y22.68%
FCF growth 5Y4.3%
OCF growth 1Y-100.01%
OCF growth 3Y3.64%
OCF growth 5Y3.66%