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FIRST NORTHWEST BANCORP (FNWB) Stock Fundamental Analysis

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

7.9  +0.05 (+0.64%)

Fundamental Rating

3

Overall FNWB gets a fundamental rating of 3 out of 10. We evaluated FNWB against 396 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.
In the past 5 years FNWB always reported a positive cash flow from operatings.
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 has a worse Return On Assets (-0.72%) than 96.46% of its industry peers.
The Return On Equity of FNWB (-10.69%) is worse 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.
Compared to 1 year ago, FNWB has less shares outstanding
FNWB has less shares outstanding than it did 5 years ago.
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

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.
FNWB has a Debt to FCF ratio of 1177.28. This is amonst the worse of the industry: FNWB underperforms 88.89% of its industry peers.
A Debt/Equity ratio of 0.32 indicates that FNWB is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.32, FNWB is not doing good in the industry: 71.46% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 1177.28
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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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%.
The Revenue has been growing by 8.96% on average over the past years. This is quite good.
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.
Based on estimates for the next years, FNWB will show a quite strong growth in Revenue. The Revenue will grow by 10.26% on average per year.
EPS Next Y-48.63%
EPS Next 2Y131.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.32%
Revenue Next 2Y10.26%
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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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for FNWB. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 6.73, the valuation of FNWB can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FNWB indicates a rather cheap valuation: FNWB is cheaper than 91.92% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.44, FNWB is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 6.73
FNWB Price Earnings VS Forward Price EarningsFNWB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30

4.2 Price Multiples

FNWB's Price/Free Cash Flow ratio is rather expensive when compared to the industry. FNWB is more expensive than 87.12% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1864.4
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 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 3.50%.
The stock price of FNWB dropped by -25.38% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
FNWB's Dividend Yield is a higher than the industry average which is at 3.29.
Compared to an average S&P500 Dividend Yield of 2.34, FNWB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.5%

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.
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.
The dividend of FNWB is growing, but earnings are growing more, so the dividend growth is 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 (7/22/2025, 10:07:35 AM)

7.9

+0.05 (+0.64%)

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 Owners49.4%
Inst Owner Change-0.02%
Ins Owners5.77%
Ins Owner Change7.21%
Market Cap74.58M
Analysts80
Price Target10.2 (29.11%)
Short Float %0.66%
Short Ratio1.83
Dividend
Industry RankSector Rank
Dividend Yield 3.5%
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)-16.67%
PT rev (3m)-20%
EPS NQ rev (1m)-26.92%
EPS NQ rev (3m)-41.18%
EPS NY rev (1m)-34.21%
EPS NY rev (3m)-173.38%
Revenue NQ rev (1m)-0.6%
Revenue NQ rev (3m)-4.57%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.09%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 6.73
P/S 0.86
P/FCF 1864.4
P/OCF N/A
P/B 0.51
P/tB 0.52
EV/EBITDA N/A
EPS(TTM)-1.42
EYN/A
EPS(NY)1.17
Fwd EY14.85%
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
WACC14.04%
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)-378.43%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-2675%
EPS Next Y-48.63%
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 Year7.32%
Revenue Next 2Y10.26%
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%