Logo image of FNWB

FIRST NORTHWEST BANCORP (FNWB) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:FNWB - US3358341077 - Common Stock

9.98 USD
+0.05 (+0.5%)
Last: 12/15/2025, 8:00:00 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to FNWB. FNWB was compared to 385 industry peers in the Banks industry. FNWB has a bad profitability rating. Also its financial health evaluation is rather negative. FNWB has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

Quickly go to:

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

FNWB has a Return On Assets of -0.35%. This is amonst the worse of the industry: FNWB underperforms 92.73% of its industry peers.
FNWB has a worse Return On Equity (-4.78%) than 93.77% of its industry peers.
Industry RankSector Rank
ROA -0.35%
ROE -4.78%
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

More info and screens

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.
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

FNWB has a Debt/Equity ratio of 0.32. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.32, FNWB is doing worse than 69.35% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF N/A
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

More info and screens

3

3. Growth

3.1 Past

The earnings per share for FNWB have decreased strongly by -2000.00% in the last year.
FNWB shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -18.40%.
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)-18.4%
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 72.50% yearly.
Based on estimates for the next years, FNWB will show a small growth in Revenue. The Revenue will grow by 7.11% on average per year.
EPS Next Y-35.51%
EPS Next 2Y106.36%
EPS Next 3Y72.5%
EPS Next 5YN/A
Revenue Next Year2.49%
Revenue Next 2Y6.49%
Revenue Next 3Y7.11%
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less 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 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

More info and screens

2

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 12.62 indicates a correct valuation of FNWB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FNWB indicates a slightly more expensive valuation: FNWB is more expensive than 66.23% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of FNWB to the average of the S&P500 Index (23.78), we can say FNWB is valued slightly cheaper.
Industry RankSector Rank
PE N/A
Fwd PE 12.62
FNWB Price Earnings VS Forward Price EarningsFNWB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -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

FNWB's earnings are expected to grow with 72.50% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y106.36%
EPS Next 3Y72.5%

More info and screens

5

5. Dividend

5.1 Amount

FNWB has a Yearly Dividend Yield of 2.81%. Purely for dividend investing, there may be better candidates out there.
FNWB's Dividend Yield is comparable with the industry average which is at 2.70.
Compared to an average S&P500 Dividend Yield of 1.87, FNWB pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.81%

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

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-26.72%
EPS Next 2Y106.36%
EPS Next 3Y72.5%
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

More info and screens

FIRST NORTHWEST BANCORP

NASDAQ:FNWB (12/15/2025, 8:00:00 PM)

9.98

+0.05 (+0.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-27 2025-10-27/bmo
Earnings (Next)01-27 2026-01-27/bmo
Inst Owners47.46%
Inst Owner Change-6.5%
Ins Owners4.9%
Ins Owner Change7.84%
Market Cap94.41M
Revenue(TTM)66.00M
Net Income(TTM)-7.38M
Analysts82.5
Price Target13.01 (30.36%)
Short Float %0.63%
Short Ratio2.52
Dividend
Industry RankSector Rank
Dividend Yield 2.81%
Yearly Dividend0.28
Dividend Growth(5Y)16.71%
DP-26.72%
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)149.4%
Min EPS beat(2)-34.64%
Max EPS beat(2)333.44%
EPS beat(4)1
Avg EPS beat(4)-290.16%
Min EPS beat(4)-876.77%
Max EPS beat(4)333.44%
EPS beat(8)2
Avg EPS beat(8)-195.86%
EPS beat(12)4
Avg EPS beat(12)-130.41%
EPS beat(16)6
Avg EPS beat(16)-95.96%
Revenue beat(2)0
Avg Revenue beat(2)-4.88%
Min Revenue beat(2)-5.82%
Max Revenue beat(2)-3.94%
Revenue beat(4)1
Avg Revenue beat(4)-3.11%
Min Revenue beat(4)-7.72%
Max Revenue beat(4)5.04%
Revenue beat(8)2
Avg Revenue beat(8)-5.07%
Revenue beat(12)3
Avg Revenue beat(12)-6.1%
Revenue beat(16)4
Avg Revenue beat(16)-5.02%
PT rev (1m)27.5%
PT rev (3m)27.5%
EPS NQ rev (1m)20.69%
EPS NQ rev (3m)-14.63%
EPS NY rev (1m)8.82%
EPS NY rev (3m)12.26%
Revenue NQ rev (1m)-1.44%
Revenue NQ rev (3m)-2.56%
Revenue NY rev (1m)-1.05%
Revenue NY rev (3m)-1.72%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 12.62
P/S 1.43
P/FCF N/A
P/OCF N/A
P/B 0.61
P/tB 0.63
EV/EBITDA N/A
EPS(TTM)-0.84
EYN/A
EPS(NY)0.79
Fwd EY7.92%
FCF(TTM)-0.06
FCFYN/A
OCF(TTM)-0.06
OCFYN/A
SpS6.98
BVpS16.33
TBVpS15.89
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.35%
ROE -4.78%
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-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.32
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-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)-2000%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%139.13%
EPS Next Y-35.51%
EPS Next 2Y106.36%
EPS Next 3Y72.5%
EPS Next 5YN/A
Revenue 1Y (TTM)-18.4%
Revenue growth 3Y-2.31%
Revenue growth 5Y8.96%
Sales Q2Q%4.89%
Revenue Next Year2.49%
Revenue Next 2Y6.49%
Revenue Next 3Y7.11%
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-103.54%
FCF growth 3Y22.68%
FCF growth 5Y4.3%
OCF growth 1Y-103.25%
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 2 / 10 to FNWB.


What is the valuation status of FIRST NORTHWEST BANCORP (FNWB) stock?

ChartMill assigns a valuation rating of 2 / 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 -26.72%.