FNWB

First Northwest Bancorp

Financial Services · USD

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Price alert · FNWB

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10.23 USD -0.11 -1.06%
As of Oct 30, 2026 Extended hours 10.23 0.00%
Bid
10.20 × 2
Ask
10.30 × 2
10.10 Day range 10.46
8.51 52-week range 12.17
YTD
+9.06%
1 year
+9.53%
Open
10.46
Prev close
10.34
Mkt cap
97.27M
Vol
14.65K
Avg vol
29.12K
EPS
0.17
P/E
60.18
Div yield
2.70%
More statistics
Low
10.10
High
10.46
Forward P/E
13.41
Beta
0.89
Short ratio
0.48
Inst. own
53.10%
Dividend
0.28
Ex-div date
Nov 7, 2024
Earnings
Jan 23, 2025
50-d avg
10.66
200-d avg
11.05
1y target
11.00

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Financial health

Altman Z-Score

1.20 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C2 / 5 overall

  • DCF 2
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 1
  • P/B 4

Valuation

P/E -19.5×
FY 2016: 34.3×FY 2017: 52.6×FY 2018: 21.5×FY 2019: 19.7×FY 2020: 14.1×FY 2021: 12.4×FY 2022: 9.0×FY 2023: 61.3×FY 2024: -13.6×FY 2025: -19.5×
FY 2016 5y median 9.0× FY 2025
P/S 0.8×
FY 2016: 4.1×FY 2017: 3.7×FY 2018: 3.0×FY 2019: 3.2×FY 2020: 2.2×FY 2021: 2.3×FY 2022: 1.5×FY 2023: 1.4×FY 2024: 0.8×FY 2025: 0.8×
FY 2016 5y median 1.4× FY 2025
P/B 0.6×
FY 2016: 1.0×FY 2017: 1.0×FY 2018: 0.9×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 0.9×FY 2023: 0.9×FY 2024: 0.6×FY 2025: 0.6×
FY 2016 5y median 0.9× FY 2025
P/FCF -32.5×
FY 2016: 977×FY 2017: 41.5×FY 2018: 14.6×FY 2019: 13.1×FY 2020: 12.7×FY 2021: 20.2×FY 2022: 10.7×FY 2023: 8.7×FY 2024: 5.3×FY 2025: -32.5×
FY 2016 5y median 8.7× FY 2025
EV/EBITDA -71.6×
FY 2016: 27.6×FY 2017: 33.9×FY 2018: 25.8×FY 2019: 19.1×FY 2020: 12.7×FY 2021: 9.0×FY 2022: 20.6×FY 2023: 80.7×FY 2024: -60.3×FY 2025: -71.6×
FY 2016 5y median 9.0× FY 2025
EV/Sales 3.1×
FY 2016: 5.3×FY 2017: 6.2×FY 2018: 5.1×FY 2019: 4.3×FY 2020: 2.8×FY 2021: 2.2×FY 2022: 4.2×FY 2023: 3.3×FY 2024: 3.2×FY 2025: 3.1×
FY 2016 5y median 3.2× FY 2025
FCF Yield -3.1%
FY 2016: 0.1%FY 2017: 2.4%FY 2018: 6.9%FY 2019: 7.7%FY 2020: 7.9%FY 2021: 5.0%FY 2022: 9.3%FY 2023: 11.5%FY 2024: 18.9%FY 2025: -3.1%
FY 2016 5y median 9.3% FY 2025

Profitability

Gross Margin 47.3%
FY 2016: 85.1%FY 2017: 100.0%FY 2018: 80.3%FY 2019: 78.5%FY 2020: 81.1%FY 2021: 91.5%FY 2022: 86.7%FY 2023: 61.1%FY 2024: 38.0%FY 2025: 47.3%
FY 2016 5y median 61.1% FY 2025
Operating Margin -5.5%
FY 2016: 15.8%FY 2017: 15.6%FY 2018: 16.8%FY 2019: 19.7%FY 2020: 19.7%FY 2021: 22.9%FY 2022: 18.0%FY 2023: 2.5%FY 2024: -6.5%FY 2025: -5.5%
FY 2016 5y median 2.5% FY 2025
Net Margin -3.9%
FY 2016: 11.9%FY 2017: 7.1%FY 2018: 13.8%FY 2019: 16.0%FY 2020: 15.3%FY 2021: 19.4%FY 2022: 17.2%FY 2023: 2.2%FY 2024: -5.7%FY 2025: -3.9%
FY 2016 5y median 2.2% FY 2025
ROE -2.7%
FY 2016: 2.9%FY 2017: 1.9%FY 2018: 4.1%FY 2019: 5.1%FY 2020: 5.5%FY 2021: 8.1%FY 2022: 9.7%FY 2023: 1.4%FY 2024: -4.3%FY 2025: -2.7%
FY 2016 5y median 1.4% FY 2025
ROIC -0.8%
FY 2016: 2.0%FY 2017: 0.3%FY 2018: 2.3%FY 2019: 3.1%FY 2020: 3.5%FY 2021: 4.8%FY 2022: 3.0%FY 2023: 0.4%FY 2024: -1.2%FY 2025: -0.8%
FY 2016 5y median 0.4% FY 2025
ROA -0.2%
FY 2016: 0.5%FY 2017: 0.3%FY 2018: 0.6%FY 2019: 0.7%FY 2020: 0.6%FY 2021: 0.8%FY 2022: 0.8%FY 2023: 0.1%FY 2024: -0.3%FY 2025: -0.2%
FY 2016 5y median 0.1% FY 2025

Growth (YoY)

Revenue -8.4%
FY 2016: 12.1%FY 2017: 8.4%FY 2018: 10.8%FY 2019: 8.9%FY 2020: 20.0%FY 2021: 17.4%FY 2022: 14.4%FY 2023: 15.7%FY 2024: 11.5%FY 2025: -8.4%
FY 2016 FY 2025
Operating Income 22.4%
FY 2016: 24.4%FY 2017: 7.5%FY 2018: 19.1%FY 2019: 27.8%FY 2020: 19.9%FY 2021: 36.7%FY 2022: -10.1%FY 2023: -83.6%FY 2024: -382.5%FY 2025: 22.4%
FY 2016 FY 2025
EPS (diluted) 36.0%
FY 2016: 39.4%FY 2017: -32.6%FY 2018: 119.4%FY 2019: 33.8%FY 2020: 20.9%FY 2021: 47.3%FY 2022: 5.6%FY 2023: -85.4%FY 2024: -400.0%FY 2025: 36.0%
FY 2016 FY 2025
Free Cash Flow -116.3%
FY 2016: -97.9%FY 2017: 2227.4%FY 2018: 151.9%FY 2019: 30.2%FY 2020: -16.3%FY 2021: -20.1%FY 2022: 42.2%FY 2023: 25.5%FY 2024: 3.5%FY 2025: -116.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.3×FY 2017: 0.1×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2016: 0.3×FY 2017: 0.1×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 2.1×
FY 2016: 0.4×FY 2017: 0.8×FY 2018: 0.8×FY 2019: 0.6×FY 2020: 0.6×FY 2021: 0.6×FY 2022: 1.8×FY 2023: 2.0×FY 2024: 2.3×FY 2025: 2.1×
FY 2016 5y median 2.0× FY 2025
Net Debt / EBITDA -52.1×
FY 2016: 6.4×FY 2017: 13.7×FY 2018: 10.8×FY 2019: 5.1×FY 2020: 3.0×FY 2021: -0.3×FY 2022: 13.0×FY 2023: 47.6×FY 2024: -45.8×FY 2025: -52.1×
FY 2016 5y median -0.3× FY 2025
Interest Coverage -0.1×
FY 2016: 1.3×FY 2017: 0.0×FY 2018: 1.0×FY 2019: 1.0×FY 2020: 1.7×FY 2021: 3.4×FY 2022: 1.6×FY 2023: 0.1×FY 2024: -0.1×FY 2025: -0.1×
FY 2016 5y median 0.1× FY 2025

Dividends

Dividend Yield 1.5%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.2%FY 2019: 0.8%FY 2020: 1.5%FY 2021: 1.4%FY 2022: 2.0%FY 2023: 1.9%FY 2024: 3.0%FY 2025: 1.5%
FY 2016 5y median 1.9% FY 2025
Payout Ratio -31.4%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 4.7%FY 2019: 15.7%FY 2020: 21.1%FY 2021: 16.4%FY 2022: 17.8%FY 2023: 118.1%FY 2024: -40.0%FY 2025: -31.4%
FY 2016 5y median 16.4% FY 2025

Annual · latest fiscal year ends 2025-12-31