First Northwest Bancorp (FNWB) AI Stock Analysis

• Market Cap: $85.92M
• Dividend Yield: 3.08%
• Average Volume (3M): 21.84K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.35
• Revenue Growth: 8.02%
• EPS Growth: 21.36%
• Country: US
• Employees: 227
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.09
• Shares Outstanding: 9,462,150
• 10 Day Avg. Volume: 10,691
• 30 Day Avg. Volume: 21,836
• PEG Ratio: 0.03
• Price to Book (P/B): 0.58
• Price to Sales (P/S): 0.77
• P/FCF Ratio: 5.31
• Enterprise Value/Market Cap: 4.77
• Enterprise Value/Revenue: 3.52
• Enterprise Value/Gross Profit: 10.68
• Enterprise Value/Ebitda: -52.34
• 1Y Price Target: $13.50
• Price Target Upside: 47.86% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 51 Neutral
• Price Target: $9.00 ▼(-1.42% Downside)

First Northwest Bancorp's overall stock score is primarily impacted by its financial performance challenges, including negative margins and cash flow issues. While technical indicators show bullish momentum, the overbought conditions suggest caution. The valuation is mixed, with a negative P/E ratio but a decent dividend yield. The absence of earnings call and corporate events data limits further insights.

First Northwest Bancorp Business Overview & Revenue Model

Company Description

First Northwest Bancorp (FNWB) is a publicly traded holding company based in the United States, primarily engaged in the business of banking through its wholly-owned subsidiary, First Northwest Bank. The company operates in the financial services sector, providing a range of banking products and services, including commercial and residential loans, deposit accounts, and wealth management services. FNWB is focused on serving individuals, families, and small to medium-sized businesses, primarily in the Pacific Northwest region.

How the Company Makes Money

First Northwest Bancorp generates revenue primarily through interest income, which is derived from the loans it originates to customers. The bank offers various loan products, including mortgages, commercial real estate loans, and consumer loans, which typically have higher interest rates compared to the interest paid on customer deposits. Additionally, FNWB earns non-interest income from fees associated with banking services, such as account maintenance, transaction fees, and wealth management services. The company also benefits from its investment portfolio, which includes securities that generate interest income. Key partnerships with local businesses and community organizations further enhance FNWB's ability to attract customers and expand its service offerings, contributing positively to its overall earnings.

First Northwest Bancorp Financial Statement Overview

Summary

First Northwest Bancorp is facing significant financial challenges, with declining profitability and cash flow difficulties. The income statement shows negative margins, and the cash flow is constrained with negative free cash flow. The balance sheet shows moderate stability but is burdened by high leverage.

Income Statement

First Northwest Bancorp's income statement shows a concerning trend with declining margins. The gross profit margin has decreased over the years, and the TTM EBIT margin is negative, reflecting operational challenges. The net profit margin has also turned negative in the TTM period, indicating profitability issues. Revenue growth has been inconsistent, with a slight increase in recent years but insufficient to offset declining profitability.

Balance Sheet

The balance sheet reflects moderate financial stability with a high debt-to-equity ratio due to significant liabilities. The equity ratio remains relatively stable, suggesting a decent proportion of assets financed by equity. However, the return on equity has suffered due to net income losses, showing weakened shareholder returns.

Cash Flow

Cash flow analysis reveals concerns, particularly with negative free cash flow in the TTM period. The operating cash flow has turned negative, impacting liquidity. The free cash flow to net income ratio indicates cash constraints, which could limit future investments and growth potential. The inconsistency in free cash flow growth highlights potential difficulties in managing cash operations effectively.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	116.31M	117.03M	104.92M	90.70M	79.31M	67.53M
Gross Profit	38.34M	44.52M	64.13M	78.66M	72.59M	54.76M
EBITDA	-7.83M	-6.14M	4.29M	18.40M	19.72M	14.95M
Net Income	-7.38M	-6.61M	2.29M	15.64M	15.42M	10.34M
Balance Sheet
Total Assets	2.11B	2.23B	2.20B	2.04B	1.92B	1.65B
Cash, Cash Equivalents and Short-Term Investments	298.30M	412.79M	418.79M	372.17M	470.23M	429.45M
Total Debt	275.70M	353.55M	327.36M	285.36M	119.28M	109.98M
Total Liabilities	1.96B	2.08B	2.04B	1.88B	1.73B	1.47B
Stockholders Equity	154.53M	153.88M	163.34M	161.57M	190.96M	186.38M
Cash Flow
Free Cash Flow	12.47M	16.88M	16.30M	12.99M	9.14M	11.44M
Operating Cash Flow	12.48M	16.88M	17.88M	15.90M	15.15M	13.26M
Investing Cash Flow	2.93M	-87.07M	-84.19M	-237.65M	-136.86M	-315.95M
Financing Cash Flow	-135.14M	19.47M	143.89M	141.32M	182.57M	319.11M

First Northwest Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 9.13
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FNWB, the sentiment is Positive. The current price of 9.13 is above the 20-day moving average (MA) of 8.56, above the 50-day MA of 7.93, and above the 200-day MA of 8.91, indicating a bullish trend. The MACD of 0.34 indicates Negative momentum. The RSI at 66.34 is Neutral, neither overbought nor oversold. The STOCH value of 43.70 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FNWB.

First Northwest Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FUSB	71 Outperform	$74.36M	13.91	5.50%	2.12%	1.03%	-35.72%
BOTJ	68 Neutral	$77.10M	9.74	10.86%	2.35%	6.17%	-6.13%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
UBCP	62 Neutral	$73.62M	10.03	10.99%	7.19%	6.30%	-3.81%
FNWB	51 Neutral	$85.92M	-11.05	-4.68%	3.08%	8.02%	21.36%
BYFC	48 Neutral	$57.93M	-22.22	0.22%	―	2.54%	-174.74%
SSBI	45 Neutral	$72.44M	-51.32	-1.41%	―	-0.80%	-129.22%

First Northwest Bancorp Corporate Events

First Northwest Bancorp Releases Q3 2025 Financial Review

On October 29, 2025, First Northwest Bancorp released a slide presentation reviewing its financial results and trends for the quarter and nine months ending September 30, 2025. This presentation was included in a Form 8-K filing and provides insights into the company’s financial performance during this period.

The most recent analyst rating on (FNWB) stock is a Hold with a $9.00 price target. To see the full list of analyst forecasts on First Northwest Bancorp stock, see the FNWB Stock Forecast page.

First Northwest Bancorp Appoints New CEO Curt Queyrouze

On September 11, 2025, First Northwest Bancorp announced the appointment of Curt Queyrouze as President and CEO, effective September 17, 2025. Queyrouze, a seasoned leader with over 40 years of experience in the financial services industry, previously held leadership roles at Coastal Financial Corporation and TAB Bank. His appointment follows an extensive search process, and he is expected to drive long-term value for shareholders and modernize the company. The new employment agreement includes a base salary of $550,000, a signing bonus, and stock awards, with provisions for termination benefits. This leadership change marks a significant step in the company’s strategy to enhance its market position and operational efficiency.

The most recent analyst rating on (FNWB) stock is a Hold with a $7.50 price target. To see the full list of analyst forecasts on First Northwest Bancorp stock, see the FNWB Stock Forecast page.

First Northwest Bancorp Faces Legal and Regulatory Challenges Amid Market Volatility

First Northwest Bancorp faces significant business risks due to potential litigation and regulatory enforcement actions, which could lead to substantial liabilities and damage to its reputation. The company is currently involved in litigation with 3|5|2 Capital concerning the bankruptcy of Water Station Management, highlighting the ongoing legal challenges it encounters. Such risks are exacerbated during volatile financial market conditions, potentially impacting the company’s financial stability and stock performance. Even successful defenses against legal claims can incur high costs and harm the company’s reputation, affecting client trust and investor confidence.