Want to see FNWB full AI Analyst Report?
First Northwest Bancorp (FNWB) Ratios
First Northwest Bancorp Ratios
FNWB's free cash flow for Q2 2026 was $634.00K. For the 2026 fiscal year, FNWB's free cash flow was decreased by $-858.00K and operating cash flow was $1.49M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.06 | 0.23 | 0.23 | 0.23 | 0.31 |
| Quick Ratio | 0.06 | 0.23 | 0.23 | 0.23 | 0.31 |
| Cash Ratio | 0.05 | 0.04 | 0.07 | 0.03 | 0.08 |
| Solvency Ratio | -0.00 | -0.00 | 0.00 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | -0.00 | 0.01 | 0.01 | 0.01 | 0.01 |
| Short-Term Operating Cash Flow Coverage | -0.02 | 0.12 | 0.09 | 0.10 | 0.00 |
| Net Current Asset Value | $ -1.85B | $ -1.66B | $ -1.61B | $ -1.48B | $ -1.23B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.15 | 0.16 | 0.15 | 0.14 | 0.06 |
| Debt-to-Equity Ratio | 2.06 | 2.30 | 2.00 | 1.77 | 0.62 |
| Debt-to-Capital Ratio | 0.67 | 0.70 | 0.67 | 0.64 | 0.38 |
| Long-Term Debt-to-Capital Ratio | 0.55 | 0.56 | 0.42 | 0.42 | 0.38 |
| Financial Leverage Ratio | 13.40 | 14.50 | 13.48 | 12.64 | 10.06 |
| Debt Service Coverage Ratio | -0.02 | -0.03 | 0.02 | 0.09 | 3.08 |
| Interest Coverage Ratio | -0.12 | -0.13 | 0.07 | 1.55 | 3.38 |
| Debt to Market Cap | 3.44 | 3.75 | 2.26 | 2.05 | 0.65 |
| Interest Debt Per Share | 39.19 | 46.63 | 41.13 | 32.58 | 13.65 |
| Net Debt to EBITDA | -52.08 | -45.77 | 47.60 | 13.03 | -0.34 |
| Profitability Margins | |||||
| Gross Profit Margin | 47.27% | 38.04% | 61.12% | 86.72% | 91.52% |
| EBIT Margin | -5.47% | -6.46% | 2.55% | 18.02% | 22.91% |
| EBITDA Margin | -4.29% | -5.25% | 4.09% | 20.28% | 24.86% |
| Operating Profit Margin | -5.47% | -6.46% | 2.55% | 18.02% | 22.91% |
| Pretax Profit Margin | -5.47% | -6.46% | 2.55% | 18.02% | 22.91% |
| Net Profit Margin | -3.91% | -5.65% | 2.18% | 17.25% | 19.44% |
| Continuous Operations Profit Margin | -3.91% | -5.65% | 2.03% | 14.88% | 18.89% |
| Net Income Per EBT | 71.45% | 87.51% | 85.46% | 95.73% | 84.84% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | -0.20% | -0.30% | 0.10% | 0.77% | 0.80% |
| Return on Equity (ROE) | -2.66% | -4.30% | 1.40% | 9.68% | 8.07% |
| Return on Capital Employed (ROCE) | -1.49% | -1.87% | 0.84% | 5.86% | 5.85% |
| Return on Invested Capital (ROIC) | -0.83% | -1.22% | 0.41% | 3.03% | 4.82% |
| Return on Tangible Assets | -0.20% | -0.30% | 0.10% | 0.77% | 0.80% |
| Earnings Yield | -4.68% | -7.38% | 1.61% | 11.22% | 8.36% |
| Efficiency Ratios | |||||
| Receivables Turnover | 16.50 | 14.34 | 13.29 | 13.45 | 15.00 |
| Payables Turnover | 46.22 | 22.01 | 12.01 | 26.48 | 17.11 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 4.46 | 4.31 | 4.35 | 5.01 | 4.00 |
| Asset Turnover | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.07 | -0.08 | -0.07 | -0.07 | -0.08 |
| Cash Conversion Cycle | 14.23 | 8.86 | -2.93 | 13.35 | 3.00 |
| Days of Sales Outstanding | 22.13 | 25.45 | 27.46 | 27.13 | 24.34 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 7.90 | 16.58 | 30.39 | 13.78 | 21.34 |
| Operating Cycle | 22.13 | 25.45 | 27.46 | 27.13 | 24.34 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | -0.29 | 1.92 | 2.00 | 1.75 | 1.66 |
| Free Cash Flow Per Share | -0.29 | 1.92 | 1.83 | 1.43 | 1.00 |
| Dividend Paid and CapEx Coverage Ratio | -2.09 | 6.38 | 4.19 | 2.79 | 1.77 |
| Capital Expenditure Coverage Ratio | 0.00 | 0.00 | 11.38 | 5.46 | 2.52 |
| Operating Cash Flow Coverage Ratio | -0.01 | 0.05 | 0.05 | 0.06 | 0.13 |
| Operating Cash Flow to Sales Ratio | -0.03 | 0.14 | 0.17 | 0.18 | 0.19 |
| Free Cash Flow Yield | -3.08% | 18.84% | 11.47% | 9.31% | 4.95% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | -19.54 | -13.60 | 62.19 | 8.92 | 11.97 |
| Price-to-Sales (P/S) Ratio | 0.84 | 0.77 | 1.35 | 1.54 | 2.33 |
| Price-to-Book (P/B) Ratio | 0.57 | 0.58 | 0.87 | 0.86 | 0.97 |
| Price-to-Free Cash Flow (P/FCF) Ratio | -32.48 | 5.31 | 8.72 | 10.74 | 20.20 |
| Price-to-Operating Cash Flow Ratio | -32.48 | 5.31 | 7.95 | 8.77 | 12.17 |
| Price-to-Earnings Growth (PEG) Ratio | 0.54 | 0.04 | -0.73 | 1.82 | 0.26 |
| Enterprise Value Multiple | -71.56 | -60.35 | 80.73 | 20.62 | 9.02 |
| Enterprise Value | 329.04M | 370.69M | 346.35M | 379.26M | 177.77M |
| EV to EBITDA | -71.56 | -60.35 | 80.73 | 20.62 | 9.02 |
| EV to Sales | 3.07 | 3.17 | 3.30 | 4.18 | 2.24 |
| EV to Free Cash Flow | -119.31 | 21.97 | 21.24 | 29.20 | 19.46 |
| EV to Operating Cash Flow | -119.31 | 21.97 | 19.38 | 23.85 | 11.73 |
| Tangible Book Value Per Share | 16.04 | 17.02 | 17.77 | 16.88 | 20.37 |
| Shareholders’ Equity Per Share | 16.47 | 17.52 | 18.32 | 17.79 | 20.91 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.29 | 0.12 | 0.21 | 0.17 | 0.18 |
| Revenue Per Share | 11.22 | 13.33 | 11.76 | 9.99 | 8.68 |
| Net Income Per Share | -0.44 | -0.75 | 0.26 | 1.72 | 1.69 |
| Tax Burden | 0.71 | 0.88 | 0.85 | 0.96 | 0.85 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.18 | 0.32 | 0.32 | 0.42 | 0.45 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.02 | 0.03 | 0.04 |
| Income Quality | 0.66 | -2.55 | 8.41 | 1.18 | 1.01 |
Currency in USD
