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First Northwest Bancorp
(NASDAQ:FNWB)
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Rating:46Neutral
Price Target:
$11.00
▼(-0.36% Downside)
Action:Reiterated
Date:08/07/26
The score is held down primarily by weak and volatile financial performance (recent losses, thin TTM profitability, declining revenue) and elevated leverage, with only partial support from improved but inconsistent cash generation. Technicals are mixed (near-term softness but longer-term trend still above key averages), and valuation is a headwind due to a very high P/E with no dividend yield provided.
Positive Factors
Return to Modest Profitability
The return to positive TTM earnings indicates initial stabilization after the prior loss period. Although profitability remains thin, sustained improvement could rebuild internal capital and support future lending capacity.
Negative Factors
Volatile and Thin Profitability
The sharp swing from strong profits to losses, followed by only modest TTM profitability, indicates limited earnings durability. A very thin operating margin leaves results vulnerable to funding costs, credit provisions and expense pressure.
Read all positive and negative factors
Positive Factors
Negative Factors
Return to Modest Profitability
The return to positive TTM earnings indicates initial stabilization after the prior loss period. Although profitability remains thin, sustained improvement could rebuild internal capital and support future lending capacity.
Read all positive factors
First Northwest Bancorp (FNWB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$104.63M
Dividend Yield2.84%
Average Volume (3M)21.67K
Price to Earnings (P/E)68.5
Beta (1Y)0.12
Revenue Growth-6.12%
EPS GrowthN/A
CountryUS
Employees242
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.16
Shares Outstanding9,511,615
10 Day Avg. Volume19,718
30 Day Avg. Volume21,671
Financial Highlights & Ratios
PEG Ratio0.54
Price to Book (P/B)0.57
Price to Sales (P/S)0.84
P/FCF Ratio-32.48
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$15.00Price Target Upside35.87% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.08
Revenue Forecast (FY)$67.15M
First Northwest Bancorp Business Overview & Revenue Model
Company Description
First Northwest Bancorp serves as the parent company for First Fed Bank, a financial institution that delivers a broad spectrum of commercial and consumer banking services. These services are provided to individuals, businesses, and nonprofit orga...
How the Company Makes Money
FNWB makes money primarily through its banking subsidiary by earning (1) net interest income and (2) noninterest income. Net interest income is generated from the spread between interest earned on interest-earning assets—primarily loans to consume...
First Northwest Bancorp Financial Statement Overview
Summary
Income Statement
38
Negative
Balance Sheet
46
Neutral
Cash Flow
52
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 102.09M | 107.19M | 117.03M | 104.92M | 90.70M | 79.31M |
| Gross Profit | 57.19M | 50.67M | 44.52M | 64.13M | 78.66M | 72.59M |
| EBITDA | 1.02M | -5.17M | -6.14M | 4.29M | 18.40M | 19.72M |
| Net Income | 1.50M | -4.19M | -6.61M | 2.29M | 15.64M | 15.42M |
Balance Sheet | ||||||
| Total Assets | 2.12B | 2.11B | 2.23B | 2.20B | 2.04B | 1.92B |
| Cash, Cash Equivalents and Short-Term Investments | 301.68M | 90.68M | 412.79M | 418.79M | 372.17M | 470.23M |
| Total Debt | 329.22M | 324.58M | 353.55M | 327.36M | 285.36M | 119.28M |
| Total Liabilities | 1.97B | 1.95B | 2.08B | 2.04B | 1.88B | 1.73B |
| Stockholders Equity | 158.31M | 157.26M | 153.88M | 163.34M | 161.57M | 190.96M |
Cash Flow | ||||||
| Free Cash Flow | 16.09M | -2.76M | 16.88M | 16.30M | 12.99M | 9.14M |
| Operating Cash Flow | 17.39M | -2.76M | 16.88M | 17.88M | 15.90M | 15.15M |
| Investing Cash Flow | 71.24M | 133.35M | -87.07M | -84.19M | -237.65M | -136.86M |
| Financing Cash Flow | -78.14M | -117.62M | 19.47M | 143.89M | 141.32M | 182.57M |
First Northwest Bancorp Technical Analysis
Negative
11.04
Price Trends
11.34
Negative
10.67
Positive
10.18
Positive
Market Momentum
-0.06
Positive
41.84
Neutral
22.51
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FNWB, the sentiment is Negative. The current price of 11.04 is below the 20-day moving average (MA) of 11.18, below the 50-day MA of 11.34, and above the 200-day MA of 10.18, indicating a neutral trend. The MACD of -0.06 indicates Positive momentum. The RSI at 41.84 is Neutral, neither overbought nor oversold. The STOCH value of 22.51 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FNWB.
First Northwest Bancorp Risk Analysis
First Northwest Bancorp disclosed 33 risk factors in its most recent earnings report. First Northwest Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
First Northwest Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $125.40M | 10.91 | 14.30% | 1.45% | 6.20% | 60.60% | |
68 Neutral | $90.72M | 12.21 | 7.41% | 1.70% | 3.83% | 33.60% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $91.08M | 11.18 | 11.53% | 5.92% | 6.21% | 8.32% | |
53 Neutral | $85.73M | 37.24 | 2.22% | 3.97% | -6.91% | ― | |
51 Neutral | $112.41M | -4.47 | -7.74% | 3.21% | 10.60% | -935.88% | |
46 Neutral | $104.63M | 68.45 | 0.96% | 2.84% | -6.12% | ― |
* Financial Sector Average
FNWB
First Northwest Bancorp
11.00
3.94
55.81%
BOTJ
Bank Of The Jame Financial
27.60
12.55
83.35%
BYFC
Broadway Financial
12.12
4.51
59.20%
SSBI
Summit State Bank
12.66
0.90
7.65%
UBCP
United Bancorp
15.88
2.16
15.73%
FUSB
First US Bancshares
16.48
4.69
39.74%
First Northwest Bancorp Corporate Events
Business Operations and StrategyFinancial Disclosures
First Northwest Bancorp Reports Mixed Q2 2026 Results
Negative
Jul 29, 2026
On July 29, 2026, First Northwest Bancorp reported second-quarter 2026 net income of $308,000, up from $6,000 in the first quarter but sharply lower than $3.7 million a year earlier, with earnings of $0.03 per share versus $0.42 in the prior-year ...
Business Operations and StrategyShareholder Meetings
First Northwest Bancorp Shareholders Approve Amended Equity Plan
Positive
May 22, 2026
At its May 19, 2026 annual meeting, First Northwest Bancorp shareholders approved an amended and restated 2020 Equity Incentive Plan that increases the share pool for equity awards from 520,000 to 820,000 and modernizes plan terms, including gover...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.