Pricing Log in Create free account
Friday 6 November 2026 Export FNWB’s income statement to Excel — free account

First Northwest Bancorp

FNWB Financial Banks Regional

First Northwest Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $118.6 million, down 5.05% from fiscal 2024.

Revenue
−3.97%
EPS
−192.7%
Free cash flow
−247.3%
Total debt
+20.1%

Quarter to September 2026, against a year earlier

10.10 0.23 −2.23%
Market cap
$96.0M
P/E
0.0×
Fwd P/E
128×
Dividend yield
0.00%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.05
Sold, $m 0.29
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 1 — — — — — — — — —
Sell — — — — — — — — 1 — — —
Insider Ownership 9.59%

Capital & Financial Ratios $m

Size
Market Cap 96.03
Revenue ttm 112.39
Net income ttm (0.05)
Free cash flow ttm 5.84
Net debt Q 208.07
Valuation
P/E 0.00
Forward P/E 128.00 (above 35: high)
Price / sales 0.80
Forward P/S Powerpack
Price / FCF 17.98
Price / book 0.60
Financial health
Current ratio Q 1.04
Debt / equity Q 2.09
Interest coverage Q —
Growth
Revenue growth Q −3.97% (below 0%: shrinking)
Operating income growth Q −969.86% (below 0%: shrinking)
EPS, this year +111.46% (at or above 15%: strong)
EPS, next year A +490.91% (at or above 15%: strong)
Revenue, next year A −44.50% (below 0%: weak)
EPS, past 5 yrs —
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/S against its own 10 years 18.30%
10-year low 10-year high
P/B against its own 10 years 21.53%
10-year low 10-year high

Dividends

Yield
0.00%
Annual rate
0.00
Payout ratio
0.00%
Growth, 2018–25
+24.6%/yr
  1. 0.03 ’18
  2. 0.13 ’19 +333
  3. 0.21 ’20 +62
  4. 0.25 ’21 +19
  5. 0.28 ’22 +12
  6. 0.28 ’23 +0
  7. 0.28 ’24 +0
  8. 0.14 ’25 −50
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 123 72 85 104
Receivables — — — —
Inventory — — — —
Other — — — —
1,774 1,756 1,705 —
2023 2024 2025 Q'26
Payables 1,677 1,688 1,599 1,634
ST’ Debt — — — —
Other — — — —
1,710 1,723 1,625 —

Compound Annual Growth %

10y 5y 3y
Sales 13.35% 11.93% 9.36%
Cash Flow 0.00% 0.00% 0.00%
Earnings 0.00% 0.00% 0.00%
Book Value (1.87%) (3.34%) (0.21%)

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.01 Actual 0.04

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.09 0.04 Miss by 0.05
Q1 FY26 0.03 0.00 Miss by 0.03
Q2 FY26 0.01 0.03 Beat by 0.02
Q3 FY26 0.01 0.04 Beat by 0.03
Q4 FY26 0.02 — Reports 4 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.00 0.03 (0.08) — —
’25 (1.03) 0.42 0.09 0.04 (0.48)
’24 0.04 (0.25) (0.23) (0.32) (0.75)
’23 0.39 0.20 0.28 (0.62) 0.26
’22 0.30 0.27 0.47 0.66 1.71
’21 0.34 0.32 0.45 0.56 1.66
’20 0.09 0.21 0.40 0.41 1.10
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 27 27 28 — —
’25 31 29 29 30 119
’24 30 36 30 29 125
’23 26 27 29 23 105
’22 19 21 23 27 91
’21 17 19 21 22 79
’20 14 16 18 19 68
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 1 1 (7) — —
’25 (22) 4 5 10 (3)
’24 (5) 8 1 12 17
’23 7 11 (2) 3 18
’22 3 6 4 2 16
’21 3 2 6 4 15
’20 (2) 4 1 10 13
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 0 1 (7) — —
’25 (22) 5 5 10 (3)
’24 (5) 15 8 12 23
’23 6 11 (3) 2 16
’22 2 5 4 2 13
’21 2 0 5 2 9
’20 (2) 3 0 10 11
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 34 40 52 56 68 79 91 105 125 119 112 +14.9% 66 70 — (23.0%)
Gross margin, % 0.00 0.00 82.57 79.68 88.56 93.23 88.41 62.38 55.17 58.11 60.06 +58.1 pt
EBT 5 7 9 11 13 18 16 3 (8) (5) (1) n/m
EBT margin, % 16.08 18.49 16.78 19.69 19.69 22.91 18.02 2.55 (6.05) (4.58) (0.57) (20.7) pt
Net income 4 0 7 9 10 15 13 2 (7) (4) 0 n/m
Per share, $
Per share, $ Revenue 2.81 3.77 5.01 5.72 7.21 8.68 9.99 11.76 14.22 13.50 12.62 +19.0%
Earnings 0.33 0.31 0.69 0.92 1.11 1.67 1.71 0.26 (0.75) (0.48) (0.01) n/m
Cash flow 0.93 0.49 1.29 1.43 1.41 1.66 1.75 2.00 1.92 (0.31) 0.66 n/m
Capex 0.00 0.00 (0.27) (0.04) (0.19) (0.66) (0.32) (0.18) 0.74 0.00 0.00 n/m
Free cash flow 0.93 0.49 1.02 1.39 1.22 1.00 1.43 1.83 2.66 (0.31) 0.66 n/m
Book value 15.77 16.69 16.67 17.96 19.89 20.85 17.43 18.32 17.52 17.89 16.72 +1.4%
Shares, m 12 11 10 10 9 9 9 9 9 9 9 (3.4%)
Valuation, ×
Valuation, × P/E 50.76 28.12 21.19 19.92 14.05 12.02 9.01 64.00 0.00 0.00 0.00 21.9
P/S 4.55 3.90 2.96 3.17 2.16 2.33 1.53 1.36 0.72 0.70 0.80 2.3
P/B 0.97 0.98 0.89 1.01 0.78 0.97 0.88 0.87 0.58 0.52 0.60 0.8
EV/Sales 5.69 6.31 5.09 4.31 2.83 2.24 4.18 3.25 2.83 2.57 — 3.9
EV/FCF (88.68) 29.15 25.10 17.75 16.70 19.46 29.17 20.88 11.78 (128.30) — (4.7)
Cash, $m
Cash, $m Operating cash flow 11 5 13 14 13 15 16 18 17 (3) 6 n/m
Capex (2) (1) (3) 0 (2) (6) (3) (2) 7 — (1) n/m
Free cash flow 11 5 10 14 11 9 13 16 23 (3) 6 n/m
Balance, $m
Balance, $m Working capital (92) (73) (55) (85) (139) (128) (13) 65 33 80 68 n/m
Net debt 60 107 110 64 45 (7) 240 198 264 223 208 +15.7%
Shareholders’ equity 190 177 172 177 186 190 158 163 154 157 149 (2.1%)
Returns, %
Returns, % ROA 0.40 0.29 0.57 0.70 0.70 0.83 0.78 0.11 (0.30) (0.19) 0.00 (0.6) pt
ROIC 0.00 0.00 1.92 2.88 3.59 6.18 2.57 0.46 (1.13) (0.89) (0.11) (0.9) pt
ROE 2.10 1.87 4.07 5.16 5.69 7.91 8.89 1.41 (4.17) (2.69) (0.03) (4.8) pt
People
People Employees 178 204 201 197 230 288 285 270 227 242 — +3.5%
Revenue/emp, $m 0.00 0.00 0.26 0.29 0.29 0.28 0.32 0.39 0.55 0.49 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

First Northwest Bancorp vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
PROV Provident Financial Holdings, Inc. $112.7M 17.5× 14.9× +1.58% (above 0%: growing) +40.00% (above 0%: growing) +52.70% (above 0%: growing) 69.62% 0.00% Compare
BOTJ Bank of the James Financial Group, Inc. $108.9M 9.5× 9.7× +6.68% (above 0%: growing) +18.33% (above 0%: growing) −90.59% (below 0%: shrinking) 81.91% 0.00% Compare
BYFC Broadway Financial Corporation $106.9M — (loss-making) — (loss-making) +27.12% (above 0%: growing) n/m +24.68% (above 0%: growing) 55.67% 0.00% Compare
PBHC Pathfinder Bancorp, Inc. $105.6M 836× — +9.22% (above 0%: growing) +7,976.92% (above 0%: growing) +155.06% (above 0%: growing) 60.96% 0.00% Compare
PNBK Patriot National Bancorp Inc. $101.6M — (loss-making) 12.1× +44.21% (above 0%: growing) n/m −716.54% (below 0%: shrinking) 61.76% 0.00% Compare
FNWB First Northwest Bancorp $96.0M — (loss-making) 128× −3.97% (below 0%: shrinking) n/m −247.30% (below 0%: shrinking) 59.40% 0.00%
AUBN Auburn National Bancorporation, Inc. $92.1M 10.7× — +5.12% (above 0%: growing) +26.92% (above 0%: growing) −25.23% (below 0%: shrinking) 76.51% 0.00% Compare
FDSB Fifth District Bancorp, Inc. $91.7M 52.0× — −34.40% (below 0%: shrinking) −86.89% (below 0%: shrinking) +457.01% (above 0%: growing) 65.53% 0.00% Compare
CPBI Central Plains Bancshares, Inc. $86.8M 17.5× 5.0× +15.12% (above 0%: growing) +50.00% (above 0%: growing) +73.89% (above 0%: growing) 70.52% 0.00% Compare
Median of peers $103.6M 17.5× 10.9× +7.95% +33.46% +38.69% 67.58% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 9 April 2026

Ownership

Directors and executive officers, together 4.14%
Fourthstone LLC 9.89%
First Northwest Bancorp Employee Stock Ownership Plan 9.57%
FMR LLC 7.89%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

First Northwest Bancorp (FNWB) Latest News

29 Oct

Impact 3 · · Zacks
Impact 3 ·
Impact 3 · · Zacks

29 Jul

Impact 3 ·
Impact 3 ·

29 Apr

Impact 4 · · GlobeNewswire
Impact 3 · · Zacks

29 Jan

Impact 4 · · GlobeNewswire
Impact 3 · · Zacks
Impact 3 · · GlobeNewswire

27 Oct

Impact 4 ·
Impact 3 · · Zacks

29 Sep

Impact 3 · · ZacksSimply Wall St.StockStoryStockStory

15 Sep

Impact 4 · · bankingdive.com

12 Sep

Impact 3 · · GlobeNewswire

7 Sep

Impact 3 ·

24 Jul

Impact 4 ·
Impact 4 ·

23 Jul

Impact 3 · · GlobeNewswire

14 Jul

Impact 3 · · bankingdive.com

9 Jul

Impact 3 · · GlobeNewswire

27 Apr

Impact 3 · · Simply Wall St.

24 Apr

Impact 3 · · GlobeNewswire earnings

27 Mar

Impact 3 · · GlobeNewswire

13 Mar

Impact 3 ·

26 Feb

Impact 3 · · GlobeNewswire

31 Jan

Impact 3 ·

9 Jan

Impact 3 ·

30 Dec

Impact 3 · · GlobeNewswire

3 Nov

Impact 4 · · Simply Wall St.
stockrow.com/FNWB · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com