First Northwest Bancorp FNWB

10.05 0.00 0.00% as of 25 Sep
Market cap
$95.6M
P/E
62.5×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.05
Total sells 0.29
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — 1 — — — — — — —
Sell — — — — — — — — — — 1 —
Insider Ownership 9.35%

Capital & Financial Ratios

Market Cap 95.59
Revenue 113.54
Net Income 1.50
Free Cash Flow 16.55
Net Debt 214.82
Current Ratio 1.04
Debt/Equity 1.98
P/E ratio 62.54
P/S ratio 0.79
P/B ratio 0.56
Past 5Y EPS Growth (17.87%)
This Y EPS Growth 116.67%
Next Y EPS Growth 525.00%
Next 5Y EPS Growth —
in millions of $

Dividends

Payout Ratio 0.16
Annual Dividend Rate 0.28
Annual Dividend Yield 2.08%
total individual payouts
2027 Powerpack
2026 Powerpack
2025 0.14
0.07
0.07
2024 0.28
0.07
0.07
0.07
0.07
2023 0.28
0.07
0.07
0.07
0.07
2022 0.28
0.07
0.07
0.07
0.07
2021 0.25
0.06
0.06
0.06
0.07
2020 0.21
0.05
0.05
0.05
0.06
2019 0.13
0.03
0.03
0.03
0.04
2018 0.03
0.03
2017 Powerpack
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 123 72 85 98
Receivables — — — —
Inventory — — — —
Other — — — —
1,774 1,756 1,705 1,704
2023 2024 2025 Q'26
Payables 1,677 1,688 1,599 1,607
ST’ Debt — — — —
Other — — — —
1,710 1,723 1,625 1,636
in millions of $

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%)

Revenue

Mar Jun Sep Dec Year
’26 27 27 — — —
’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
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 1 1 — — —
’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
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 0 1 — — —
’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
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.00 0.03 — — —
’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

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
11.99 13.48 13.56 13.86 8.77 13.70 14.22 9.94 8.91 6.05

Analyst estimates 2026–2028

Powerpack
Low Price
16.75 18.35 17.65 18.25 18.00 20.32 23.77 15.99 16.12 12.10
High Price
178 204 201 197 230 288 285 270 227 242
Employees
0 0 0 0 0 0 0 0 1 0
Revenue/Emp
34 40 52 56 68 79 91 105 125 119
Revenue
0.00% 0.00% 82.57% 79.68% 88.56% 93.23% 88.41% 62.38% 55.17% 58.11%
Gross Margin
5 7 9 11 13 18 16 3 (8) (5)
EBT
16.08% 18.49% 16.78% 19.69% 19.69% 22.91% 18.02% 2.55% (6.05%) (4.58%)
EBT Margin
4 0 7 9 10 15 13 2 (7) (4)
Net Income
3 3 4 2 2 5 5 2 1 0
Depreciation
2.81 3.77 5.01 5.72 7.21 8.68 9.99 11.76 14.22 13.50
Revenue/Sh
0.33 0.31 0.69 0.92 1.11 1.67 1.71 0.26 (0.75) (0.48)
Earnings/Sh
0.93 0.49 1.29 1.43 1.41 1.66 1.75 2.00 1.92 (0.31)
Cash Flow/Sh
0.00 0.00 (0.27) (0.04) (0.19) (0.66) (0.32) (0.18) 0.74 0.00
Capex/Sh
0.93 0.49 1.02 1.39 1.22 1.00 1.43 1.83 2.66 (0.31)
Free CF/Sh
15.77 16.69 16.67 17.96 19.89 20.85 17.43 18.32 17.52 17.89
Book Value/Sh
12 11 10 10 9 9 9 9 9 9
Shares
50.76 28.12 21.19 19.92 14.05 12.02 9.01 64.00 0.00 0.00
PE Ratio
4.55 3.90 2.96 3.17 2.16 2.33 1.53 1.36 0.72 0.70
PS Ratio
0.97 0.98 0.89 1.01 0.78 0.97 0.88 0.87 0.58 0.52
PB Ratio
5.69 6.31 5.09 4.31 2.83 2.24 4.18 3.25 2.83 2.57
EV/Sales
(88.68) 29.15 25.10 17.75 16.70 19.46 29.17 20.88 11.78 (128.30)
EV/FCF
11 5 13 14 13 15 16 18 17 (3)
Op' Cash Flow
(2) (1) (3) 0 (2) (6) (3) (2) 7 —
Capex
11 5 10 14 11 9 13 16 23 (3)
FCF
(92) (73) (55) (85) (139) (128) (13) 65 33 80
Working Cap'
60 144 137 113 110 119 285 321 336 308
Total Debt
60 107 110 64 45 (7) 240 198 264 223
Net Debt
190 177 172 177 186 190 158 163 154 157
Sh' Equity
0.40% 0.29% 0.57% 0.70% 0.70% 0.83% 0.78% 0.11% (0.30%) (0.19%)
ROA
0.00% 0.00% 1.92% 2.88% 3.59% 6.18% 2.57% 0.46% (1.13%) (0.89%)
ROIC
2.10% 1.87% 4.07% 5.16% 5.69% 7.91% 8.89% 1.41% (4.17%) (2.69%)
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

First Northwest Bancorp (FNWB) key facts

  • First Northwest Bancorp (FNWB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • First Northwest Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $118.6 million, down 5.05% from fiscal 2024.
  • As of September 25, 2026, FNWB traded at $10.05, a market capitalization of $95.6 million.
  • First Northwest Bancorp pays an annual dividend of $0.28 per share, a yield of 2.08%, with a payout ratio of 16.3%.
  • Return on equity was −2.69% and debt-to-equity 1.98.

Source: company filings (standardised) and stockrow calculations.

First Northwest Bancorp (FNWB) Latest News

News by impact score

Fine-tune

29 Jul

3

First Northwest Bancorp (FNWB) surpassed Q2 earnings estimates. Q2 earnings beat signals positive near-term momentum for FNWB but remains unlikely to shift long-term trajectory.

3

First Northwest Bancorp reported second quarter 2026 financial results including net income, earnings per share, and balance sheet metrics. Quarterly earnings updates deliver performance data that can shift near-term stock price and sentiment without altering long-term strategy.

29 Apr

4

First Northwest Bancorp (FNWB) reported first quarter 2026 financial results. Quarterly earnings reports directly shape FNWB's financial performance perception and stock trajectory.

3

First Northwest Bancorp (FNWB) reported break-even earnings for the first quarter. Break-even Q1 earnings reflect stagnant profitability, moderately affecting financial performance and market sentiment.

29 Jan

4

First Northwest Bancorp reported its financial results for the fourth quarter of 2025, highlighting key metrics such as net income, earnings per share, and loan growth. The bank experienced an increase in total assets and deposits, reflecting strong customer engagement and market positioning. Management provided insights into strategic initiatives aimed at enhancing operational efficiency and expanding service offerings. The results indicate a positive trajectory for the bank, with a focus on sustainable growth and shareholder value. The financial results indicate significant growth and strategic initiatives that could alter the company's trajectory and investor sentiment.

3

First Northwest Bancorp (FNWB) reported its Q4 earnings, which fell short of analysts' expectations. The bank's financial performance was impacted by various factors, leading to a decline in net income compared to the previous quarter. This disappointing result has raised concerns among investors regarding the bank's future profitability and growth prospects. Earnings miss may affect investor sentiment and financial performance but is not expected to drastically alter the company's trajectory.

3

First Northwest Bancorp reported a net loss of $2.8 million for Q4 2024, an increase from the previous quarter's $2.0 million loss, but an improvement from the $5.5 million loss in Q4 2023. The company declared a $0.07 per share dividend and highlighted a $1.2 million adjusted pre-tax, pre-provision net revenue. The bank's balance sheet restructuring and investment in higher-yielding products positively impacted interest income. However, a $3.8 million provision for credit losses due to charge-offs of six commercial loans negatively affected net income. The company remains optimistic about asset quality improvement in 2025, focusing on growing customer relationships and resolving problem assets. Total deposits decreased slightly, while investment securities increased. The company maintained a strong capital position, with capital ratios exceeding regulatory requirements. The financial results indicate moderate challenges and improvements that could affect key areas like financial performance and asset quality, but the overall impact is balanced by strategic initiatives and capital strength.

27 Oct

4

First Northwest Bancorp reported its financial results for the third quarter of 2025, highlighting key metrics such as net income, earnings per share, and loan growth. The bank experienced an increase in deposits and improved asset quality, contributing to a positive outlook for future performance. Management emphasized strategic initiatives aimed at enhancing operational efficiency and expanding market presence. Overall, the results reflect a solid financial position and commitment to growth. The reported financial results indicate significant improvements in key metrics that could influence future performance and investor sentiment.

3

First Northwest Bancorp (FNWB) reported disappointing Q3 earnings and revenue, falling short of analysts' expectations. The company's financial performance has raised concerns among investors, leading to a decline in stock value. Key metrics such as net income and total revenue did not meet forecasts, prompting discussions about potential operational challenges and future strategies. Earnings and revenue misses may affect investor sentiment and financial performance, but the overall impact is expected to be limited.

29 Sep

3

First Northwest Bancorp (FNWB) experienced a 5.0% increase in its stock price, raising questions about the potential for further gains. Analysts are evaluating the factors contributing to this rise and whether the momentum can be sustained in the coming weeks. Market sentiment appears optimistic, but investors are advised to consider various elements that could influence FNWB's future performance. The stock's recent rise indicates moderate investor interest, but sustainability remains uncertain.

15 Sep

4

First Northwest Bancorp (FNWB) is facing a lawsuit from a hedge fund, which has also announced the appointment of a new CEO. The hedge fund's actions are part of a broader strategy to influence the bank's direction and governance. The lawsuit raises questions about FNWB's management and future operations. The lawsuit and leadership change could significantly impact FNWB's strategic direction and investor sentiment.

12 Sep

3

First Northwest Bancorp has appointed Curt Queyrouze as the new CEO and President of both First Northwest Bancorp and First Fed Bank. This leadership change is expected to guide the company in its strategic direction and enhance its operational effectiveness. Leadership changes can moderately influence company performance and market sentiment.

7 Sep

3

First Northwest Bancorp (FNWB) shareholders have experienced a significant decline, with a 53% loss in stock value over the past three years. The company's performance has raised concerns among investors, reflecting broader challenges in the financial sector. Market dynamics and operational strategies may need reevaluation to regain investor confidence and improve future performance. A 53% loss over three years indicates moderate concerns that could affect investor sentiment and financial performance.

24 Jul

4

First Northwest Bancorp (FNWB) reported its Q2 earnings, surpassing analysts' expectations. The bank's performance was driven by increased net interest income and improved asset quality. Additionally, FNWB's loan growth and effective cost management contributed to the positive results. The earnings report reflects the bank's strong operational strategies and resilience in a competitive market. Surpassing earnings estimates indicates significant operational strength and potential for future growth.

4

First Northwest Bancorp reported improved profitability for the second quarter of 2025, highlighting a significant increase in net income compared to the previous year. The bank attributed this growth to enhanced interest income and effective cost management strategies. Additionally, the company noted a rise in loan demand and a stable asset quality, contributing to its positive financial performance. Overall, the results reflect a strong operational execution and a favorable economic environment. Improved profitability and increased loan demand indicate significant positive shifts in financial performance and market positioning.

23 Jul

3

First Northwest Bancorp announced the appointment of Diane C. Davis to its Board of Directors and the Board of First Fed Bank. With over 25 years in the insurance industry, Davis brings expertise in executive management, strategy, risk management, and corporate governance. Her experience includes serving as President of Farmers New World Life Insurance Company and as Regional Chief Risk Officer at Zurich Insurance Company. Davis expressed her commitment to supporting community banks and their role in local economies. This appointment aligns with First Fed's goals of strong governance and sustainable growth. Diane Davis's extensive experience in risk management and governance may moderately influence First Northwest Bancorp's strategic direction and operational effectiveness.

14 Jul

3

First Northwest Bancorp's CEO has resigned, prompting the appointment of the Chief Operating Officer as the interim chief. The transition comes as the bank navigates its strategic direction and operational challenges. Leadership changes can moderately influence the company's strategic direction and market sentiment.

9 Jul

3

First Northwest Bancorp announced the resignation of CEO Matthew P. Deines, effective July 12, 2025. Geraldine L. Bullard, the current Chief Operating Officer, has been appointed as Interim CEO starting July 13, 2025. The board expressed gratitude for Deines' service and confidence in Bullard's leadership during the transition. An executive search firm has been engaged to find a permanent replacement. Bullard has extensive experience within the company and the banking sector. Leadership transitions can moderately influence company performance and market sentiment.

27 Apr

3

First Northwest Bancorp (NASDAQ:FNWB) has affirmed a dividend of $0.07 per share, yielding 2.7%. Despite a six-year history of dividend payments, the company recently reported insufficient earnings to cover its dividends, raising concerns about sustainability. Earnings per share are projected to decline by 26.8% over the next year, potentially forcing management to choose between maintaining dividends or alleviating financial pressure. Although the company has increased its dividend payments significantly since 2019, a 27% annual decline in earnings per share over the past five years casts doubt on future growth. Overall, the current dividend payment appears unsustainable, and investors should be cautious. Concerns about dividend sustainability and declining earnings per share indicate a moderately noticeable influence on future performance.

24 Apr

3 earnings

First Northwest Bancorp reported a net income of $1.5 million for Q1 2025, reversing a $2.8 million loss in Q4 2024 and improving from $396,000 in Q1 2024. The company declared a $0.07 per share dividend and saw a 14% reduction in nonperforming loans. Adjusted pre-tax, pre-provision net revenue increased to $1.5 million. The company recorded a $1.6 million provision for credit losses, primarily due to charge-offs. Significant events included a $1.1 million BOLI death benefit gain and a $846,000 gain on debt extinguishment. Total deposits decreased by $22 million, while core customer deposits grew by $23 million. The company is evaluating potential stock buybacks due to improved profitability. The improved profitability and reduction in nonperforming loans may moderately influence First Northwest Bancorp's financial performance and market sentiment.

27 Mar

3

First Northwest Bancorp has promoted Phyllis Nomura to Executive Vice President and Chief Financial Officer of First Fed Bank and First Northwest Bancorp. Nomura, who joined First Fed in November 2024, has over 30 years of experience in accounting and finance. She previously held CFO positions at various organizations, including YWCA Seattle King Snohomish and Kosmos Management. Geri Bullard will continue as Chief Operating Officer, focusing on enhancing profitability and efficiency. First Northwest Bancorp, incorporated in 2012, operates First Fed Bank, which has served the Pacific Northwest since 1923. The promotion of a seasoned CFO may moderately influence the company's financial performance and strategic direction.

13 Mar

3

First Northwest Bancorp (FNWB) shareholders have experienced a significant decline, with a 54% loss in stock value over the past three years. The company's performance has raised concerns among investors, reflecting broader challenges in the financial sector. Analysts are closely monitoring FNWB's strategies and market conditions to assess potential recovery or further decline. The substantial loss in stock value indicates a moderately noticeable influence on FNWB's financial performance and investor sentiment.

26 Feb

3

Johanna Bartee has been appointed to the Board of Directors for First Northwest Bancorp and its subsidiary, First Fed Bank. With extensive experience in banking and finance, Bartee is the Executive Director of JST Capital, a Native CDFI. Her background includes roles in institutional and investment banking, and she is actively involved in community development initiatives. This appointment aligns with First Fed's commitment to enhancing leadership focused on economic and social impact. Bartee's expertise in finance and community development may moderately influence FNWB's strategic direction and community engagement efforts.

31 Jan

3

First Northwest Bancorp reported its full year 2024 earnings, revealing revenues that exceeded expectations. However, earnings per share (EPS) fell short of forecasts, indicating mixed financial performance for the period. The results may influence investor sentiment as the company navigates its financial landscape. Mixed financial results can moderately influence investor sentiment and future performance.

9 Jan

3

Insiders at First Northwest Bancorp (FNWB) have purchased a total of US$1.06 million in stock, indicating confidence in the company's future performance. This significant investment by insiders may reflect their positive outlook on FNWB's growth prospects and financial health. Insider buying can signal confidence in the company's future, potentially influencing market sentiment and stock performance.

30 Dec

3

Craig Curtis resigns from the Boards of Directors of First Northwest Bancorp and First Fed, citing the need for more qualified candidates. The Boards are actively recruiting new members. The resignation of a long-serving board member may impact the company's governance and strategic direction, but ongoing recruiting efforts and identified potential candidates suggest a balanced influence.

3 Nov

4

First Northwest Bancorp (NASDAQ:FNWB) is about to trade ex-dividend in 4 days, paying US$0.07 per share, but the company reported a loss last year and earnings have been declining. The article highlights significant concerns about the company's financial health and sustainability of dividend payments.

29 Oct

3

First Northwest Bancorp (FNWB) reported a Q3 loss of $0.23 per share, significantly missing the Zacks Consensus Estimate of $0.05 and down from earnings of $0.28 per share a year ago. Revenues for the quarter were $15.8 million, also below estimates by 8.15% and down from $17.85 million year-over-year. The company has only surpassed consensus EPS estimates once in the last four quarters and has seen its shares decline by 36.5% this year. The current Zacks Rank for FNWB is #3 (Hold), indicating expected performance in line with the market. The outlook for the industry remains weak, with the Banks - West sector in the bottom 39% of Zacks industries. The significant earnings miss and revenue decline indicate a moderately noticeable influence on FNWB's future performance.

3

First Financial Northwest (FFNW) reported a loss in Q3, falling short of revenue estimates. The company's financial performance has raised concerns among investors, as it struggles to meet market expectations. This disappointing result may impact investor sentiment and the company's future outlook. The reported loss and revenue shortfall may moderately influence investor sentiment and financial performance.

3 earnings

First Northwest Bancorp reported a net loss of $2.0 million for Q3 2024, primarily due to increased provisions for credit losses related to certain equity loans. The company terminated an FDIC Consent Order and acknowledged a material weakness in internal controls, leading to a restated quarterly report. Despite challenges, First Northwest Bancorp focused on building relationships with small businesses and individuals, pursuing SBA, treasury, maritime lending, and community banking. The bank's balance sheet restructuring improved asset yields, and deposit growth was noted. Nonperforming assets increased, and a reduction-in-force was implemented to reduce expenses. The company repurchased shares and paid dividends, maintaining strong capital ratios and receiving community accolades. The financial results indicate moderate challenges and strategic adjustments that could affect key areas like financial performance and market sentiment.

stockrow.com/FNWB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com