Saturday 17 October 2026 Export FNWB’s income statement to Excel — free account

First Northwest Bancorp

First Northwest Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $118.6 million, down 5.05% from fiscal 2024. In the quarter to June 2026, revenue fell 6.28%, EPS fell 92.9%, free cash flow fell 86.0% and total debt fell 8.99%, each against the same quarter a year earlier. Dividend growth for five consecutive years; insiders bought in the last twelve months.

9.60 0.03 −0.31%

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Market cap: $91.6M
P/E: 59.7×
Fwd P/E: 51.6×
Dividend yield: 0.00%
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.05

Total sells 0.29

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	1	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	1	—	—

Insider Ownership 9.35%

Capital & Financial Ratios $m

Market Cap 91.60

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 59.74

Fwd P/E 51.60

P/S ratio 0.75

P/B ratio 0.54

Past 5Y EPS Growth —

This Y EPS Growth 116.67%

Next Y EPS Growth 525.00%

Next Y revenue growth (44.50%)

Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 94.57%

10-year low 10-year high

P/S against its own 10 years 11.98%

10-year low 10-year high

P/B against its own 10 years 7.37%

10-year low 10-year high

Dividends

Payout Ratio 0.00

Annual Dividend Rate 0.00

Annual Dividend Yield 0.00%

	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 special payouts not included in total or ratios

Assets vs Liabilities $m

	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

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 $m

	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

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	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

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	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

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	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
	High	16.75	18.35	17.65	18.25	18.00	20.32	23.77	15.99	16.12	12.10
People
People	Employees	178	204	201	197	230	288	285	270	227	242
	Revenue/emp, $m	0.00	0.00	0.26	0.29	0.29	0.28	0.32	0.39	0.55	0.49
Income, $m
Income, $m	Revenue	34	40	52	56	68	79	91	105	125	119
	Gross margin, %	0.00	0.00	82.57	79.68	88.56	93.23	88.41	62.38	55.17	58.11
	EBT	5	7	9	11	13	18	16	3	(8)	(5)
	EBT margin, %	16.08	18.49	16.78	19.69	19.69	22.91	18.02	2.55	(6.05)	(4.58)
	Net income	4	0	7	9	10	15	13	2	(7)	(4)
	Depreciation	3	3	4	2	2	5	5	2	1	0
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
	Earnings	0.33	0.31	0.69	0.92	1.11	1.67	1.71	0.26	(0.75)	(0.48)
	Cash flow	0.93	0.49	1.29	1.43	1.41	1.66	1.75	2.00	1.92	(0.31)
	Capex	0.00	0.00	(0.27)	(0.04)	(0.19)	(0.66)	(0.32)	(0.18)	0.74	0.00
	Free cash flow	0.93	0.49	1.02	1.39	1.22	1.00	1.43	1.83	2.66	(0.31)
	Book value	15.77	16.69	16.67	17.96	19.89	20.85	17.43	18.32	17.52	17.89
	Shares, m	12	11	10	10	9	9	9	9	9	9
Valuation, ×
Valuation, ×	P/E	50.76	28.12	21.19	19.92	14.05	12.02	9.01	64.00	0.00	0.00
	P/S	4.55	3.90	2.96	3.17	2.16	2.33	1.53	1.36	0.72	0.70
	P/B	0.97	0.98	0.89	1.01	0.78	0.97	0.88	0.87	0.58	0.52
	EV/Sales	5.69	6.31	5.09	4.31	2.83	2.24	4.18	3.25	2.83	2.57
	EV/FCF	(88.68)	29.15	25.10	17.75	16.70	19.46	29.17	20.88	11.78	(128.30)
Cash, $m
Cash, $m	Operating cash flow	11	5	13	14	13	15	16	18	17	(3)
	Capex	(2)	(1)	(3)	0	(2)	(6)	(3)	(2)	7	—
	Free cash flow	11	5	10	14	11	9	13	16	23	(3)
Balance, $m
Balance, $m	Working capital	(92)	(73)	(55)	(85)	(139)	(128)	(13)	65	33	80
	Total debt	60	144	137	113	110	119	285	321	336	308
	Net debt	60	107	110	64	45	(7)	240	198	264	223
	Shareholders’ equity	190	177	172	177	186	190	158	163	154	157
Returns, %
Returns, %	ROA	0.40	0.29	0.57	0.70	0.70	0.83	0.78	0.11	(0.30)	(0.19)
	ROIC	0.00	0.00	1.92	2.88	3.59	6.18	2.57	0.46	(1.13)	(0.89)
	ROE	2.10	1.87	4.07	5.16	5.69	7.91	8.89	1.41	(4.17)	(2.69)

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
BYFC Broadway Financial Corporation	$107.2M	— (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.	$106.5M	— (loss-making)	—	+9.22% (above 0%: growing)	n/m	+155.06% (above 0%: growing)	60.96%	0.00%	Compare
PNBK Patriot National Bancorp Inc.	$105.1M	— (loss-making)	12.1×	+44.21% (above 0%: growing)	n/m	−716.54% (below 0%: shrinking)	61.76%	0.00%	Compare
AUBN Auburn National Bancorporation, Inc.	$92.2M	11.0×	—	+5.12% (above 0%: growing)	+26.92% (above 0%: growing)	−25.23% (below 0%: shrinking)	76.51%	0.00%	Compare
FNWB First Northwest Bancorp	$91.6M	59.7×	51.6×	−6.28% (below 0%: shrinking)	−92.86% (below 0%: shrinking)	−85.97% (below 0%: shrinking)	58.91%	0.00%
FUSB FIRST US BANCSH	$90.6M	12.2×	—	+1.73% (above 0%: growing)	+933.33% (above 0%: growing)	−118.35% (below 0%: shrinking)	67.72%	0.00%	Compare
FDSB Fifth District Bancorp, Inc.	$88.4M	49.7×	—	−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.	$82.6M	16.8×	5.0×	+15.12% (above 0%: growing)	+50.00% (above 0%: growing)	+73.89% (above 0%: growing)	70.52%	0.00%	Compare
SSBI Summit State Bank	$81.7M	36.5×	—	−3.24% (below 0%: shrinking)	n/m	−207.35% (below 0%: shrinking)	100.00%	0.00%	Compare
Median of peers	$91.4M	16.8×	—	+7.17%	+38.46%	−0.28%	66.63%	0.00%

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