First Northwest Bancorp (FNWB) vs FIRST US BANCSH (FUSB)

First Northwest Bancorp and FIRST US BANCSH are both Banks Regional companies. First Northwest Bancorp and FIRST US BANCSH are of similar size ($95.6M and $90.6M). FIRST US BANCSH trades at the lower P/E: 12.2× against 62.5×. FIRST US BANCSH grew revenue faster over the last twelve months: 3.61% against −4.89%. FIRST US BANCSH has the higher net margin (12.1% vs 1.32%) and the higher return on invested capital (12.3% vs 0.13%). Both pay a dividend; First Northwest Bancorp yields more (2.08% vs 1.92%). Across the 20 metrics below, FIRST US BANCSH leads on 12 and First Northwest Bancorp on 8.

Valuation

Metric FNWB FUSB Banks Regional median
P/E 62.54 12.18 12.15
P/S 0.79 1.45 2.37
P/B 0.56 0.89 1.21
Price to free cash flow 5.39 8.73 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.68 0.62 2.27
Earnings yield 1.60% 8.21% 8.11%
Free cash flow yield 18.54% 11.46% 8.98%

Profitability

Metric FNWB FUSB Banks Regional median
Gross margin 59.52% 65.18% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 1.32% 12.10% 18.66%
Free cash flow margin 14.57% 16.56% 21.18%
Return on equity 0.97% 7.53% 10.64%
Return on assets 0.07% 0.68% 1.13%
Return on invested capital 0.13% 12.31% 8.33%

Growth

Metric FNWB FUSB Banks Regional median
Revenue growth (TTM) (4.89%) 3.61% 6.61%
EPS growth (last fiscal year) 36.00% (24.81%) —
Revenue growth, 5-year CAGR 11.93% 6.78% 12.30%
Net income growth, 5-year CAGR 0.00% 17.22% 9.71%

Health

Metric FNWB FUSB Banks Regional median
Debt to equity 1.98 0.11 0.22
Current ratio 1.04 0.90 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FNWB FUSB Banks Regional median
Dividend yield 2.08% 1.92% 3.75%
Payout ratio 0.16 0.14 0.27

Size

Metric FNWB FUSB Banks Regional median
Market cap 95.59m 90.55m 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack