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 ($91.6M and $90.6M). FIRST US BANCSH trades at the lower P/E: 12.2× against 59.7×. 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%). Only FIRST US BANCSH pays a dividend (1.70%). Across the 19 metrics below, FIRST US BANCSH leads on 12 and First Northwest Bancorp on 7.

Valuation

Metric FNWB FUSB Banks Regional median
P/E 59.74 12.21 11.98
P/S 0.75 1.45 2.34
P/B 0.54 0.89 1.19
Price to free cash flow 5.15 8.75 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 1.67% 8.19% 8.23%
Free cash flow yield 19.41% 11.43% 9.08%

Profitability

Metric FNWB FUSB Banks Regional median
Gross margin 59.52% 65.18% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 1.32% 12.10% 18.66%
Free cash flow margin 14.57% 16.56% 21.11%
Return on equity 0.97% 7.53% 10.65%
Return on assets 0.07% 0.68% 1.13%
Return on invested capital 0.13% 12.31% 8.35%

Growth

Metric FNWB FUSB Banks Regional median
Revenue growth (TTM) (4.89%) 3.61% 6.98%
EPS growth (last fiscal year) 36.00% (24.81%) 18.88%
Revenue growth, 5-year CAGR 11.93% 6.78% 12.38%
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 0.00% 1.70% 2.57%
Payout ratio 0.00 0.21 0.30

Size

Metric FNWB FUSB Banks Regional median
Market cap 91.60m 90.56m 913.33m

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