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

First Northwest Bancorp and FIRST US BANCSH are both Banks Regional companies. First Northwest Bancorp is the larger, with a market value of $96.0M against $84.5M — 1.1× the size. First Northwest Bancorp has negative trailing earnings, so its P/E is not meaningful; FIRST US BANCSH trades at 11.9×. FIRST US BANCSH grew revenue faster over the last twelve months: 3.13% against −5.00%. FIRST US BANCSH has the higher net margin (12.2% vs −0.04%) and the higher return on invested capital (15.4% vs −0.11%). Only FIRST US BANCSH pays a dividend (1.71%). Across the 18 metrics below, FIRST US BANCSH leads on 13 and First Northwest Bancorp on 5.

Valuation

Metric FNWB FUSB Banks Regional median
P/E n/m 11.88 12.02
P/S 0.80 1.39 2.36
P/B 0.60 0.92 1.23
Price to free cash flow 17.98 8.65 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (0.13%) 8.41% 8.21%
Free cash flow yield 5.56% 11.56% 9.23%

Profitability

Metric FNWB FUSB Banks Regional median
Gross margin 60.06% 65.71% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin (0.04%) 12.15% 18.82%
Free cash flow margin 5.20% 17.36% 17.97%
Return on equity (0.03%) 7.75% 10.28%
Return on assets 0.00% 0.67% 1.13%
Return on invested capital (0.11%) 15.39% 8.45%

Growth

Metric FNWB FUSB Banks Regional median
Revenue growth (TTM) (5.00%) 3.13% 6.37%
EPS growth (last fiscal year) 36.00% (24.81%) 18.85%
Revenue growth, 5-year CAGR 11.93% 6.78% 12.65%
Net income growth, 5-year CAGR 0.00% 17.22% 9.81%

Health

Metric FNWB FUSB Banks Regional median
Debt to equity 2.09 0.11 0.17
Current ratio 1.04 0.90 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FNWB FUSB Banks Regional median
Dividend yield 0.00% 1.71% 2.49%
Payout ratio 0.00 0.21 0.29

Size

Metric FNWB FUSB Banks Regional median
Market cap 96.03m 84.47m 934.85m

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