First Northwest Bancorp (FNWB) vs Patriot National Bancorp Inc. (PNBK)

First Northwest Bancorp and Patriot National Bancorp Inc. are both Banks Regional companies. First Northwest Bancorp and Patriot National Bancorp Inc. are of similar size ($101.6M and $96.0M). Patriot National Bancorp Inc. grew revenue faster over the last twelve months: 15.6% against −5.00%. First Northwest Bancorp has the higher net margin (−0.04% vs −9.76%) and the lower return on invested capital (−0.11% vs 0.00%). Across the 15 metrics below, First Northwest Bancorp leads on 11 and Patriot National Bancorp Inc. on 4.

Valuation

Metric FNWB PNBK Banks Regional median
P/E n/m n/m 12.02
P/S 0.80 1.44 2.36
P/B 0.60 1.08 1.23
Price to free cash flow 17.98 n/m 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (0.13%) (7.80%) 8.21%
Free cash flow yield 5.56% (19.21%) 9.23%

Profitability

Metric FNWB PNBK Banks Regional median
Gross margin 60.06% 58.32% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin (0.04%) (9.76%) 18.82%
Free cash flow margin 5.20% (27.60%) 17.97%
Return on equity (0.03%) (8.72%) 10.28%
Return on assets 0.00% (0.58%) 1.13%
Return on invested capital (0.11%) 0.00% 8.45%

Growth

Metric FNWB PNBK Banks Regional median
Revenue growth (TTM) (5.00%) 15.58% 6.37%
EPS growth (last fiscal year) 36.00% 98.31% 18.85%
Revenue growth, 5-year CAGR 11.93% 7.91% 12.65%
Net income growth, 5-year CAGR 0.00% 0.00% 9.81%

Health

Metric FNWB PNBK Banks Regional median
Debt to equity 2.09 0.19 0.17
Current ratio 1.04 0.85 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FNWB PNBK Banks Regional median
Dividend yield 0.00% — 2.49%
Payout ratio 0.00 — 0.29

Size

Metric FNWB PNBK Banks Regional median
Market cap 96.03m 101.57m 934.85m

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