First Northwest Bancorp (FNWB) vs Summit State Bank (SSBI)

First Northwest Bancorp and Summit State Bank are both Banks Regional companies. First Northwest Bancorp is the larger, with a market value of $91.6M against $81.7M — 1.1× the size. Summit State Bank trades at the lower P/E: 36.5× against 59.7×. First Northwest Bancorp grew revenue faster over the last twelve months: −4.89% against −7.63%. Summit State Bank has the higher net margin (3.87% vs 1.32%) and the lower return on invested capital (0.00% vs 0.13%). Neither pays a dividend. Across the 17 metrics below, First Northwest Bancorp leads on 11 and Summit State Bank on 6.

Valuation

Metric FNWB SSBI Banks Regional median
P/E 59.74 36.47 11.98
P/S 0.75 1.44 2.34
P/B 0.54 n/m 1.19
Price to free cash flow 5.15 13.85 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 1.67% 2.74% 8.23%
Free cash flow yield 19.41% 7.22% 9.08%

Profitability

Metric FNWB SSBI Banks Regional median
Gross margin 59.52% 100.00% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 1.32% 3.87% 18.66%
Free cash flow margin 14.57% 0.00% 21.11%
Return on equity 0.97% 0.00% 10.65%
Return on assets 0.07% 0.00% 1.13%
Return on invested capital 0.13% 0.00% 8.35%

Growth

Metric FNWB SSBI Banks Regional median
Revenue growth (TTM) (4.89%) (7.63%) 6.98%
EPS growth (last fiscal year) 36.00% 287.04% 18.88%
Revenue growth, 5-year CAGR 11.93% 7.55% 12.38%
Net income growth, 5-year CAGR 0.00% (8.36%) 9.71%

Health

Metric FNWB SSBI Banks Regional median
Debt to equity 1.98 0.08 0.22
Current ratio 1.04 0.91 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FNWB SSBI Banks Regional median
Dividend yield 0.00% 0.00% 2.57%
Payout ratio 0.00 0.00 0.30

Size

Metric FNWB SSBI Banks Regional median
Market cap 91.60m 81.66m 913.33m

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