First Northwest Financials

FNWB Stock  USD 10.32  0.07  0.68%   
Based on the key indicators related to First Northwest's liquidity, profitability, solvency, and operating efficiency, First Northwest Bancorp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in April. At present, First Northwest's Total Stockholder Equity is projected to increase significantly based on the last few years of reporting. The current year's Accounts Payable is expected to grow to about 3.5 M, whereas Common Stock Shares Outstanding is forecasted to decline to about 8.7 M. Key indicators impacting First Northwest's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio2.412.2975
Sufficiently Up
Slightly volatile
Current Ratio568619
Significantly Down
Pretty Stable
The financial analysis of First Northwest is a critical element in measuring its lifeblood. Investors should not minimize First Northwest's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

(6.28 Million)

  
Understanding current and past First Northwest Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of First Northwest's financial statements are interrelated, with each one affecting the others. For example, an increase in First Northwest's assets may result in an increase in income on the income statement.
Please note, the presentation of First Northwest's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, First Northwest's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of First Northwest's management manipulating its earnings.

First Northwest Stock Summary

First Northwest competes with Home Federal, First Financial, First Capital, Community West, and CF Bankshares. First Northwest Bancorp operates as a bank holding company for First Fed Bank that provides commercial and consumer banking services to individuals, businesses, and nonprofit organizations in western Washington, the United States. The company was founded in 1923 and is based in Port Angeles, Washington. First Nw operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 288 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS3358341077
CUSIP335834107
LocationWashington; U.S.A
Business Address105 West 8th
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.ourfirstfed.com
Phone360 457 0461
CurrencyUSD - US Dollar

First Northwest Key Financial Ratios

First Northwest Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets1.7B1.9B2.0B2.2B2.2B1.4B
Other Current Liab(60.0M)(393K)(166.5M)29.5M(3.3M)(3.1M)
Net Debt44.8M(6.7M)239.8M197.8M(16.8M)(16.0M)
Retained Earnings92.7M103.0M114.4M107.3M97.2M94.9M
Accounts Payable53K393K455K3.4M3.3M3.5M
Cash65.2M126.0M45.6M123.2M16.8M16.0M
Other Assets836.7M1.1B1.3B1.0149.6M142.1M
Net Receivables7.0M5.3M6.7M7.9M1.7B1.8B
Other Current Assets72.1M131.3M52.3M131.1M118.0M130.0M
Total Liab1.5B1.7B1.9B2.0B2.1B1.3B
Total Current Assets436.4M475.5M378.9M131.1M2.0B2.1B
Intangible Assets2.1M3.3M3.9M3.8M3.3M2.2M
Long Term Debt110.0M119.3M285.4M119.4M199.5M140.1M
Inventory(72.1M)(131.3M)(52.3M)(131.1M)(118.0M)(112.1M)
Net Tangible Assets176.9M186.4M189.8M160.5M184.6M187.2M
Short Long Term Debt60.0M0.0166M201.5M136.5M110.1M
Short Term Debt60.0M831K166M201.5M231.7M243.3M
Common Stock102K100K97K96K93K89.7K

First Northwest Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense7.7M5.4M10.5M39.5M56.0M58.8M
Total Revenue59.8M73.9M80.2M64.1M112.3M118.0M
Gross Profit59.8M73.9M80.2M64.1M112.3M118.0M
Operating Income13.3M18.6M18.5M2.7M107.8M113.2M
Ebit13.6M18.3M16.3M2.7M3.1M5.8M
Ebitda14.9M19.7M18.4M4.3M4.9M8.5M
Income Before Tax13.3M18.2M16.3M2.7M(7.6M)(7.2M)
Net Income10.3M15.4M15.6M2.3M(6.6M)(6.3M)
Income Tax Expense3.0M3.2M2.8M549K(944K)(896.8K)
Tax Provision3.0M3.2M2.8M549K(944K)(896.8K)
Net Interest Income43.7M58.1M69.4M60.6M55.1M48.0M
Interest Income51.4M63.5M79.9M100.0M111.1M64.8M

First Northwest Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash16.4M60.9M(80.4M)77.6M(59K)(56.1K)
Free Cash Flow10.0M9.1M13.0M16.3M(235K)(223.3K)
Depreciation1.7M1.5M2.1M1.6M78K74.1K
Other Non Cash Items(4.3M)2.8M1.8M6.4M243K230.9K
Capital Expenditures426K1.8M6.0M2.9M1.6M0.0
Net Income10.3M15.0M13.5M2.3M(6.6M)(6.3M)
End Period Cash Flow65.2M126.0M45.6M123.2M441K419.0K
Investments(314.5M)(194.1M)(232.8M)(90.6M)(87.1M)(91.4M)
Net Borrowings(23.6M)(3.0M)39.2M12M13.8M8.0M
Change To Netincome787K(3.6M)6.4M38K43.7K41.5K
Change Receivables117K(3.0M)1.7M(1.5M)(1.3M)(1.2M)
Dividends Paid2.2M2.5M2.8M(2.7M)(2.6M)(2.5M)

First Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining First Northwest's current stock value. Our valuation model uses many indicators to compare First Northwest value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across First Northwest competition to find correlations between indicators driving First Northwest's intrinsic value. More Info.
First Northwest Bancorp is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers . At present, First Northwest's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the First Northwest's earnings, one of the primary drivers of an investment's value.

First Northwest Bancorp Systematic Risk

First Northwest's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. First Northwest volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on First Northwest Bancorp correlated with the market. If Beta is less than 0 First Northwest generally moves in the opposite direction as compared to the market. If First Northwest Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one First Northwest Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of First Northwest is generally in the same direction as the market. If Beta > 1 First Northwest moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in First Northwest Stock are looking for potential investment opportunities by analyzing not only static indicators but also various First Northwest's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of First Northwest growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.0331

At present, First Northwest's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

First Northwest March 24, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of First Northwest help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of First Northwest Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of First Northwest Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing First Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build First Northwest's daily price indicators and compare them against related drivers.

Complementary Tools for First Stock analysis

When running First Northwest's price analysis, check to measure First Northwest's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First Northwest is operating at the current time. Most of First Northwest's value examination focuses on studying past and present price action to predict the probability of First Northwest's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First Northwest's price. Additionally, you may evaluate how the addition of First Northwest to your portfolios can decrease your overall portfolio volatility.
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