First Northwest Financials
FNWB Stock | USD 10.32 0.07 0.68% |
Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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Debt Equity Ratio | 2.41 | 2.2975 |
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Current Ratio | 568 | 619 |
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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.
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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 |
Instrument | USA Stock View All |
Exchange | NASDAQ Exchange |
ISIN | US3358341077 |
CUSIP | 335834107 |
Location | Washington; U.S.A |
Business Address | 105 West 8th |
Sector | Banks |
Industry | Financials |
Benchmark | Dow Jones Industrial |
Website | www.ourfirstfed.com |
Phone | 360 457 0461 |
Currency | USD - US Dollar |
First Northwest Key Financial Ratios
Return On Equity | -0.0417 | ||||
Profit Margin | (0.13) % | ||||
Operating Margin | (0.34) % | ||||
Price To Sales | 1.78 X | ||||
Revenue | 112.34 M |
First Northwest Key Balance Sheet Accounts
2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
Total Assets | 1.7B | 1.9B | 2.0B | 2.2B | 2.2B | 1.4B | |
Other Current Liab | (60.0M) | (393K) | (166.5M) | 29.5M | (3.3M) | (3.1M) | |
Net Debt | 44.8M | (6.7M) | 239.8M | 197.8M | (16.8M) | (16.0M) | |
Retained Earnings | 92.7M | 103.0M | 114.4M | 107.3M | 97.2M | 94.9M | |
Accounts Payable | 53K | 393K | 455K | 3.4M | 3.3M | 3.5M | |
Cash | 65.2M | 126.0M | 45.6M | 123.2M | 16.8M | 16.0M | |
Other Assets | 836.7M | 1.1B | 1.3B | 1.0 | 149.6M | 142.1M | |
Net Receivables | 7.0M | 5.3M | 6.7M | 7.9M | 1.7B | 1.8B | |
Other Current Assets | 72.1M | 131.3M | 52.3M | 131.1M | 118.0M | 130.0M | |
Total Liab | 1.5B | 1.7B | 1.9B | 2.0B | 2.1B | 1.3B | |
Total Current Assets | 436.4M | 475.5M | 378.9M | 131.1M | 2.0B | 2.1B | |
Intangible Assets | 2.1M | 3.3M | 3.9M | 3.8M | 3.3M | 2.2M | |
Long Term Debt | 110.0M | 119.3M | 285.4M | 119.4M | 199.5M | 140.1M | |
Inventory | (72.1M) | (131.3M) | (52.3M) | (131.1M) | (118.0M) | (112.1M) | |
Net Tangible Assets | 176.9M | 186.4M | 189.8M | 160.5M | 184.6M | 187.2M | |
Short Long Term Debt | 60.0M | 0.0 | 166M | 201.5M | 136.5M | 110.1M | |
Short Term Debt | 60.0M | 831K | 166M | 201.5M | 231.7M | 243.3M | |
Common Stock | 102K | 100K | 97K | 96K | 93K | 89.7K |
First Northwest Key Income Statement Accounts
2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
Interest Expense | 7.7M | 5.4M | 10.5M | 39.5M | 56.0M | 58.8M | |
Total Revenue | 59.8M | 73.9M | 80.2M | 64.1M | 112.3M | 118.0M | |
Gross Profit | 59.8M | 73.9M | 80.2M | 64.1M | 112.3M | 118.0M | |
Operating Income | 13.3M | 18.6M | 18.5M | 2.7M | 107.8M | 113.2M | |
Ebit | 13.6M | 18.3M | 16.3M | 2.7M | 3.1M | 5.8M | |
Ebitda | 14.9M | 19.7M | 18.4M | 4.3M | 4.9M | 8.5M | |
Income Before Tax | 13.3M | 18.2M | 16.3M | 2.7M | (7.6M) | (7.2M) | |
Net Income | 10.3M | 15.4M | 15.6M | 2.3M | (6.6M) | (6.3M) | |
Income Tax Expense | 3.0M | 3.2M | 2.8M | 549K | (944K) | (896.8K) | |
Tax Provision | 3.0M | 3.2M | 2.8M | 549K | (944K) | (896.8K) | |
Net Interest Income | 43.7M | 58.1M | 69.4M | 60.6M | 55.1M | 48.0M | |
Interest Income | 51.4M | 63.5M | 79.9M | 100.0M | 111.1M | 64.8M |
First Northwest Key Cash Accounts
2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
Change In Cash | 16.4M | 60.9M | (80.4M) | 77.6M | (59K) | (56.1K) | |
Free Cash Flow | 10.0M | 9.1M | 13.0M | 16.3M | (235K) | (223.3K) | |
Depreciation | 1.7M | 1.5M | 2.1M | 1.6M | 78K | 74.1K | |
Other Non Cash Items | (4.3M) | 2.8M | 1.8M | 6.4M | 243K | 230.9K | |
Capital Expenditures | 426K | 1.8M | 6.0M | 2.9M | 1.6M | 0.0 | |
Net Income | 10.3M | 15.0M | 13.5M | 2.3M | (6.6M) | (6.3M) | |
End Period Cash Flow | 65.2M | 126.0M | 45.6M | 123.2M | 441K | 419.0K | |
Investments | (314.5M) | (194.1M) | (232.8M) | (90.6M) | (87.1M) | (91.4M) | |
Net Borrowings | (23.6M) | (3.0M) | 39.2M | 12M | 13.8M | 8.0M | |
Change To Netincome | 787K | (3.6M) | 6.4M | 38K | 43.7K | 41.5K | |
Change Receivables | 117K | (3.0M) | 1.7M | (1.5M) | (1.3M) | (1.2M) | |
Dividends Paid | 2.2M | 2.5M | 2.8M | (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 |
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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.
Information Ratio | 0.005 | |||
Maximum Drawdown | 9.99 | |||
Value At Risk | (2.76) | |||
Potential Upside | 2.68 |
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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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