FNWB

First Northwest Bancorp

48
Fundamentals65/ 100
Valuation50/ 100
Upside potential55/ 100
Risk potential17/ 100

FNWB lost money over the past year, so it has no meaningful PE right now. Analysts expect earnings to recover and profitability to improve.

FNWB Fundamentals

MetricStatus
Stable
Stable
N/A
N/A

FNWB's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like FNWB.

FNWB PE Valuation

FNWB has no meaningful PE right now: it lost money over the past year.

FNWB Forward outlook

MetricOutlook
--
Strong growth
Stable
Improving
Limited
High

Analysts expect FNWB's earnings to grow and its profitability to improve, with its revenue holding steady.

FNWB Risk to reward

ScenarioChangePrice
Upside+21%$11.90
Downside-17%$8.17

Calculated from the latest close: $9.84 on Nov 12.

FNWB's one-year upside scenario is somewhat larger than its downside: +21% against −17%.

FNWB Earnings Per Share

Q4 2023: $0.26Q1 2024: $-0.09Q2 2024: $-0.54Q3 2024: $-1.05Q4 2024: $-0.75Q1 2025: $-1.82Q2 2025: $-1.15Q3 2025: $-0.83Q4 2025: $-0.48Q1 2026: $0.55Q2 2026: $0.16Q3 2026: $-0.01Forward: $0.22
Q4 2023: $0.26Q1 2024: $-0.09Q2 2024: $-0.54Q3 2024: $-1.05Q4 2024: $-0.75Q1 2025: $-1.82Q2 2025: $-1.15Q3 2025: $-0.83Q4 2025: $-0.48Q1 2026: $0.55Q2 2026: $0.16Q3 2026: $-0.01Forward: $0.22
QuarterTTM EPSYoY
Forward$0.22—
Q3 2026-$0.01+$0.82
Q2 2026$0.16+$1.31
Q1 2026$0.55+$2.37
Q4 2025-$0.48+$0.27
Q3 2025-$0.83+$0.22
Q2 2025-$1.15-$0.61
Q1 2025-$1.82-$1.73
Q4 2024-$0.75-388%

FNWB is still losing money, but far less than before: $0.01 per share over the past year, against $1.82 at its worst in early 2025.

FNWB Quarterly Revenue

Q4 2023: $11MQ1 2024: $16MQ2 2024: $22MQ3 2024: $16MQ4 2024: $15MQ1 2025: $18MQ2 2025: $16MQ3 2025: $17MQ4 2025: $18MQ1 2026: $16MQ2 2026: $16MQ3 2026: $16M
Q4 2023: $11MQ1 2024: $16MQ2 2024: $22MQ3 2024: $16MQ4 2024: $15MQ1 2025: $18MQ2 2025: $16MQ3 2025: $17MQ4 2025: $18MQ1 2026: $16MQ2 2026: $16MQ3 2026: $16M
QuarterRevenueYoY
Q3 2026$16.5M-0.5%
Q2 2026$16.2M-1.1%
Q1 2026$16.4M-6.7%
Q4 2025$18.4M+19%
Q3 2025$16.6M+4.9%
Q2 2025$16.4M-24%
Q1 2025$17.6M+9.4%
Q4 2024$15.4M+37%

FNWB's revenue fell from its 2022 peak and has held roughly level since: $16M last quarter, about level with the same quarter a year ago.

FNWB Free Cash Flow

Q4 2023: $2MQ1 2024: −$5MQ2 2024: $8MQ3 2024: $1MQ4 2024: $12MQ1 2025: −$22MQ2 2025: $4MQ3 2025: $5MQ4 2025: $10MQ1 2026: $885,000Q2 2026: $1MQ3 2026: −$7M
Q4 2023: $2MQ1 2024: −$5MQ2 2024: $8MQ3 2024: $1MQ4 2024: $12MQ1 2025: −$22MQ2 2025: $4MQ3 2025: $5MQ4 2025: $10MQ1 2026: $885,000Q2 2026: $1MQ3 2026: −$7M
QuarterFree cash flowYoY
Q3 2026-$6.8M-245%
Q2 2026$1.5M-62%
Q1 2026$885K+$22.6M
Q4 2025$10.3M-18%
Q3 2025$4.7M+309%
Q2 2025$4M-51%
Q1 2025-$21.7M-$16.8M
Q4 2024$12.5M+501%

FNWB's free cash flow was $6M over the past year, against −$569,000 the year before. Free cash flow isn't a meaningful measure for financial services companies like FNWB.

FNWB Total Shares

Q4 2023: 9MQ1 2024: 9MQ2 2024: 9MQ3 2024: 9MQ4 2024: 9MQ1 2025: 9MQ2 2025: 9MQ3 2025: 9MQ4 2025: 9MQ1 2026: 9MQ2 2026: 9MQ3 2026: 9M
Q4 2023: 9MQ1 2024: 9MQ2 2024: 9MQ3 2024: 9MQ4 2024: 9MQ1 2025: 9MQ2 2025: 9MQ3 2025: 9MQ4 2025: 9MQ1 2026: 9MQ2 2026: 9MQ3 2026: 9M
PeriodChange %Net change
Quarterly-0.3%-26.8K shares
1 year+1%+90.2K shares
3 years-0.3%-31.1K shares
5 years-3.9%-364K shares
Available history-10%-1M shares

FNWB has 9M diluted shares, up 1% from a year ago.

FNWB Net Leverage

Q4 2023: 6.1xQ1 2024: -18.4xQ1 2026: -2.9xQ2 2026: -7.4xQ3 2026: -31.1x
Q4 2023: 6.1xQ1 2024: -18.4xQ1 2026: -2.9xQ2 2026: -7.4xQ3 2026: -31.1x
QuarterNet LeverageStatus
Q3 2026-31.1xNet Cash
Q2 2026-7.4xNet Cash
Q1 2026-2.9xNet Cash
Q1 2024-18.4xNet Cash
Q4 20236.1xHigh
Q3 2023-1.1xNet Cash
Q2 2023-1.0xNet Cash
Q1 2023-0.9xNet Cash

FNWB has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like FNWB.

FNWB Weekly Momentum

MetricValueStatus
RSI45.0Neutral
Stochastic20.8Neutral

FNWB's weekly RSI is 45 (neutral) and its Stochastic is 21 (neutral).

FNWB PE vs Financial Services Sector

MetricFNWBSector medianRelative
PE64x13x391% above
PE %976334 pts above

FNWB has no meaningful PE right now: it lost money over the past year.

FNWB Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$9.880.4% below
20 week MA$10.77.9% below
50 week MA$10.23.1% below
100 week MA$9.661.9% above
200 week MA$11.011% below

FNWB's trend is mixed: it's above one of its five weekly moving averages, and 11% below its 200-week average.

FNWB Yearly ROI

YearStart priceEnd priceROI
2020$18.0$15.7-13%
2021$15.7$20.1+28%
2022$20.1$14.5-28%
2023$14.5$15.9+9.6%
2024$15.9$10.2-36%
2025$10.2$9.72-4.6%
2026 YTD$9.72$9.84+1.2%

FNWB has finished lower in four of the last six years. It's up 1.2% so far in 2026.

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