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.

IREN

IREN Limited

There isn't enough reported data to score IREN yet.

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.

IREN Fundamentals

MetricStatus
Under pressure
Weak
N/A
N/A

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

FNWB PE Valuation

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

IREN PE Valuation

IREN 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.

IREN Forward outlook

MetricOutlook
--
Losses growing
Strong growth
Strongly improving
Limited
Low

Analysts expect IREN's losses to grow, with revenue growing. However, they disagree widely on these estimates.

FNWB Risk to reward

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

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

There is not enough scenario data to compare FNWB and IREN's risk to reward.

IREN Risk to reward

ScenarioChangePrice
UpsideUnknownโ€”
DownsideUnknownโ€”

Calculated from the latest close: $19.48 on Nov 12.

There is not enough scenario data to compare FNWB and IREN's risk to reward.

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$0.22โ€”
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 has the edge over IREN on earnings, with more consistent year-over-year improvement.

IREN Earnings Per Share

Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
QuarterTTM EPSYoY
Q3 2026-$3.96-347%
Q2 2026-$2.22-988%
Q1 2026$0.51+$1.10
Q4 2025$1.18+$1.62
Q3 2025$1.60+$1.99
Q2 2025$0.25+$0.45
Q1 2025-$0.59-$0.43
Q4 2024-$0.44-$0.15

IREN has swung to a loss: it lost $3.96 per share over the past year, after a profit the year before.

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.

IREN Quarterly Revenue

Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
QuarterRevenueYoY
Q3 2026$228M-5.1%
Q2 2026$137.2M-27%
Q1 2026$144.8M0%
Q4 2025$184.7M+59%
Q3 2025$240.3M+355%
Q2 2025$187.3M+230%
Q1 2025$144.8M+168%
Q4 2024$116.1M+176%

IREN has the edge over FNWB on sales, with more consistent year-over-year improvement.

FNWB Free Cash Flow

Q4 2023: $2MQ1 2024: โˆ’$5MQ2 2024: $8MQ3 2024: $1MQ4 2024: $12MQ1 2025: โˆ’$22MQ2 2025: $4MQ3 2025: $5MQ4 2025: $10MQ1 2026: $885,000Q2 2026: $1MQ3 2026: โˆ’$7M
Q4 2023: $2MQ1 2024: โˆ’$5MQ2 2024: $8MQ3 2024: $1MQ4 2024: $12MQ1 2025: โˆ’$22MQ2 2025: $4MQ3 2025: $5MQ4 2025: $10MQ1 2026: $885,000Q2 2026: $1MQ3 2026: โˆ’$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 has the edge over IREN on cash generation, producing positive trailing cash flow while its opponent burns cash.

IREN Free Cash Flow

Q4 2023: โˆ’$29MQ1 2024: โˆ’$222MQ2 2024: โˆ’$163MQ3 2024: โˆ’$387MQ4 2024: โˆ’$134MQ1 2025: โˆ’$351MQ2 2025: $16MQ3 2025: โˆ’$38MQ4 2025: โˆ’$468MQ1 2026: โˆ’$874MQ2 2026: $482MQ3 2026: โˆ’$1.6B
Q4 2023: โˆ’$29MQ1 2024: โˆ’$222MQ2 2024: โˆ’$163MQ3 2024: โˆ’$387MQ4 2024: โˆ’$134MQ1 2025: โˆ’$351MQ2 2025: $16MQ3 2025: โˆ’$38MQ4 2025: โˆ’$468MQ1 2026: โˆ’$874MQ2 2026: $482MQ3 2026: โˆ’$1.6B
QuarterFree cash flowYoY
Q3 2026-$1.6B-$1.6B
Q2 2026$482.2M+2895%
Q1 2026-$873.8M-$523.1M
Q4 2025-$468M-$334M
Q3 2025-$38M+$349.4M
Q2 2025$16.1M+$179M
Q1 2025-$350.7M-$128.7M
Q4 2024-$134M-$105.2M

IREN's free cash flow was โˆ’$2.5B over the past year, against โˆ’$507M the year before. Free cash flow isn't a meaningful measure for financial services companies like IREN.

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 the edge over IREN on shareholder dilution, with a more favorable share count trend.

IREN Total Shares

Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
PeriodChange %Net change
Quarterly+26%+82.4M shares
1 year+10%+36.9M shares
3 years+511%+333M shares
5 years+624%+344M shares
Available history+2346%+382M shares

IREN has 399M diluted shares, up 10% 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.

IREN Net Leverage

Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
QuarterNet LeverageStatus
Q1 2026157.6xHigh
Q4 202522.2xHigh
Q3 20254.1xHigh
Q2 20252.0xModerate
Q1 20253.3xElevated
Q4 2024-4.6xNet Cash
Q3 2024-16.7xNet Cash
Q2 2024-15.9xNet Cash

IREN's net debt is more than 20 years of its operating earnings (EBITDA), up from 3.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like IREN.

FNWB Weekly Momentum

MetricValueStatus
RSI45.0Neutral
Stochastic20.8Neutral

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

IREN Weekly Momentum

MetricValueStatus
RSI33.3Neutral
Stochastic8.2Oversold

IREN's weekly RSI is 33 (neutral) and its Stochastic is 8 (oversold).

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.

IREN PE vs Financial Services Sector

MetricIRENSector medianRelative
PEN/A13xโ€”

IREN 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.

IREN Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$29.835% below
20 week MA$36.246% below
50 week MA$42.854% below
100 week MA$32.039% below
200 week MA$19.12.1% above

IREN has fallen below most of its moving averages, though it's still 2.1% above 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 the edge over IREN on returns for 2026, with the stronger performance.

IREN Yearly ROI

YearStart priceEnd priceROI
2021$24.8$17.2-31%
2022$17.2$1.19-93%
2023$1.19$7.15+501%
2024$7.15$10.7+50%
2025$10.7$40.3+276%
2026 YTD$40.3$19.5-52%

IREN's yearly returns have swung widely, from +501% in 2023 to โˆ’93% in 2022. It's down 52% so far in 2026.

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