FNWB
BEARISH
$9.91
Live
First Northwest Bancorp · NASDAQ
Target $13.25
(+33.7%)
$6.05
52W Range
$10.98
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 10, 2026
Market cap
$88.93M
P/E
N/A
ROE
-2.7%
Profit margin
-6.9%
Debt/Equity
N/A
Dividend yield
2.83%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
FNWB exhibits severe fundamental weakness, highlighted by a critical Piotroski F-Score of 1/9, indicating poor financial health and operational deterioration. While the stock trades at a deep discount to book value (P/B 0.56) and shows impressive YoY revenue growth of 63.6%, these are overshadowed by negative ROE (-2.69%) and a profit margin of -6.92%. Furthermore, the dividend is unsustainable with a payout ratio of 107.69%, suggesting the company is paying out more than it earns. Despite a positive analyst target price, the deterministic health metrics signal high risk.
Key Strengths
Deeply undervalued relative to book value (P/B 0.56)
Strong YoY revenue growth of 63.60%
Positive forward P/E of 10.16 suggesting expected return to profitability
Recent 6-month price momentum (+25.1%)
Analyst target price ($13.25) implies significant upside
Key Risks
Critical financial health (Piotroski F-Score 1/9)
Unsustainable dividend payout ratio (107.69%)
Negative Return on Equity (ROE) and Profit Margins
Extreme earnings volatility with frequent and large misses
Micro-cap status ($0.09B) leading to high volatility and liquidity risk
AI Fair Value Estimate
Based on comprehensive analysis
$11.5
+16.0% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
33
Weak
60
45
30
10
20
AI Verdict
Speculative Value Trap
Key drivers: Piotroski F-Score 1/9, P/B 0.56, Negative ROE, Unsustainable Dividend
Confidence
90%
Value
60/100
Trading at a steep discount to assets, but value is eroded by poor earnings quality.
Positives
- P/B ratio of 0.56 is significantly below 1.0
Watchpoints
- Lack of current earnings makes P/E irrelevant
Future
45/100
Top-line growth is strong, but the company struggles to convert revenue into net income.
Positives
- High YoY revenue growth (63.6%)
- Positive Q/Q revenue growth (19.06%)
Watchpoints
- Recent Q/Q EPS growth plummeted by 81.8%
Past
30/100
Long-term trend is bearish despite short-term technical bounces.
Positives
- Recent 6-month recovery
Watchpoints
- 5-year price change of -35.1%
- Consistent history of earnings misses
Health
10/100
Deterministic health scores are in the 'Weak' category, indicating high operational risk.
Positives
No standout positives identified.
Watchpoints
- Piotroski F-Score 1/9
- Negative ROA and ROE
Dividend
20/100
Dividend is a risk factor rather than a benefit due to lack of coverage.
Positives
- Yield of 2.83%
Watchpoints
- Payout ratio of 107.69% indicates dividend is not covered by earnings
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$9.91
Analyst Target
$13.25
Upside/Downside
+33.7%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for FNWB and closest competitors.
Updated 2026-04-09
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
FNWB
First Northwest Bancorp
Primary
|
-35.1% | -13.1% | -3.6% | +25.1% | +7.4% | +8.0% |
|
FUSB
First US Bancshares, Inc.
Peer
|
+75.7% | +111.4% | +23.6% | +28.1% | +5.5% | +1.6% |
|
AUBN
Auburn National Bancorporation, Inc.
Peer
|
-20.2% | +29.4% | +20.2% | -5.4% | -0.9% | +8.0% |
|
BMHL
Bluemount Holdings Limited
Peer
|
-7.6% | -7.6% | -7.6% | -11.6% | +2.1% | -0.9% |
|
BOTJ
Bank of the James Financial Group, Inc.
Peer
|
+68.8% | +56.9% | +39.0% | +33.3% | -3.0% | -1.2% |
FNW
First Northwest Bancorp
Primary
5Y
-35.1%
3Y
-13.1%
1Y
-3.6%
6M
+25.1%
1M
+7.4%
1W
+8.0%
FUS
First US Bancshares, Inc.
Peer
5Y
+75.7%
3Y
+111.4%
1Y
+23.6%
6M
+28.1%
1M
+5.5%
1W
+1.6%
AUB
Auburn National Bancorporation, Inc.
Peer
5Y
-20.2%
3Y
+29.4%
1Y
+20.2%
6M
-5.4%
1M
-0.9%
1W
+8.0%
BMH
Bluemount Holdings Limited
Peer
5Y
-7.6%
3Y
-7.6%
1Y
-7.6%
6M
-11.6%
1M
+2.1%
1W
-0.9%
BOT
Bank of the James Financial Group, Inc.
Peer
5Y
+68.8%
3Y
+56.9%
1Y
+39.0%
6M
+33.3%
1M
-3.0%
1W
-1.2%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
N/A
Forward P/E
10.16
PEG Ratio
N/A
P/B Ratio
0.56
P/S Ratio
1.47
EV/Revenue
5.42
EV/EBITDA
N/A
Market Cap
$88.93M
Profitability
Profit margins and return metrics
Profit Margin
-6.92%
Operating Margin
35.92%
Gross Margin
N/A
ROE
-2.69%
ROA
-0.19%
Growth
Revenue and earnings growth rates
Revenue Growth
+63.6%
Earnings Growth
N/A
Q/Q Revenue Growth
+19.06%
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$9.66
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
2.1%
Total Assets
$2.1B
Liabilities
$2.0B
Equity
$0.2B
Debt/Equity
12.40x
Operating CF
$0.0B
Free Cash Flow
$0.0B
FCF Yield
100%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-01-29
$0.04
-77.1% surprise
2025-10-30
$N/A
2025-10-27
$0.22
+15.8% surprise
2025-07-24
$0.42
+342.1% surprise
Financial Services Sector Comparison
Comparing FNWB against 306 companies in the Financial Services sector
(53 bullish, 132 neutral, 121 bearish)
Return on Equity (ROE)
-2.69%
This Stock
vs
-0.93%
Sector Avg
+190.4%
(Excellent)
Profit Margin
-6.92%
This Stock
vs
69.73%
Sector Avg
-109.9%
(Weaker)
Revenue Growth
63.6%
This Stock
vs
32.66%
Sector Avg
+94.7%
(Fast Growth)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
FNWB
First Northwest Bancorp
|
BEARISH | $88.93M | - | -2.7% | -6.9% | $9.91 | |
|
FUSB
First US Bancshares, Inc.
|
NEUTRAL | $90.25M | 15.65 | 5.9% | 16.2% | $15.65 | Compare |
|
AUBN
Auburn National...
|
NEUTRAL | $91.69M | 12.62 | 8.2% | 22.1% | $26.25 | Compare |
|
BMHL
Bluemount Holdings Limited
|
BEARISH | $94.3M | 73.9 | 30.3% | 18.9% | $3.69 | Compare |
|
BOTJ
Bank of the James...
|
NEUTRAL | $82.33M | 10.35 | 10.9% | 16.6% | $18.12 | Compare |
FNWB
First Northwest Bancorp
BEARISH
Mkt Cap
$89M
P/E
-
ROE
-2.7%
Price
$9.91
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-06 | TERWOERDS LYNN | Director | Stock Award | 2,533 | $23,253 |
| 2026-03-06 | BRENNAN SEAN PATRICK | Director | Stock Award | 2,533 | $23,253 |
| 2026-03-06 | EDELSTEIN DAVID BENJAMIN | Officer | Stock Award | 4,698 | $43,128 |
| 2026-03-06 | HENDERSON KYLE DAVID | Officer | Stock Award | 4,153 | $38,125 |
| 2026-03-06 | BARTEE JOHANNA A. | Director | Stock Award | 2,533 | $23,253 |
| 2026-03-06 | NOMURA PHYLLIS ROSE | Chief Financial Officer | Stock Award | 3,115 | $28,596 |
| 2026-03-06 | MAHANEY ALLISON REBECCA | Officer | Stock Award | 871 | $7,996 |
| 2026-03-06 | FINNIE CINDY H | Director | Stock Award | 2,533 | $23,253 |
| 2026-03-06 | BEHAR DANA D. | Director | Stock Award | 2,533 | $23,253 |
| 2026-03-06 | DAVIS DIANE C. | Director | Stock Award | 2,533 | $23,253 |
| 2026-03-06 | ANDERSON SHERILYN G. | Director | Stock Award | 2,533 | $23,253 |
| 2026-03-06 | GALANDA GABRIEL STEVEN | Director | Stock Award | 2,533 | $23,253 |
| 2026-02-06 | QUEYROUZE CURT | Chief Executive Officer | Purchase | 4,770 | $49,656 |
| 2025-11-07 | MAHANEY ALLISON REBECCA | Officer | Stock Award | 5,000 | $45,400 |
TERWOERDS LYNN
Director
2026-03-06
2,533 shares
·
$23,253
BRENNAN SEAN PATRICK
Director
2026-03-06
2,533 shares
·
$23,253
EDELSTEIN DAVID BENJAMIN
Officer
2026-03-06
4,698 shares
·
$43,128
HENDERSON KYLE DAVID
Officer
2026-03-06
4,153 shares
·
$38,125
BARTEE JOHANNA A.
Director
2026-03-06
2,533 shares
·
$23,253
NOMURA PHYLLIS ROSE
Chief Financial Officer
2026-03-06
3,115 shares
·
$28,596
MAHANEY ALLISON REBECCA
Officer
2026-03-06
871 shares
·
$7,996
FINNIE CINDY H
Director
2026-03-06
2,533 shares
·
$23,253
BEHAR DANA D.
Director
2026-03-06
2,533 shares
·
$23,253
DAVIS DIANE C.
Director
2026-03-06
2,533 shares
·
$23,253
ANDERSON SHERILYN G.
Director
2026-03-06
2,533 shares
·
$23,253
GALANDA GABRIEL STEVEN
Director
2026-03-06
2,533 shares
·
$23,253
QUEYROUZE CURT
Chief Executive Officer
2026-02-06
4,770 shares
·
$49,656
MAHANEY ALLISON REBECCA
Officer
2025-11-07
5,000 shares
·
$45,400
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
2 analysts
Piper Sandler
2025-11-07
Neutral
Overweight
Past News Coverage
Recent headlines mentioning FNWB from our newsroom.
Newest → oldest
No matching news yet.