First Northwest Bancorp (FNWB) AI Stock Analysis

First Northwest Bancorp serves as the bank holding company for First Fed Bank, providing banking services across western Washington. Founded in 1923 and headquartered in Port Angeles, Washington, the institution caters to individuals, businesses, and nonprofit organizations. Its deposit offerings include checking accounts, savings accounts, and certificates of deposit. Lending services encompass residential mortgages, real estate loans, construction financing, commercial business loans, automobile loans, and home-equity lines of credit. The company has also explored the potential integration of cryptocurrency into its banking solutions.

Between FY2021 and FY2024, revenue increased from $79.3M to $117.0M before declining 8.4% to $107.2M in FY2025, representing a 5-year revenue CAGR of 9.7%. Operating margin compressed from 22.9% in FY2021 to -6.5% in FY2024 and -5.5% in FY2025. Net income dropped from $15.4M in FY2021 to net losses of -$6.6M in FY2024 and -$4.2M in FY2025, with FY2025 EPS at $0.67. Over the trailing twelve months, revenue reached $69.0M with an operating margin of 4.3% and a profit margin of 2.2%. In the latest quarter ended June 30, 2026, quarterly earnings growth fell 92.8% year-over-year.

As of June 30, 2026, First Northwest Bancorp reported $301.7M in cash and short-term investments against total debt of $329.2M, resulting in net debt of $27.5M. Total assets stood at $2.12B, while shareholders' equity was $158.3M, yielding a debt-to-equity ratio of 2.08 and a current ratio of 6.04. In FY2025, operating cash flow was -$2.8M and free cash flow was -$2.8M. Cash usage in FY2025 included $113,000 for share buybacks and $1.3M in dividends paid.

First Northwest Bancorp trades at a trailing P/E of 56.0x, which is above the 12.1x median of its US-listed Financial Services peers. Its price-to-sales ratio of 1.3x is below the peer median of 3.2x, while its price-to-book ratio stands at 0.6x. Enterprise value is $315.6M, representing an EV-to-revenue multiple of 6.3x. Over the past year, the stock returned 22.7%, outperforming the S&P 500 return of 16.8%, but its 5-year return of -41.1% trails the S&P 500 gain of 83.0%.

Analyst coverage consists of 1 Strong Buy, 1 Buy, and no Hold, Sell, or Strong Sell ratings. The mean price target of $15.00 implies upside of 57.6% over the last close of $9.52. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $65.8M and EPS of $0.08. For the next fiscal year, 2 analysts project revenue of $70.4M and EPS of $0.50. The bank beat EPS estimates in 2 of the last 4 quarters, with the next earnings date set for October 26, 2026.

This page is an AI-written research summary of First Northwest Bancorp (FNWB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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