First Northwest Bancorp (FNWB) Key Metrics
FNWB valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $90.6M
- Enterprise value
- $315.6M
- P/E (TTM)
- 56.0 10-yr median 20.9
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 1.3 10-yr median 2.3
- Price / book
- 0.6 10-yr median 0.9
- EV / EBITDA
- — 10-yr median 9.8
- Dividend yield
- —
- Beta
- 0.62
FNWB key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsFNWB valuation Price multiples at each fiscal year-end price.
FNWB returns How much profit the business earns on the capital it uses.
FNWB per-share figures Results divided by the shares outstanding at year-end.
FNWB financial health Debt, liquidity and how easily interest is covered.
FNWB efficiency & capital use Working capital cycle and where the cash goes.
FNWB valuation history
FNWB returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
FNWB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
FNWB cash returned to shareholders
FNWB price vs earnings per share
FNWB key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $89.6M | $89.3M | $142.5M | $140.5M | $186.4M | $146.7M | $179.9M | $154.7M | $174.5M | $188.0M |
| Enterprise value | $323.5M | $30.1M | $51.1M | $53.6M | −$164.5M | −$112.8M | −$8.6M | $78.6M | $291.9M | −$4.4M |
| P/E ratio | — | — | 62.3 | 9.0 | 12.1 | 14.2 | 20.0 | 21.8 | 52.6 | 47.1 |
| Price / sales | 0.8 | 0.8 | 1.4 | 1.5 | 2.4 | 2.2 | 3.2 | 3.0 | 3.7 | 4.9 |
| Price / book | 0.6 | 0.6 | 0.9 | 0.9 | 1.0 | 0.8 | 1.0 | 0.9 | 1.0 | 1.0 |
| Price / free cash flow | — | 5.3 | 8.7 | 10.8 | 20.4 | 14.6 | 13.2 | 14.7 | 41.9 | 22.1 |
| Price / operating cash flow | — | 5.3 | 8.0 | 8.8 | 12.3 | 12.4 | 12.8 | 11.6 | 33.2 | 17.8 |
| EV / sales | 3.0 | 0.3 | 0.5 | 0.6 | -2.1 | -1.7 | -0.2 | 1.5 | 6.3 | -0.1 |
| EV / EBITDA | — | — | 11.9 | 2.9 | — | — | — | 7.7 | 34.1 | — |
| EV / free cash flow | — | 1.8 | 3.1 | 4.1 | — | — | — | 7.5 | 70.1 | — |
| Earnings yield | −4.7% | −7.4% | 1.6% | 11.1% | 8.3% | 7.0% | 5.0% | 4.6% | 1.9% | 2.1% |
| Free cash flow yield | −3.1% | 18.9% | 11.4% | 9.2% | 4.9% | 6.8% | 7.6% | 6.8% | 2.4% | 4.5% |
| Dividend yield | 1.5% | 3.0% | 1.9% | 2.0% | 1.4% | 1.5% | 0.8% | 0.2% | 0.2% | 0.2% |
| Shareholder yield (dividends + buybacks) | 1.6% | 7.5% | 2.7% | 5.9% | 4.6% | 6.5% | 5.1% | 6.7% | 1.5% | 3.1% |
| Share price at fiscal year-end | $9.38 | $10.20 | $15.94 | $15.36 | $20.20 | $15.60 | $18.13 | $14.83 | $16.30 | $15.60 |
| Per share | ||||||||||
| Revenue per share | $11.22 | $13.36 | $11.73 | $9.92 | $8.59 | $7.18 | $5.67 | $4.95 | $4.35 | $3.18 |
| Earnings per share | −$0.44 | −$0.76 | $0.26 | $1.71 | $1.67 | $1.10 | $0.91 | $0.68 | $0.31 | $0.33 |
| Operating cash flow per share | −$0.29 | $1.93 | $2.00 | $1.74 | $1.64 | $1.26 | $1.42 | $1.28 | $0.49 | $0.88 |
| Free cash flow per share | −$0.29 | $1.93 | $1.82 | $1.42 | $0.99 | $1.07 | $1.38 | $1.01 | $0.39 | $0.71 |
| Cash per share | $9.50 | $47.14 | $46.84 | $40.70 | $50.95 | $45.68 | $36.71 | $27.72 | $2.49 | $24.11 |
| Book value per share | $16.47 | $17.57 | $18.27 | $17.67 | $20.69 | $19.82 | $17.82 | $16.51 | $16.54 | $15.75 |
| Tangible book value per share | $16.04 | $17.07 | $17.72 | $17.13 | $20.21 | $19.60 | $17.73 | $16.41 | $16.44 | $15.66 |
| Dividends per share | $0.14 | $0.30 | $0.30 | $0.30 | $0.27 | $0.23 | $0.14 | $0.03 | $0.03 | $0.03 |
| Capex per share | $0.00 | $0.00 | $0.18 | $0.32 | $0.65 | $0.19 | $0.04 | $0.27 | $0.10 | $0.17 |
| Debt per share | $33.99 | $40.37 | $36.61 | $31.21 | $12.92 | $18.08 | $17.72 | $20.42 | $13.46 | $8.14 |
| Shares outstanding | 9.6M | 8.8M | 8.9M | 9.1M | 9.2M | 9.4M | 9.9M | 10.4M | 10.7M | 12.0M |
| Change in shares outstanding | +9.1% | −2.1% | −2.2% | −0.9% | −1.8% | −5.2% | −4.9% | −2.5% | −11.2% | −0.9% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | −2.7% | −4.2% | 1.4% | 8.9% | 8.2% | 5.7% | 5.2% | 4.1% | 1.8% | 2.1% |
| Return on invested capital (ROIC) | −1.9% | −7.2% | 2.9% | — | — | — | — | 3.6% | 2.5% | — |
| Return on assets (ROA) | −0.2% | −0.3% | 0.1% | 0.8% | 0.9% | 0.7% | 0.7% | 0.6% | 0.3% | 0.4% |
| Return on tangible assets | −0.2% | −0.3% | 0.1% | 0.8% | 0.8% | 0.6% | 0.7% | 0.6% | 0.3% | 0.4% |
| Free cash flow margin | −2.6% | 14.4% | 15.5% | 14.3% | 11.5% | 14.8% | 24.3% | 20.3% | 8.9% | 22.2% |
| Income quality (OCF / net income) | — | — | 7.82 | 1.02 | 0.98 | 1.15 | 1.56 | 1.88 | 1.58 | 2.65 |
| Financial health | ||||||||||
| Total debt | $324.6M | $353.5M | $327.4M | $285.4M | $119.3M | $170.0M | $175.9M | $213.1M | $144.1M | $98.1M |
| Cash & short-term investments | $90.7M | $412.8M | $418.8M | $372.2M | $470.2M | $429.5M | $364.3M | $289.3M | $26.7M | $290.5M |
| Net debt | $233.9M | −$59.2M | −$91.4M | −$86.8M | −$350.9M | −$259.5M | −$188.5M | −$76.2M | $117.4M | −$192.4M |
| Debt / equity | 2.06 | 2.30 | 2.00 | 1.77 | 0.62 | 0.91 | 0.99 | 1.24 | 0.81 | 0.52 |
| Debt / assets | 0.15 | 0.16 | 0.15 | 0.14 | 0.06 | 0.10 | 0.13 | 0.17 | 0.12 | 0.10 |
| Net debt / EBITDA | — | — | −21.31 | −4.72 | −17.80 | −17.36 | −14.86 | −7.47 | 13.71 | −28.18 |
| Current ratio | 0.06 | 0.23 | 0.23 | 0.23 | 0.31 | 7.27 | 5.82 | 3.81 | 0.11 | — |
| Quick ratio | 0.06 | 0.23 | 0.30 | 0.26 | 0.39 | 8.47 | 6.65 | 4.20 | 0.11 | — |
| Interest coverage | -0.1 | -0.1 | 0.1 | 1.6 | 3.4 | 1.7 | 1.0 | 1.0 | 1.4 | 1.1 |
| Working capital | −$1.62B | −$1.41B | −$1.46B | −$1.36B | −$1.11B | $376.4M | $304.9M | $216.3M | −$313.9M | $293.1M |
| Invested capital | $391.2M | $94.6M | $71.9M | $74.8M | −$160.0M | −$73.1M | −$11.6M | $96.1M | $294.4M | −$2.7M |
| Tangible asset value | $153.2M | $149.5M | $158.5M | $153.3M | $186.0M | $184.3M | $176.0M | $171.2M | $175.9M | $188.7M |
| Net current asset value | −$1.85B | −$1.66B | −$1.61B | −$1.48B | −$1.23B | −$1.03B | −$762.2M | −$793.2M | −$998.0M | −$527.1M |
| Graham number | — | — | $10.25 | $26.08 | $27.89 | $22.15 | $19.09 | $15.90 | $10.74 | $10.83 |
| Graham net-net per share | −$194.25 | −$189.47 | −$187.81 | −$167.62 | −$143.25 | −$113.73 | −$79.57 | −$77.57 | −$94.33 | −$44.86 |
| Capital allocation | ||||||||||
| Dividends paid | $1.3M | $2.6M | $2.7M | $2.8M | $2.5M | $2.2M | $1.4M | $335,000 | $335,000 | $335,000 |
| Share buybacks (net) | $113,000 | $4.1M | $1.1M | $5.4M | $6.0M | $7.4M | $7.8M | $10.0M | $2.2M | $5.5M |
| Dividend payout ratio | — | — | 118.1% | 17.8% | 16.4% | 21.1% | 15.7% | 4.7% | 10.1% | 8.4% |
| Dividends + buybacks / free cash flow | — | 39.7% | 23.6% | 63.3% | 93.2% | 95.8% | 67.6% | 98.5% | 61.1% | 68.5% |
| Capex / revenue | 0.0% | 0.0% | 1.5% | 3.2% | 7.6% | 2.7% | 0.8% | 5.5% | 2.3% | 5.4% |
| Capex / operating cash flow | — | 0.0% | 8.8% | 18.3% | 39.7% | 15.4% | 3.0% | 21.3% | 20.6% | 19.5% |
| Capex / depreciation | 0.00 | 0.00 | 0.97 | 1.42 | 3.90 | 1.10 | 0.27 | 1.80 | 0.93 | 1.49 |
| Stock-based compensation / revenue | 1.1% | 1.3% | 2.0% | 2.5% | 3.7% | 2.6% | 3.4% | 3.7% | 4.0% | 1.8% |
| SG&A / revenue | 18.2% | 31.8% | 35.0% | 45.7% | 47.3% | 47.3% | 42.1% | 46.1% | 12.2% | 49.8% |
| Efficiency | ||||||||||
| Days sales outstanding | 25.0 | 25.0 | 25.5 | 24.2 | 28.2 | 29.5 | 25.9 | 25.0 | 22.8 | 25.5 |
| Days of inventory on hand | — | — | -820.6 | -2,781.3 | -5,522.2 | -1,785.7 | -1,253.0 | -543.7 | -725.3 | -928.4 |
| Days payables outstanding | 14.6 | 16.8 | 17.2 | 12.8 | 12.1 | 6.1 | 13.5 | 13.1 | 11.3 | 16.6 |
| Cash conversion cycle (days) | 10.4 | 8.2 | -812.3 | -2,770.0 | -5,506.1 | -1,762.3 | -1,240.6 | -531.8 | -713.8 | -919.6 |
| Receivables turnover | 14.63 | 14.58 | 14.34 | 15.08 | 12.94 | 12.39 | 14.10 | 14.62 | 16.01 | 14.34 |
| Payables turnover | 25.02 | 21.68 | 21.18 | 28.42 | 30.15 | 59.95 | 27.11 | 27.95 | 32.34 | 22.04 |
| Asset turnover | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 |
| Average receivables | $7.3M | $8.0M | $7.3M | $6.0M | $6.1M | $5.4M | $4.0M | $3.5M | $2.9M | $2.7M |
| Average payables | $2.3M | $3.3M | $1.9M | $424,000 | $223,000 | $213,000 | $447,000 | $364,500 | $198,500 | $227,000 |
| Average inventory | — | — | −$91.7M | −$91.8M | −$101.7M | −$62.5M | −$41.6M | −$15.2M | −$12.8M | −$12.7M |
| Intangibles / total assets | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% |
Computed from FNWB's annual financial statements (latest annual report filed March 12, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
FNWB valuation and financial ratios
Based on the latest twelve months, the trailing P/E is 56.0. First Northwest Bancorp earned a return on equity of −2.7% and a return on invested capital of −1.9% in fiscal 2025. It ended the year with $324.6 million of debt and $90.7 million in cash and short-term investments, net debt of $233.9 million. It returned $1.4 million to shareholders: $1.3 million in dividends and $0.1 million in share buybacks. The share count fell 20.7% from 12.0M to 9.6M over 9 years.
See the FNWB income statement, the FNWB chart for price history, or the FNWB stock overview for the latest quote and news.
FNWB key metrics FAQ
What is First Northwest Bancorp's P/E ratio?
First Northwest Bancorp's trailing P/E ratio is 56.0 based on the last twelve months of earnings (as of October 18, 2026). At the end of fiscal 2025 it was —, compared with a 10-year median of 20.9.
What is First Northwest Bancorp's return on equity?
First Northwest Bancorp's return on equity (ROE) was −2.7% in fiscal 2025: net income of -$4.2 million on average shareholders' equity of $155.6 million.
What is First Northwest Bancorp's ROIC?
First Northwest Bancorp's return on invested capital was −1.9% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does First Northwest Bancorp have?
First Northwest Bancorp had total debt of $324.6 million at the end of fiscal 2025, a debt-to-equity ratio of 2.06.
What is First Northwest Bancorp's dividend yield?
First Northwest Bancorp paid $1.3 million in dividends in fiscal 2025 ($0.14 per share), a payout ratio of —.
Does First Northwest Bancorp buy back its shares?
Yes. First Northwest Bancorp spent $0.1 million on net share repurchases in fiscal 2025 Shares outstanding changed +9.1% over the year, to 9.6M..
What is First Northwest Bancorp's free cash flow yield?
First Northwest Bancorp generated -$2.8 million of free cash flow in fiscal 2025, a free cash flow yield of −3.1% on its market value at year-end ($89.6 million).
What is First Northwest Bancorp's current ratio?
First Northwest Bancorp's current ratio was 0.06 at the end of fiscal 2025: current assets were 0.06 times current liabilities.