First Northwest Bancorp Stock Analysis

FNWB Stock  USD 10.16  0.06  0.59%   
Below is the normalized historical share price chart for First Northwest Bancorp extending back to January 30, 2015. This chart has been adjusted for all splits and dividends and is plotted against all major global economic recessions. As of today, the current price of First Northwest stands at 10.16, as last reported on the 22nd of February, with the highest price reaching 10.25 and the lowest price hitting 10.05 during the day.
IPO Date
30th of January 2015
200 Day MA
8.7585
50 Day MA
10.0352
Beta
0.551
 
Yuan Drop
 
Covid
 
Interest Hikes
First Northwest Bancorp has over 341.02 Million in debt which may indicate that it relies heavily on debt financing. At present, First Northwest's Net Debt is projected to increase significantly based on the last few years of reporting. The current year's Debt To Equity is expected to grow to 2.28, whereas Short and Long Term Debt Total is forecasted to decline to about 214 M. With a high degree of financial leverage come high-interest payments, which usually reduce First Northwest's Earnings Per Share (EPS).

Asset vs Debt

Equity vs Debt

First Northwest's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. First Northwest's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps First Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect First Northwest's stakeholders.
For many companies, including First Northwest, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for First Northwest Bancorp, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, First Northwest's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book
0.5835
Price Sales
1.5017
Shares Float
6.9 M
Dividend Share
0.14
Wall Street Target Price
13.25
At present, First Northwest's Total Stockholder Equity is projected to increase significantly based on the last few years of reporting. The current year's Common Stock Total Equity is expected to grow to about 91.1 K, whereas Common Stock Shares Outstanding is forecasted to decline to about 8.7 M. . As of February 22, 2026, Price To Sales Ratio is expected to decline to 0.79. The current year's Price Earnings Ratio is expected to grow to -20.31.
First Northwest Bancorp is undervalued with Real Value of 11.69 and Target Price of 13.25. The main objective of First Northwest stock analysis is to determine its intrinsic value, which is an estimate of what First Northwest Bancorp is worth, separate from its market price. There are two main types of First Northwest's stock analysis: fundamental analysis and technical analysis.
The First Northwest stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and First Northwest's ongoing operational relationships across important fundamental and technical indicators.
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First Northwest Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in private.

First Stock Analysis Notes

About 16.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 0.58. Some equities with similar Price to Book (P/B) outperform the market in the long run. First Northwest Bancorp recorded a loss per share of 0.48. The entity last dividend was issued on the 9th of May 2025. First Northwest Bancorp operates as a bank holding company for First Fed Bank that provides commercial and consumer banking services to individuals, businesses, and nonprofit organizations in western Washington, the United States. The company was founded in 1923 and is based in Port Angeles, Washington. First Nw operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 288 people. To learn more about First Northwest Bancorp call Matthew Deines at 360 457 0461 or check out https://www.ourfirstfed.com.

First Northwest Quarterly Total Revenue

18.38 Million

First Northwest Bancorp Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. First Northwest's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding First Northwest Bancorp or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
The company reported the previous year's revenue of 107.19 M. Net Loss for the year was (4.19 M) with profit before overhead, payroll, taxes, and interest of 60.56 M.
First Northwest has a strong financial position based on the latest SEC filings
About 16.0% of the company shares are held by company insiders
Latest headline from thelincolnianonline.com: Financial Review Zions Bancorporation, N.A. versus First Northwest Bancorp

First Largest EPS Surprises

Earnings surprises can significantly impact First Northwest's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2025-10-30
2025-09-300.190.22010.030115 
2024-07-25
2024-06-300.080.160.08100 
2024-04-25
2024-03-310.120.04-0.0866 
View All Earnings Estimates

First Northwest Environmental, Social, and Governance (ESG) Scores

First Northwest's ESG score is a quantitative measure that evaluates First Northwest's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of First Northwest's operations that may have significant financial implications and affect First Northwest's stock price as well as guide investors towards more socially responsible investments.

First Stock Institutional Investors

Shares
Arrowstreet Capital Limited Partnership2025-06-30
72.9 K
Holdco Asset Management, L.p.2025-06-30
59.8 K
Bank Of America Corp2025-06-30
50.3 K
Pinnacle Holdings, Llc2025-06-30
47 K
Bridgeway Capital Management, Llc2025-06-30
38.1 K
Captrust Financial Advisors2025-06-30
35.7 K
Coldstream Capital Management Inc2025-06-30
35.5 K
State Street Corp2025-06-30
33 K
Citadel Advisors Llc2025-06-30
24.8 K
Fourthstone Llc2025-06-30
937.4 K
Fmr Inc
848.7 K
Note, although First Northwest's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

First Market Capitalization

The company currently falls under 'Micro-Cap' category with a current market capitalization of 90.95 M.

First Profitablity

The company has Profit Margin (PM) of (0.07) %, which may suggest that it does not properly executes on its current pricing strategies or is unable to control all of the operational costs. This is way below average. Similarly, it shows Operating Margin (OM) of 0.08 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.08.
Last ReportedProjected for Next Year
Return On Equity(0.03)(0.03)

Management Efficiency

The current year's Return On Tangible Assets is expected to grow to -0.0019. The current year's Return On Capital Employed is expected to grow to -0.0044. At present, First Northwest's Other Current Assets are projected to increase significantly based on the last few years of reporting. The current year's Total Current Assets is expected to grow to about 2 B, whereas Total Assets are forecasted to decline to about 1.5 B. First Northwest's management efficiency ratios could be used to measure how well First Northwest manages its routine affairs as well as how well it operates its assets and liabilities.
Last ReportedProjected for Next Year
Book Value Per Share 16.47  11.71 
Tangible Book Value Per Share 16.04  11.52 
Enterprise Value Over EBITDA(80.21)(76.20)
Price Book Value Ratio 0.57  0.54 
Enterprise Value Multiple(80.21)(76.20)
Price Fair Value 0.57  0.54 
Enterprise Value311.7 M194.4 M
Effective management at First Northwest has been a driving force behind its market achievements. We assess the correlation between management practices and financial success to determine the stock's value.
Dividend Yield
0.0139
Operating Margin
0.0752
Profit Margin
(0.07)
Forward Dividend Yield
0.0276
Beta
0.551

Technical Drivers

As of the 22nd of February, First Northwest shows the Mean Deviation of 1.03, downside deviation of 1.1, and Coefficient Of Variation of 958.71. First Northwest Bancorp technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.

First Northwest Bancorp Price Movement Analysis

The output start index for this execution was nine with a total number of output elements of fifty-two. The Triangular Moving Average shows First Northwest double smoothed mean price over a specified number of previous prices (i.e., averaged twice).

First Northwest Bancorp Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific First Northwest insiders, such as employees or executives, is commonly permitted as long as it does not rely on First Northwest's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases First Northwest insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Christopher Riffle over two weeks ago
Disposition of 5019 shares by Christopher Riffle of First Northwest at 15.49 subject to Rule 16b-3
 
Curt Queyrouze over two weeks ago
Acquisition by Curt Queyrouze of 4770 shares of First Northwest at 10.41 subject to Rule 16b-3
 
Phyllis Nomura over a month ago
Disposition of 508 shares by Phyllis Nomura of First Northwest at 9.41 subject to Rule 16b-3
 
Curt Queyrouze over a month ago
Acquisition by Curt Queyrouze of 50000 shares of First Northwest at 7.87 subject to Rule 16b-3
 
Curt Queyrouze over three months ago
Acquisition by Curt Queyrouze of 50000 shares of First Northwest at 7.87 subject to Rule 16b-3
 
Curt Queyrouze over three months ago
Insider Trading
 
Kyle Henderson over six months ago
Acquisition by Kyle Henderson of 3000 shares of First Northwest at 7.7367 subject to Rule 16b-3
 
Matthew Deines over six months ago
Disposition of 2500 shares by Matthew Deines of First Northwest at 8.3 subject to Rule 16b-3
 
Christopher Neros over six months ago
Disposition of 609 shares by Christopher Neros of First Northwest at 9.75 subject to Rule 16b-3
 
Brennan Sean Patrick over six months ago
Acquisition by Brennan Sean Patrick of 1250 shares of First Northwest at 10.35 subject to Rule 16b-3
 
Galanda Gabriel Steven over six months ago
Acquisition by Galanda Gabriel Steven of 1000 shares of First Northwest at 10.81 subject to Rule 16b-3
 
Terwoerds Lynn over six months ago
Acquisition by Terwoerds Lynn of 1476 shares of First Northwest at 15.75 subject to Rule 16b-3

First Northwest Outstanding Bonds

First Northwest issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. First Northwest Bancorp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most First bonds can be classified according to their maturity, which is the date when First Northwest Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

First Northwest Predictive Daily Indicators

First Northwest intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of First Northwest stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

First Northwest Corporate Filings

F4
9th of February 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
13A
5th of February 2026
An amended filing to the original Schedule 13G
ViewVerify
8K
4th of February 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
29th of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
8th of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
19th of December 2025
Other Reports
ViewVerify
8K
10th of December 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
12th of November 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify

First Northwest Forecast Models

First Northwest's time-series forecasting models are one of many First Northwest's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary First Northwest's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

First Northwest Bond Ratings

First Northwest Bancorp financial ratings play a critical role in determining how much First Northwest have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for First Northwest's borrowing costs.
Piotroski F Score
7
StrongView
Beneish M Score
(3.52)
Unlikely ManipulatorView

First Northwest Bancorp Debt to Cash Allocation

As First Northwest Bancorp follows its natural business cycle, the capital allocation decisions will not magically go away. First Northwest's decision-makers have to determine if most of the cash flows will be poured back into or reinvested in the business, reserved for other projects beyond operational needs, or paid back to stakeholders and investors.
First Northwest Bancorp currently holds 341.02 M in liabilities with Debt to Equity (D/E) ratio of 4.32, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about First Northwest's use of debt, we should always consider it together with its cash and equity.

First Northwest Common Stock Shares Outstanding Over Time

First Northwest Assets Financed by Debt

The debt-to-assets ratio shows the degree to which First Northwest uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

First Northwest Debt Ratio

    
  8.8   
It appears most of the First Northwest's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the First Northwest's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of First Northwest, which in turn will lower the firm's financial flexibility.

First Northwest Corporate Bonds Issued

Most First bonds can be classified according to their maturity, which is the date when First Northwest Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

First Short Long Term Debt Total

Short Long Term Debt Total

213.95 Million

At present, First Northwest's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting.

About First Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how First Northwest prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling First shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as First Northwest. By using and applying First Stock analysis, traders can create a robust methodology for identifying First entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin(0.05)(0.05)
Operating Profit Margin(0.05)(0.05)
Net Loss(0.04)(0.04)
Gross Profit Margin 0.47  0.80 

Current First Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. First analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. First analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceConsensus# of Analysts
13.25Buy2Odds
First Northwest Bancorp current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most First analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand First stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of First Northwest Bancorp, talking to its executives and customers, or listening to First conference calls.
First Analyst Advice Details

First Stock Analysis Indicators

First Northwest Bancorp stock analysis indicators help investors evaluate how First Northwest stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading First Northwest shares will generate the highest return on investment. By understating and applying First Northwest stock analysis, traders can identify First Northwest position entry and exit signals to maximize returns.
Begin Period Cash Flow72.4 M
Common Stock Shares Outstanding9.6 M
Total Stockholder Equity157.3 M
Quarterly Earnings Growth Y O Y3.25
Property Plant And Equipment Net24.1 M
Cash And Short Term Investments285.8 M
Cash15.5 M
Net Debt325.5 M
50 Day M A10.0352
Total Current Liabilities841.3 M
Other Operating Expenses113.1 M
Non Current Assets Total38.8 M
Non Currrent Assets Other-3 M

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When running First Northwest's price analysis, check to measure First Northwest's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First Northwest is operating at the current time. Most of First Northwest's value examination focuses on studying past and present price action to predict the probability of First Northwest's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First Northwest's price. Additionally, you may evaluate how the addition of First Northwest to your portfolios can decrease your overall portfolio volatility.
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