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First Northwest Bancorp (FNWB) stock analysis

FNWBNasdaqSavings Institutions, Not Federally CharteredFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 3/30
$9.78−0.06 (-0.61%)

Close on Nov 13, 2026Market cap $93.02MP/E –Yield 1.43%

StockData Score

Prices as of Nov 13, 2026How the score works

Value1Growth0Performance0Health2Dividend0

Weak3 of 30 checks passed

First Northwest Bancorp passes 3 of the 30 checks behind our score; 19 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
1/6
Growth
0/6
Past performance
0/6
Financial health
2/6
Dividend
0/6

What stands out

  • Loans funded by deposits

    Loans equal 96.5% of deposits, so lending is funded by customer deposits.

  • P/S below the industry

    First Northwest Bancorp's price-to-sales of 1.38 is below the Savings Institutions median of 3.72.

  • Adequate loan-loss reserve

    The allowance for credit losses is 1.0% of loans; we look for at least 1%.

What to watch

  • Revenue growing under 10% a year

    Revenue grew -4.9% a year over the last three fiscal years, short of the 10% we look for.

  • Growing slower than the industry

    Revenue grew 2.3% over the last twelve months; the Savings Institutions median is 8.4%.

  • Return on assets under 1%

    Return on assets was -0.0%; for a bank or insurer, 1% or more is considered good.

  • Net margin below its 5-year average

    Net margin was -0.1% over the last twelve months, against a 5-year average of 5.6%.

Valuation1/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S below the industry

    First Northwest Bancorp's price-to-sales of 1.38 is below the Savings Institutions median of 3.72.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth0/6

  • Revenue growing under 10% a year

    Revenue grew -4.9% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growth over 3 years

    Needs positive EPS three years ago and today.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growing slower than the industry

    Revenue grew 2.3% over the last twelve months; the Savings Institutions median is 8.4%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance0/6

  • Return on equity

    Needs positive equity and five years of results.

  • Return on assets under 1%

    Return on assets was -0.0%; for a bank or insurer, 1% or more is considered good.

  • Return on equity against the industry

    Needs positive equity.

  • Earnings over 5 years

    Needs positive net income five years ago and in the latest year.

  • Net margin below its 5-year average

    Net margin was -0.1% over the last twelve months, against a 5-year average of 5.6%.

  • Net margin below the industry

    First Northwest Bancorp's net margin of -0.1% is below the Savings Institutions median of 21.8%.

Financial health2/6

  • Well capitalized

    Needs equity and total assets.

  • Loans funded by deposits

    Loans equal 96.5% of deposits, so lending is funded by customer deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is 1.0% of loans; we look for at least 1%.

  • High cost base

    Non-interest expense takes 99.7% of revenue; under 60% is efficient for a bank.

  • Deposits shrinking

    Deposits fell 1.1% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend0/6

  • No dividend

    First Northwest Bancorp has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for First Northwest Bancorp. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 10.3
  • Savings Institutions median 13.6

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

High risk

Average value traded per day
$277.86K
Value traded per 1% price move
$263.26K

Downside

Low risk

Typical loss in a bad month
13.7%
Volatility (annualized)
25%
Sharpe ratio, 1 year
0.04
Beta to the S&P 500 (5Y)
0.32

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2012 to 2025

Net margin

-6.1%−5881.1 pts over 5 years

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