First Northwest Bancorp (FNWB)vsU.S. Bancorp (USB)
FNWB
First Northwest Bancorp
$8.58
-1.49%
FINANCIAL SERVICES · Cap: $80.52M
USB
U.S. Bancorp
$51.89
-0.58%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 43414% more annual revenue ($26.35B vs $60.56M). USB leads profitability with a 28.7% profit margin vs -6.9%. USB earns a higher WallStSmart Score of 75/100 (B).
FNWB
Buy59
out of 100
Grade: C
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for FNWB.
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 35.9%
Revenue surging 63.6% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
3.3% earnings growth
Smaller company, higher risk/reward
ROE of -2.7% — below average capital efficiency
Negative free cash flow — burning cash
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FNWB
The strongest argument for FNWB centers on Price/Book, Operating Margin, Revenue Growth. Revenue growth of 63.6% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : FNWB
The primary concerns for FNWB are EPS Growth, Market Cap, Return on Equity. Debt-to-equity of 2.17 is elevated, increasing financial risk.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
FNWB profiles as a hypergrowth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
FNWB is growing revenue faster at 63.6% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 59/100), backed by strong 28.7% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
First Northwest Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Northwest Bancorp is a banking holding company of the First Federal Savings and Loan Association of Port Angeles that provides commercial and consumer banking services to individuals, businesses and non-profit organizations in Western Washington, United States. The company is headquartered in Port Angeles, Washington.
Visit Website →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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