First Northwest Bancorp (FNWB)vsU.S. Bancorp (USB)
FNWB
First Northwest Bancorp
$10.32
+5.74%
FINANCIAL SERVICES · Cap: $90.74M
USB
U.S. Bancorp
$59.60
+1.75%
FINANCIAL SERVICES · Cap: $91.50B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 40317% more annual revenue ($27.89B vs $69.00M). USB leads profitability with a 30.0% profit margin vs 2.2%. USB trades at a lower P/E of 11.4x. USB earns a higher WallStSmart Score of 73/100 (B).
FNWB
Hold35
out of 100
Grade: F
USB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Attractively priced relative to earnings
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Large-cap with strong market position
Reasonable price relative to book value
Generating 4.8B in free cash flow
Areas to Watch
0.0% revenue growth
Smaller company, higher risk/reward
ROE of 3.1% — below average capital efficiency
2.2% margin — thin
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FNWB
The strongest argument for FNWB centers on Price/Book.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%.
Bear Case : FNWB
The primary concerns for FNWB are Revenue Growth, Market Cap, Return on Equity. A P/E of 56.1x leaves little room for execution misses. Debt-to-equity of 2.08 is elevated, increasing financial risk.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
FNWB profiles as a value stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
USB is growing revenue faster at 8.4% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (73/100 vs 35/100), backed by strong 30.0% margins. Both earn "Strong Buy" and "Hold" 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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