First Financial Northwest Inc (FFNW) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
First Financial Northwest Inc stock (FFNW) is currently trading at $22.56. First Financial Northwest Inc PE ratio is 188.00. First Financial Northwest Inc PS ratio (Price-to-Sales) is 5.54. Analyst consensus price target for FFNW is $23.00. WallStSmart rates FFNW as Sell.
- FFNW PE ratio analysis and historical PE chart
- FFNW PS ratio (Price-to-Sales) history and trend
- FFNW intrinsic value — DCF, Graham Number, EPV models
- FFNW stock price prediction 2025 2026 2027 2028 2029 2030
- FFNW fair value vs current price
- FFNW insider transactions and insider buying
- Is FFNW undervalued or overvalued?
- First Financial Northwest Inc financial analysis — revenue, earnings, cash flow
- FFNW Piotroski F-Score and Altman Z-Score
- FFNW analyst price target and Smart Rating
First Financial Northwest Inc
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FFNW Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · First Financial Northwest Inc (FFNW)
FFNW trades 2651% above its Graham fair value of $0.82, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
First Financial Northwest Inc (FFNW) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/book, institutional own.. Concerns around market cap and return on equity. Mixed signals suggest waiting for clearer direction before acting.
First Financial Northwest Inc (FFNW) Key Strengths (2)
Trading at 1.29x book value, attractively priced
50.69% held by institutions, strong professional interest
Supporting Valuation Data
First Financial Northwest Inc (FFNW) Areas to Watch (8)
Earnings declining -0.10%, profits shrinking
Very low returns on shareholder equity
Revenue growing slowly at 4.50% annually
Very thin margins, barely profitable
Micro-cap company with very limited liquidity and high volatility
Premium valuation at 5.5x annual revenue
Growth is fairly priced, not cheap, not expensive
Decent operational efficiency, solid but not exceptional
Supporting Valuation Data
First Financial Northwest Inc (FFNW) Detailed Analysis Report
Overall Assessment
This company scores 40/100 in our Smart Analysis, earning a D grade. Out of 10 metrics analyzed, 2 register as strengths (avg 8.0/10) while 8 fall into concern territory (avg 3.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book, Institutional Own.. Valuation metrics including Price/Book (1.29) suggest the stock is attractively priced.
The Bear Case
The primary concerns are EPS Growth, Return on Equity, Revenue Growth. Some valuation metrics including PEG Ratio (1.96), Price/Sales (5.54) suggest expensive pricing. Growth concerns include Revenue Growth at 4.50%, EPS Growth at -0.10%, which may limit upside. Profitability pressure is visible in Return on Equity at 0.66%, Operating Margin at 15.20%, Profit Margin at 2.85%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 0.66% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 4.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. EPS Growth and Return on Equity are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FFNW Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FFNW's Price-to-Sales ratio of 5.54x trades 37% below its historical average of 8.75x (93th percentile). The current valuation is 99% below its historical high of 461.8x set in Oct 2007, and 489% above its historical low of 0.94x in Nov 2010.
WallStSmart Analysis Synopsis
Data-driven financial summary for First Financial Northwest Inc (FFNW) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
First Financial Northwest Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 38M with 5% growth year-over-year. Profit margins are thin at 2.9%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
ROE of 0.7% suggests the company isn't efficiently converting equity into profits.
Free cash flow is -248,000, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Margin expansion: can First Financial Northwest Inc push profit margins above 15% as the business scales?
Valuation compression risk at a P/E of 188.0x. Any growth miss could trigger a sharp correction.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact First Financial Northwest Inc.
Bottom Line
First Financial Northwest Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About First Financial Northwest Inc(FFNW)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
First Financial Northwest, Inc. is the banking holding company for First Financial Northwest Bank providing commercial banking services in Washington. The company is headquartered in Renton, Washington.