First Northwest Bancorp (FNWB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
First Northwest Bancorp stock (FNWB) is currently trading at $8.58. First Northwest Bancorp PS ratio (Price-to-Sales) is 1.33. Analyst consensus price target for FNWB is $13.25. WallStSmart rates FNWB as Hold.
- FNWB PE ratio analysis and historical PE chart
- FNWB PS ratio (Price-to-Sales) history and trend
- FNWB intrinsic value — DCF, Graham Number, EPV models
- FNWB stock price prediction 2025 2026 2027 2028 2029 2030
- FNWB fair value vs current price
- FNWB insider transactions and insider buying
- Is FNWB undervalued or overvalued?
- First Northwest Bancorp financial analysis — revenue, earnings, cash flow
- FNWB Piotroski F-Score and Altman Z-Score
- FNWB analyst price target and Smart Rating
First Northwest Bancorp
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Smart Analysis
First Northwest Bancorp (FNWB) · 9 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 operating margin, price/sales, price/book. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
First Northwest Bancorp (FNWB) Key Strengths (5)
Keeps $36 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Revenue surging 63.60% year-over-year
Earnings per share surging 325.00% year-over-year
Paying $1.33 for every $1 of annual revenue
Supporting Valuation Data
First Northwest Bancorp (FNWB) Areas to Watch (4)
Company is destroying shareholder value
Company is losing money with a negative profit margin
Micro-cap company with very limited liquidity and high volatility
Moderate institutional interest at 44.32%
First Northwest Bancorp (FNWB) Detailed Analysis Report
Overall Assessment
This company scores 59/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 5 register as strengths (avg 9.6/10) while 4 fall into concern territory (avg 2.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Revenue Growth. Valuation metrics including Price/Sales (1.33), Price/Book (0.51) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 35.90%. Growth metrics are encouraging with Revenue Growth at 63.60%, EPS Growth at 325.00%.
The Bear Case
The primary concerns are Return on Equity, Profit Margin, Market Cap. Profitability pressure is visible in Return on Equity at -2.69%, Profit Margin at -6.92%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -2.69% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 63.60% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (Return on Equity, Profit Margin). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
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.
FNWB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FNWB's Price-to-Sales ratio of 1.33x trades 43% below its historical average of 2.35x (24th percentile). The current valuation is 71% below its historical high of 4.54x set in Nov 2015, and 133% above its historical low of 0.57x in Aug 2025. Over the past 12 months, the PS ratio has expanded from ~0.8x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for First Northwest Bancorp (FNWB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
First Northwest Bancorp is in a high-growth phase, prioritizing rapid expansion over margins. Revenue reached 61M with 64% growth year-over-year. The company is currently unprofitable, posting a -6.9% profit margin.
Key Findings
Revenue growing at 64% YoY, reaching 61M. This pace significantly outperforms most BANKS - REGIONAL peers.
The company is unprofitable with a -6.9% profit margin. The path to breakeven will be the key catalyst.
Free cash flow is -38M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Growth sustainability: can First Northwest Bancorp maintain 64%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 163.0%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 341M is significantly higher than cash (16M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact First Northwest Bancorp.
Bottom Line
First Northwest Bancorp is a high-conviction growth story with revenue accelerating at 64% while profitability is still developing. For growth-oriented investors, the trajectory is compelling. For value investors, the thin -6.9% margins and premium valuation suggest patience until the unit economics mature further.
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 Northwest Bancorp(FNWB)
NASDAQ
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.