First Northwest Bancorp (FNWB) AI Stock Analysis

• Market Cap: $82.22M
• Dividend Yield: 2.88%
• Average Volume (3M): 21.84K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.32
• Revenue Growth: 8.02%
• EPS Growth: 21.36%
• Country: US
• Employees: 227
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.04
• Shares Outstanding: 9,450,547
• 10 Day Avg. Volume: 10,691
• 30 Day Avg. Volume: 21,836
• PEG Ratio: 0.59
• Price to Book (P/B): 0.57
• Price to Sales (P/S): 0.84
• P/FCF Ratio: 62.73
• Enterprise Value/Market Cap: 4.76
• Enterprise Value/Revenue: 3.65
• Enterprise Value/Gross Profit: 7.72
• Enterprise Value/Ebitda: -75.61
• 1Y Price Target: $13.50
• Price Target Upside: 55.17% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 0.48
• Revenue Forecast (FY): $72.30M

• Rating: 46 Neutral
• Price Target: $8.50 ▼(-2.30% Downside)
• Action: Reiterated Date: 02/19/26
• Date: Action: Reiterated 02/19/26

The score is driven down primarily by weak financial performance (losses in 2024–2025, elevated leverage, and operating/free cash flow reported at zero in 2025). Technicals are mixed with neutral momentum and some longer-term trend support, while valuation is constrained by a negative P/E despite a moderate dividend yield.

Positive Factors

Deposit-funded community banking model

A deposit-funded, community-oriented banking model supports durable net interest margins and lower wholesale funding dependence. Stable local deposit bases and retail/commercial relationships promote predictable funding, helping sustain lending and fee income over multiple quarters.

Negative Factors

Shift to sustained losses

A multi-year shift into losses undermines retained earnings and ROE, reducing the bank's ability to internally fund growth or absorb credit stress. Persistent negative earnings pressure can force cost cuts, capital raises, or divestitures, limiting strategic flexibility over months.

First Northwest Bancorp Business Overview & Revenue Model

Company Description

First Northwest Bancorp operates as a bank holding company for First Fed Bank that provides commercial and consumer banking services to individuals, businesses, and nonprofit organizations in western Washington, the United States. It accepts vario...

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First Northwest Bancorp operates as a bank holding company for First Fed Bank that provides commercial and consumer banking services to individuals, businesses, and nonprofit organizations in western Washington, the United States. It accepts vario...

How the Company Makes Money

FNWB makes money primarily through its banking subsidiary by earning interest income on loans and investments and by collecting fees for financial services. The core revenue engine is net interest income: the bank originates and holds loans (e.g.,...

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FNWB makes money primarily through its banking subsidiary by earning interest income on loans and investments and by collecting fees for financial services. The core revenue engine is net interest income: the bank originates and holds loans (e.g.,...

First Northwest Bancorp Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	107.19M	117.03M	104.92M	90.70M	79.31M
Gross Profit	50.67M	44.52M	64.13M	78.66M	72.59M
EBITDA	-5.17M	-6.14M	4.29M	18.40M	19.72M
Net Income	-4.19M	-6.61M	2.29M	15.64M	15.42M
Balance Sheet
Total Assets	2.11B	2.23B	2.20B	2.04B	1.92B
Cash, Cash Equivalents and Short-Term Investments	285.84M	412.79M	418.79M	372.17M	470.23M
Total Debt	324.58M	353.55M	327.36M	285.36M	119.28M
Total Liabilities	1.95B	2.08B	2.04B	1.88B	1.73B
Stockholders Equity	157.26M	153.88M	163.34M	161.57M	190.96M
Cash Flow
Free Cash Flow	1.43M	16.88M	16.30M	12.99M	9.14M
Operating Cash Flow	1.43M	16.88M	17.88M	15.90M	15.15M
Investing Cash Flow	4.23M	-87.07M	-84.19M	-237.65M	-136.86M
Financing Cash Flow	1.48M	19.47M	143.89M	141.32M	182.57M

First Northwest Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 8.70
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FNWB, the sentiment is Negative. The current price of 8.7 is below the 20-day moving average (MA) of 8.94, below the 50-day MA of 9.73, and below the 200-day MA of 8.75, indicating a bearish trend. The MACD of -0.31 indicates Negative momentum. The RSI at 34.50 is Neutral, neither overbought nor oversold. The STOCH value of 28.38 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FNWB.

First Northwest Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOTJ	78 Outperform	$93.59M	9.36	12.15%	2.18%	6.17%	-6.13%
SSBI	68 Neutral	$88.80M	11.51	6.89%	―	-0.81%	-129.22%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
UBCP	66 Neutral	$94.99M	10.17	12.01%	6.51%	6.31%	-5.00%
FUSB	65 Neutral	$87.01M	13.56	5.80%	2.08%	1.03%	-35.72%
BYFC	54 Neutral	$66.65M	-0.65	-8.79%	―	2.54%	-174.74%
FNWB	46 Neutral	$82.22M	-21.37	-2.76%	2.88%	8.02%	21.36%

First Northwest Bancorp Corporate Events