FFNW · First Financial Northwest, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | $677.0K | $673.0K | $787.0K | - | $677.0K | $798.0K | $665.0K | - | $778.0K |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | $10.35M | $10.74M | - | $9.97M | $9.39M | $7.24M | - | $2.72M |
| Income Tax | - | - | - | - | - | - | - | - | - | - |
| Net Income | - | ($608.0K) | $1.55M | ($1.08M) | - | $1.50M | $1.49M | $2.12M | - | $3.95M |
| EPS - Basic | - | ($0.07) | $0.17 | ($0.12) | - | $0.16 | $0.16 | $0.23 | - | $0.44 |
| EPS - Diluted | - | ($0.07) | $0.17 | ($0.12) | - | $0.16 | $0.16 | $0.23 | - | $0.43 |
Balance Sheet
| Line item | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $45.72M | $81.31M | $58.98M | $49.06M | $30.53M | $57.69M | $53.58M | $80.62M | $24.32M | $24.91M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $1.42B | $1.45B | $1.45B | $1.47B | $1.51B | $1.53B | $1.53B | $1.57B | $1.50B | $1.48B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $1.26B | $1.29B | $1.29B | $1.31B | $1.34B | $1.37B | $1.37B | $1.41B | $1.34B | $1.33B |
| Stockholders' Equity | $161.56M | $160.21M | $160.69M | $160.18M | $161.66M | $159.24M | $158.72M | $159.65M | $160.36M | $157.89M |
| Retained Earnings | $94.89M | $93.69M | $94.30M | $93.94M | $96.21M | $96.21M | $95.90M | $95.60M | $95.06M | $92.93M |
Cash Flow
| Line item | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | - | - | ($4.03M) | - | - | - | $2.13M | - | - |
| Investing Cash Flow | - | - | - | $61.23M | - | - | - | ($16.63M) | - | - |
| Financing Cash Flow | - | - | - | ($38.67M) | - | - | - | $70.79M | - | - |
| CapEx | - | - | - | $155.0K | - | - | - | $55.0K | - | - |
| Free Cash Flow | - | - | - | ($4.18M) | - | - | - | $2.08M | - | - |
Ratios
| Metric | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | -89.8% | 231.1% | -136.7% | - | 221.7% | 186.5% | 319.1% | - | 507.2% |
| Free cash flow margin | - | - | - | -531.4% | - | - | - | 312.0% | - | - |
| FCF / Net income | - | - | - | 3.89 | - | - | - | 0.98 | - | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | - | - | - | - | - | - | - | - | - | - |
| Return on assets | - | -0.0% | 0.1% | -0.1% | - | 0.1% | 0.1% | 0.1% | - | 0.3% |
| Return on equity | - | -0.4% | 1.0% | -0.7% | - | 0.9% | 0.9% | 1.3% | - | 2.5% |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | - | - |
| Equity multiplier | 8.82 | 9.06 | 9.01 | 9.17 | 9.31 | 9.58 | 9.63 | 9.86 | 9.37 | 9.40 |
| Liabilities / Assets | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 | 0.90 | 0.90 | 0.90 | 0.89 | 0.89 |
| Efficiency | ||||||||||
| Asset turnover | - | 0.00 | 0.00 | 0.00 | - | 0.00 | 0.00 | 0.00 | - | 0.00 |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | - | - | - | - | - | - | - | - | - | - |
| P / B | - | - | - | - | - | - | - | - | - | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | 0.0% | -15.7% | 18.3% | - | -13.0% | -17.0% | -15.7% | - | -22.1% |
| Revenue CAGR (3y) | - | -12.2% | -11.5% | 1.0% | - | -12.5% | 0.4% | -12.4% | - | -9.2% |
| Revenue CAGR (5y) | - | -8.2% | -5.2% | 2.4% | - | -4.2% | 3.8% | 0.6% | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Net income growth (YoY) | - | - | 4.5% | - | - | -62.0% | -47.0% | -34.9% | - | 23.4% |
| EPS growth (YoY) | - | - | 6.3% | - | - | -62.8% | -48.4% | -36.1% | - | 26.5% |
| EPS CAGR (3y) | - | - | -24.8% | - | - | -8.7% | -10.1% | 10.6% | - | 19.8% |
| EPS CAGR (5y) | - | - | -12.4% | - | - | -9.9% | -11.8% | -19.0% | - | 19.0% |
| FCF growth (YoY) | - | - | - | - | - | - | - | -78.6% | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | -23.1% | - | - |
| Book value growth (YoY) | -0.1% | 0.6% | 1.2% | 0.3% | 0.8% | 0.9% | 1.2% | 1.2% | 1.6% | -2.2% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2024-12-31.
Product / service
$2.80M totalBOLI$1.25M · 44.5%
Debit Cardand ATMFees$586.0K · 21.0%
Other Deposit Related Fees$337.0K · 12.1%
Other Loan Related Fees$296.0K · 10.6%
Wealth Management Revenue$279.0K · 10.0%
Other Noninterest Income$53.0K · 1.9%
Peer comparison
Same SIC group: State Commercial Banks
Comparing First Financial Northwest against the 5 most active filers in the same SIC group.