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CoverageForm 410-K10-Q8-K13D13G13F

FNWB · First Northwest Bancorp - 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.

Price · FNWB

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AnnualQuarterly

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue-----$176.0K
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses------
D&A$1.25M$1.41M$1.61M$1.96M$1.43M$1.38M
Operating Income($5.43M)($7.56M)$2.67M$16.34M$13.29M$13.29M
Interest Expense--$39.47M$10.52M$5.37M$7.72M
Income Tax($1.24M)($944.0K)$549.0K$2.85M$3.19M$2.95M
Net Income($4.19M)($6.61M)$2.29M$15.64M$15.42M$10.34M
EPS - Basic($0.48)($0.75)$0.26$1.71$1.63$1.11
EPS - Diluted($0.48)($0.75)$0.26$1.71$1.63$1.10

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents------
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$2.11B$2.23B$2.20B$2.04B$1.92B$1.65B
Current Liabilities------
Long-term Debt-----$109.98M
Total Liabilities$1.95B$2.08B$2.04B$1.88B$1.73B$1.47B
Stockholders' Equity$157.26M$153.88M$163.34M$161.57M$190.96M$186.38M
Retained Earnings$91.70M$97.20M$107.35M$114.42M$103.01M$92.66M

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow($2.76M)$16.88M$17.88M$15.90M$15.15M$11.84M
Investing Cash Flow$132.94M($87.07M)($84.19M)($237.65M)($136.86M)($314.54M)
Financing Cash Flow($117.51M)$19.47M$143.89M$141.32M$182.57M$319.11M
CapEx--$1.57M$2.91M$6.02M$1.82M
Free Cash Flow--$16.30M$12.99M$9.14M$10.02M

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin-----7553.4%
EBITDA margin-----8334.7%
Net margin-----5875.0%
Free cash flow margin-----5694.3%
FCF / Net income--7.130.830.590.97
R&D / Revenue------
SG&A / Revenue------
Effective tax rate--19.4%15.4%17.2%22.2%
Return on assets-0.2%-0.3%0.1%0.8%0.8%0.6%
Return on equity-2.7%-4.3%1.4%9.7%8.1%5.5%
Return on invested capital-----3.5%
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity-----0.59
Debt / Assets-----0.07
Debt / EBITDA-----7.50
Interest coverage--0.1x1.6x2.5x1.7x
Equity multiplier13.4014.5013.4812.6410.068.88
Liabilities / Assets0.930.930.930.920.900.89
Efficiency
Asset turnover-----0.00
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E--61.3x9.0x12.4x14.2x
P / B0.5x0.6x0.9x0.9x1.0x0.8x
P / S-----831.4x
EV / EBITDA--33.2x7.7x12.7x17.5x
Growth
Revenue growth (YoY)------
Revenue CAGR (3y)------
Revenue CAGR (5y)------
Gross profit growth (YoY)------
Operating income growth (YoY)28.1%--83.6%22.9%0.0%19.9%
Net income growth (YoY)36.6%--85.4%1.5%49.1%14.7%
EPS growth (YoY)36.0%--84.8%4.9%48.2%20.9%
EPS CAGR (3y)---38.2%23.4%33.8%49.4%
EPS CAGR (5y)---17.5%39.0%--
FCF growth (YoY)--25.5%42.2%-8.8%-26.7%
FCF CAGR (5y)--9.2%135.6%1.4%2.8%
Book value growth (YoY)2.2%-5.8%1.1%-15.4%2.5%5.4%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2020-12-31.

Product / service

$3.29M total
Credit Card Interchange Income$1.75M · 53.0%
Deposit Fees$1.41M · 42.8%
Debit Interchange Income$136.0K · 4.1%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

3/9
Weak
  • ✗Net income positive
  • ✗Operating cash flow positive
  • ✓ROA improved YoY
  • ✓Cash flow > net income
  • -Long-term debt decreased
  • -Current ratio improved
  • ✓No share dilution
  • -Gross margin improved
  • -Asset turnover improved

Peer comparison

Same SIC group: Savings Institutions, Not Federally Chartered

CompanyRevenue (last FY)Net marginROE
FSBW--10.8%
HFWA$12.01M562.5%7.3%
NYSE:NYCB---2.2%
BHLB$29.95M301.4%3.6%
TCBX--12.5%

Comparing First Northwest Bancorp against the 5 most active filers in the same SIC group.

Dividends

$0.00/share trailing 12 months · -100.0% YoY

Ex-datePer share
May 9, 2025$0.0700
Feb 14, 2025$0.0700
Nov 8, 2024$0.0700
Aug 9, 2024$0.0700
May 9, 2024$0.0700
Feb 8, 2024$0.0700
Nov 9, 2023$0.0700
Aug 10, 2023$0.0700
May 11, 2023$0.0700
Feb 9, 2023$0.0700
Nov 9, 2022$0.0700
Aug 11, 2022$0.0700
May 12, 2022$0.0700
Feb 10, 2022$0.0700
Nov 10, 2021$0.0700
Aug 12, 2021$0.0600
May 13, 2021$0.0600
Feb 11, 2021$0.0600
Nov 12, 2020$0.0600
Aug 13, 2020$0.0500
May 14, 2020$0.0500
Feb 20, 2020$0.0500
Nov 21, 2019$0.0400
Aug 22, 2019$0.0300