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First Northwest Bancorp (FNWB) Financials

First Northwest Bancorp logo
$12.11 +0.10 (+0.83%)
Closing price 04:00 PM Eastern
Extended Trading
$12.12 +0.02 (+0.12%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for First Northwest Bancorp

Annual Income Statements for First Northwest Bancorp

This table shows First Northwest Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 6/30/2015 6/30/2016 6/30/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 -5.09 3.99 5.12 7.11 9.01 10 15 16 2.29 -6.61 -4.19
Consolidated Net Income / (Loss)		 -5.09 3.99 5.12 7.11 9.01 10 15 13 2.13 -6.61 -4.19
Net Income / (Loss) Continuing Operations		 -5.09 3.99 5.12 7.11 9.01 10 15 13 2.13 -6.61 -4.19
Total Pre-Tax Income 		-5.44 5.45 6.78 8.68 11 13 18 16 2.68 -7.56 -5.43
Total Revenue		 28 34 38 43 45 60 74 80 65 69 69
Net Interest Income / (Expense)		 23 27 32 37 38 44 58 70 61 56 57
Total Interest Income		 27 32 37 46 49 52 64 80 101 112 107
Loans and Leases Interest Income		 22 24 29 37 40 43 55 69 85 95 91
Investment Securities Interest Income		 5.32 8.32 7.33 8.86 8.57 8.27 8.37 11 13 15 13
Deposits and Money Market Investments Interest Income		 0.11 0.06 0.07 0.19 0.24 0.09 0.08 0.38 2.13 2.35 2.05
Total Interest Expense		 4.59 4.77 5.16 9.01 11 7.72 5.37 11 39 56 50
Deposits Interest Expense		 1.67 2.17 2.86 5.35 8.30 6.66 3.40 5.20 27 42 37
Long-Term Debt Interest Expense		 2.92 2.60 2.30 3.66 3.14 1.06 1.98 5.32 12 14 13
Total Non-Interest Income		 4.71 6.18 6.17 5.92 7.01 16 16 10 4.02 13 12
Service Charges on Deposit Accounts		 3.40 3.57 3.51 4.17 - 3.45 4.81 0.87 0.68 0.19 0.43
Other Service Charges		 0.65 0.69 0.44 0.50 4.39 0.99 2.18 6.11 7.38 3.60 8.15
Net Realized & Unrealized Capital Gains on Investments		 0.55 1.80 0.76 0.65 1.91 9.58 7.69 0.94 -4.96 6.11 0.11
Other Non-Interest Income		 0.10 0.11 1.47 0.60 0.71 1.83 0.97 2.41 0.93 2.72 2.95
Provision for Credit Losses		 0.00 0.23 1.26 1.17 0.67 5.05 1.35 1.54 1.32 16 7.32
Total Non-Interest Expense		 33 28 30 33 33 41 54 62 61 60 67
Salaries and Employee Benefits		 13 15 17 19 19 25 34 36 31 33 29
Net Occupancy & Equipment Expense		 5.58 6.20 6.54 7.12 7.27 8.52 11 13 13 14 14
Marketing Expense		 0.43 0.80 0.69 1.00 1.08 1.51 2.04 3.29 2.71 1.46 1.14
Property & Liability Insurance Claims		 0.54 0.42 0.25 0.31 0.08 0.25 0.75 0.89 1.36 1.88 7.47
Other Operating Expenses		 14 5.96 5.05 5.48 5.69 6.61 7.55 9.26 13 9.74 16
Income Tax Expense		 -0.35 1.46 1.66 1.58 2.08 2.95 3.19 2.85 0.55 -0.94 -1.24
Basic Earnings per Share		 ($0.42) $0.33 $0.46 $0.69 $0.92 $1.07 $1.63 $1.71 $0.26 ($0.75) ($0.48)
Weighted Average Basic Shares Outstanding		 12.17M 12.10M 11.08M 11.04M 10.63M 10.12M 10.01M 9.67M 9.44M 9.36M 9.45M
Weighted Average Diluted Shares Outstanding		 12.17M 12.10M 11.08M 11.04M 10.63M 10.12M 10.01M 9.67M 9.44M 9.36M 9.45M
Weighted Average Basic & Diluted Shares Outstanding		 12.17M 12.10M 11.08M 11.04M 10.63M 10.12M 10.01M 9.67M 9.44M 9.36M 9.45M
Cash Dividends to Common per Share		 - - - $0.03 $0.13 $0.21 $0.25 - $0.28 $0.28 $0.14

Quarterly Income Statements for First Northwest Bancorp

This table shows First Northwest Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 2.50 -5.52 0.40 -2.22 -1.98 -2.81 -9.04 3.66 0.80 0.38 0.01
Consolidated Net Income / (Loss)		 2.50 -5.52 0.40 -2.22 -1.98 -2.81 -9.04 3.66 0.80 0.38 0.01
Net Income / (Loss) Continuing Operations		 2.50 -5.52 0.40 -2.22 -1.98 -2.81 -9.04 3.66 0.80 0.38 0.01
Total Pre-Tax Income 		3.11 -6.88 0.84 -2.77 -3.18 -2.45 -10 3.96 -0.15 0.92 -0.31
Total Revenue		 18 11 16 22 16 15 18 16 17 18 16
Net Interest Income / (Expense)		 15 14 14 14 14 14 14 14 15 15 14
Total Interest Income		 26 26 27 29 28 28 27 27 27 26 25
Loans and Leases Interest Income		 22 22 23 24 24 24 23 23 23 23 22
Investment Securities Interest Income		 3.37 3.39 3.63 3.95 3.79 3.66 3.80 3.47 3.24 2.97 2.59
Deposits and Money Market Investments Interest Income		 0.52 0.58 0.65 0.57 0.58 0.55 0.48 0.52 0.57 0.47 0.47
Total Interest Expense		 11 12 13 14 14 14 13 13 12 11 11
Deposits Interest Expense		 7.70 8.76 10 10 11 11 9.74 9.55 9.08 8.65 7.93
Long-Term Debt Interest Expense		 3.19 3.36 3.29 4.20 3.23 2.89 3.24 3.39 3.26 2.80 2.96
Total Non-Interest Income		 2.90 -2.93 2.19 7.35 1.78 1.30 3.78 2.17 2.00 3.69 2.01
Service Charges on Deposit Accounts		 1.17 -3.00 1.32 1.15 1.07 -3.35 1.30 1.19 1.20 -3.26 1.25
Other Service Charges		 1.32 5.17 0.57 -0.05 0.34 2.74 1.03 0.45 0.30 6.36 0.22
Net Realized & Unrealized Capital Gains on Investments		 0.17 -5.36 0.05 5.95 0.06 0.05 0.01 0.04 -0.04 0.10 0.08
Other Non-Interest Income		 0.25 0.26 0.24 0.29 0.32 1.86 1.43 0.49 0.54 0.49 0.47
Provision for Credit Losses		 0.37 1.15 0.97 8.74 3.13 3.66 7.79 -0.36 -0.67 0.56 0.08
Total Non-Interest Expense		 14 17 14 16 16 14 20 13 17 17 17
Salaries and Employee Benefits		 7.80 7.40 8.13 8.59 8.58 7.37 7.72 4.70 8.35 8.04 8.23
Net Occupancy & Equipment Expense		 3.12 3.37 3.18 3.81 3.64 3.62 3.60 3.43 3.45 3.53 3.79
Marketing Expense		 0.50 0.24 0.31 0.38 0.41 0.36 0.27 0.30 0.28 0.29 0.30
Property & Liability Insurance Claims		 0.37 0.42 0.39 0.47 0.53 0.49 6.18 0.46 0.41 6.16 0.36
Other Operating Expenses		 2.59 5.57 2.30 2.36 2.69 2.39 2.23 3.87 4.90 -1.12 3.99
Income Tax Expense		 0.60 -1.35 0.45 -0.55 -1.20 0.36 -1.13 0.30 -0.95 0.53 -0.32
Basic Earnings per Share		 $0.28 ($0.61) $0.04 ($0.25) ($0.23) ($0.31) ($1.03) $0.42 $0.09 $0.04 $0.00
Weighted Average Basic Shares Outstanding		 9.62M 9.44M - 9.44M 9.36M 9.36M 9.44M 9.42M 9.46M 9.45M 9.50M
Weighted Average Diluted Shares Outstanding		 9.62M 9.44M - 9.44M 9.36M 9.36M 9.44M 9.42M 9.46M 9.45M 9.50M
Weighted Average Basic & Diluted Shares Outstanding		 9.62M 9.44M - 9.44M 9.36M 9.36M 9.44M 9.42M 9.46M 9.45M 9.50M

Annual Cash Flow Statements for First Northwest Bancorp

This table details how cash moves in and out of First Northwest Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 6/30/2015 6/30/2016 6/30/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 26 -22 1.64 -10 22 16 61 -80 78 -51 13
Net Cash From Operating Activities		 -1.17 11 1.14 13 14 13 15 16 18 17 -2.76
Net Cash From Continuing Operating Activities		 -1.17 11 -4.02 13 14 13 15 16 18 17 -2.76
Net Income / (Loss) Continuing Operations		 -5.09 3.99 0.00 7.11 9.01 10 15 13 2.13 -6.61 -4.19
Consolidated Net Income / (Loss)		 -5.09 3.99 - 7.11 9.01 10 15 13 2.13 -6.61 -4.19
Provision For Loan Losses		 0.00 0.23 - 1.17 0.67 5.05 1.35 1.54 1.32 16 7.32
Depreciation Expense		 0.97 1.12 1.20 1.33 1.34 1.38 1.43 1.96 1.61 1.41 1.25
Amortization Expense		 1.66 1.70 1.27 2.30 0.78 0.72 3.08 2.82 0.82 -0.84 -1.72
Non-Cash Adjustments to Reconcile Net Income		 -0.57 -3.33 1.03 1.46 0.12 -9.11 1.49 -1.68 6.65 0.37 -2.49
Changes in Operating Assets and Liabilities, net		 1.85 6.87 -7.53 -0.03 2.18 4.89 -7.17 -2.23 5.35 6.06 -2.92
Net Cash From Investing Activities		 -119 -93 -80 -61 -20 -316 -137 -238 -84 -87 133
Net Cash From Continuing Investing Activities		 -119 -93 -80 -61 -20 -315 -137 -238 -84 -87 133
Purchase of Investment Securities		 -164 -257 -160 -149 -73 -580 -364 -278 -139 -169 35
Sale of Property, Leasehold Improvements and Equipment		 - - - - - - - - - 6.51 0.42
Sale and/or Maturity of Investments		 46 166 81 91 53 267 170 43 56 77 98
Other Investing Activities, net		 - - - - - - -0.25 -0.14 -0.26 -2.01 -1.05
Net Cash From Financing Activities		 147 60 81 37 28 319 183 141 144 19 -118
Net Cash From Continuing Financing Activities		 147 60 81 37 28 319 183 141 144 19 -118
Net Change in Deposits		 47 76 100 55 61 332 182 -16 113 11 -89
Issuance of Debt		 17 160 291 690 15 30 79 154 15 105 37
Repayment of Debt		 -44 -170 -294 -697 -39 -33 -70 12 21 -90 -64
Repurchase of Common Equity		 0.00 -5.50 -17 -10 -8.14 -7.59 -6.33 -5.83 -1.43 -4.24 -0.11
Payment of Dividends		 - 0.00 0.00 -0.34 -1.41 -2.19 -2.53 -2.79 -2.70 -2.65 -1.32
Other Financing Activities, Net		 -0.11 -1.15 0.10 -0.43 0.06 -0.03 -0.01 0.27 -0.12 0.22 -0.06
Cash Interest Paid		 4.59 4.85 5.14 8.82 12 8.04 4.55 10 37 56 52
Cash Income Taxes Paid		 0.33 2.09 2.51 1.02 1.70 2.90 4.27 4.45 2.13 0.08 0.01

Quarterly Cash Flow Statements for First Northwest Bancorp

This table details how cash moves in and out of First Northwest Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 5.24 39 -46 5.83 -0.46 -10 -2.13 18 -8.57 5.83 19
Net Cash From Operating Activities		 -2.50 2.58 -4.87 8.11 1.15 12 -22 3.97 4.72 10 0.89
Net Cash From Continuing Operating Activities		 -2.50 2.58 -4.87 8.11 1.15 12 -22 3.97 4.72 10 0.89
Net Income / (Loss) Continuing Operations		 2.50 -5.52 0.40 -2.22 -1.98 -2.81 -9.04 3.66 0.80 0.38 0.01
Consolidated Net Income / (Loss)		 2.50 -5.52 0.40 -2.22 -1.98 -2.81 -9.04 3.66 0.80 0.38 0.01
Provision For Loan Losses		 0.37 1.15 0.97 8.74 3.13 3.66 7.79 -0.36 -0.67 0.56 0.08
Depreciation Expense		 0.40 0.41 0.38 0.36 0.35 0.32 0.33 0.32 0.30 0.30 0.32
Amortization Expense		 0.10 0.13 -0.15 -0.23 -0.23 -0.23 0.00 -0.32 -0.55 -0.53 -0.28
Non-Cash Adjustments to Reconcile Net Income		 1.72 5.64 -0.04 2.21 0.95 -2.75 -4.49 2.77 -0.78 0.01 -0.30
Changes in Operating Assets and Liabilities, net		 -7.59 0.77 -6.42 -0.76 -1.06 14 -16 -2.10 5.63 9.58 1.06
Net Cash From Investing Activities		 5.60 -0.90 -78 27 -37 1.53 69 -10 72 2.20 -5.60
Net Cash From Continuing Investing Activities		 5.60 -0.90 -78 27 -37 1.53 69 -10 72 2.20 -5.60
Purchase of Investment Securities		 0.96 -48 -45 -64 -40 -20 -22 -46 59 -8.24 -35
Sale and/or Maturity of Investments		 4.64 47 -33 92 -3.30 22 91 36 12 11 30
Other Investing Activities, net		 - -0.26 -0.09 -1.18 -0.11 -0.62 0.00 - - -1.05 -0.35
Net Cash From Financing Activities		 2.14 38 38 -29 35 -24 -50 24 -85 -6.66 24
Net Cash From Continuing Financing Activities		 2.14 38 38 -29 35 -24 -50 24 -85 -6.66 24
Net Change in Deposits		 4.64 19 -10 42 3.35 -24 -22 -11 -1.31 -54 2.48
Issuance of Debt		 - - 34 72 - - 36 - - 7.00 0.00
Repayment of Debt		 -3.00 21 17 -140 32 1.00 -64 37 -85 42 20
Repurchase of Common Equity		 -0.06 -0.24 -3.19 -0.02 -1.02 -0.01 -0.08 -0.02 -0.01 - -0.02
Payment of Dividends		 -0.67 -0.68 -0.67 -0.67 -0.65 -0.66 -0.65 -0.65 -0.02 -0.00 0.00
Other Financing Activities, Net		 1.23 -1.12 1.14 -1.09 1.18 -1.00 1.10 -1.26 1.03 -0.93 1.27
Cash Interest Paid		 9.98 11 14 14 15 13 14 14 13 11 12

Annual Balance Sheets for First Northwest Bancorp

This table presents First Northwest Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 6/30/2016 6/30/2017 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,010 1,088 1,216 1,259 1,307 1,654 1,921 2,042 2,202 2,232 2,108
Cash and Due from Banks		 13 15 14 15 14 14 14 17 20 17 16
Interest Bearing Deposits at Other Banks		 9.81 9.78 23 11 35 52 112 28 103 56 70
Trading Account Securities		 324 280 340 306 316 364 344 327 310 340 270
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 621 727 780 864 879 1,146 1,351 0.60 0.75 0.47 1.06
Premises and Equipment, Net		 14 13 14 15 14 15 20 18 18 10 8.46
Intangible Assets		 - - - - - 0.00 1.18 1.09 1.09 1.08 1.06
Other Assets		 29 43 45 47 50 64 79 1,650 1,748 1,808 1,742
Total Liabilities & Shareholders' Equity		 1,010 1,088 1,216 1,259 1,307 1,654 1,921 2,042 2,202 2,232 2,108
Total Liabilities		 820 910 1,039 1,086 1,130 1,468 1,731 1,884 2,038 2,078 1,951
Non-Interest Bearing Deposits		 723 824 885 940 1,002 1,334 1,581 1,564 1,677 1,688 1,599
Interest Bearing Deposits		 1.04 1.14 1.23 1.09 1.15 1.12 1.11 1.38 1.26 1.48 1.42
Accrued Interest Payable		 0.19 0.21 0.33 0.52 0.37 0.05 0.39 0.46 3.40 3.30 1.22
Long-Term Debt		 81 77 144 137 113 110 119 285 321 336 308
Other Long-Term Liabilities		 15 7.42 7.93 8.07 14 23 29 32 36 49 41
Total Equity & Noncontrolling Interests		 190 178 177 172 177 186 190 158 163 154 157
Total Preferred & Common Equity		 190 178 177 172 177 186 191 162 163 154 157
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 190 178 177 172 177 186 191 162 163 154 157
Common Stock		 123 112 111 106 102 98 96 96 96 93 94
Retained Earnings		 77 78 79 82 86 93 103 114 107 97 92
Accumulated Other Comprehensive Income / (Loss)		 1.90 -0.43 -1.57 -4.73 -1.54 5.44 0.29 -41 -33 -30 -22
Other Equity Adjustments		 -12 -12 -11 -11 -9.89 -9.23 -8.57 -7.91 -7.25 -6.59 -5.94

Quarterly Balance Sheets for First Northwest Bancorp

This table presents First Northwest Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 2,154 2,240 2,216 2,255 2,171 2,195 2,111 2,133
Cash and Due from Banks		 21 16 19 18 19 18 16 17
Interest Bearing Deposits at Other Banks		 63 62 64 65 51 69 63 88
Trading Account Securities		 309 326 307 311 315 304 283 273
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 0.69 0.99 1.09 0.38 2.94 1.56 1,610 1.14
Premises and Equipment, Net		 18 11 11 10 9.87 9.00 8.79 8.59
Intangible Assets		 1.09 1.09 1.08 1.08 1.08 1.08 1.08 1.06
Other Assets		 1,741 1,824 1,813 1,850 1,772 1,792 130 1,746
Total Liabilities & Shareholders' Equity		 2,154 2,240 2,216 2,255 2,171 2,195 2,111 2,133
Total Liabilities		 1,997 2,080 2,057 2,095 2,025 2,046 1,957 1,976
Non-Interest Bearing Deposits		 1,658 1,667 1,708 1,712 1,666 1,655 1,653 1,602
Interest Bearing Deposits		 2.38 2.40 1.30 2.49 2.58 1.33 2.36 2.69
Accrued Interest Payable		 2.28 2.83 3.14 2.15 2.16 1.51 1.15 0.28
Long-Term Debt		 300 371 303 335 307 344 260 328
Other Long-Term Liabilities		 35 36 42 43 47 44 40 44
Total Equity & Noncontrolling Interests		 156 161 159 161 146 150 155 157
Total Preferred & Common Equity		 156 161 159 161 146 150 155 157
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 156 161 159 161 146 150 155 157
Common Stock		 96 94 94 93 94 94 94 94
Retained Earnings		 114 106 103 101 88 91 91 92
Accumulated Other Comprehensive Income / (Loss)		 -46 -32 -32 -26 -28 -28 -24 -23
Other Equity Adjustments		 -7.42 -7.09 -6.92 -6.76 -6.43 -6.26 -6.10 -5.77

Annual Metrics And Ratios for First Northwest Bancorp

This table displays calculated financial ratios and metrics derived from First Northwest Bancorp's official financial filings.

Metric 2014 2015 2016 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 6/30/2015 6/30/2016 6/30/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 13,100,360.00 12,962,960.00 12,077,846.00 11,325,618.00 10,734,332.00 10,234,204.00 10,026,076.00 9,949,057.00 9,618,440.00 9,360,666.00 9,462,150.00
DEI Adjusted Shares Outstanding		 13,100,360.00 12,962,960.00 12,077,846.00 11,325,618.00 10,734,332.00 10,234,204.00 10,026,076.00 9,949,057.00 9,618,440.00 9,360,666.00 9,462,150.00
DEI Earnings Per Adjusted Shares Outstanding		 -0.39 0.31 0.42 0.63 0.84 1.01 1.49 1.36 0.22 -0.71 -0.44
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 2.92% 21.65% 12.63% 0.00% 5.07% 33.26% 23.63% 8.46% -18.38% 5.32% 0.01%
EBITDA Growth		 -142.99% 394.55% 11.86% 0.00% 7.31% 16.51% 47.42% -6.87% -75.85% -236.97% 15.53%
EBIT Growth		 -259.74% 200.09% 24.43% 0.00% 27.78% 19.86% 36.70% -10.07% -83.63% -382.50% 28.09%
NOPAT Growth		 -242.83% 204.75% 28.21% 0.00% 26.87% 14.71% 44.86% -9.90% -84.25% -348.82% 28.09%
Net Income Growth		 -290.78% 178.43% 28.21% 0.00% 26.87% 14.71% 44.86% -9.90% -84.25% -411.05% 36.62%
EPS Growth		 0.00% 178.57% 39.39% 0.00% 33.82% 17.58% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Growth		 -132.65% 1,002.13% -89.27% 0.00% 5.70% -5.97% 14.33% 4.93% 12.41% -5.59% -116.34%
Free Cash Flow Firm Growth		 46.37% 114.53% 42.61% 0.00% 0.00% -86.59% -58.02% -7,724.07% 68.01% 71.67% 289.60%
Invested Capital Growth		 50.82% -3.67% -5.65% 0.00% -6.16% 2.27% 4.52% 43.22% 9.16% 1.16% -5.00%
Revenue Q/Q Growth		 0.24% 6.30% 1.06% 0.00% 1.30% 10.60% 4.63% 2.18% -14.42% 6.44% 4.46%
EBITDA Q/Q Growth		 11.39% 6.92% -6.09% 0.00% -3.44% 18.30% 10.24% 6.58% -74.90% 36.27% 33.99%
EBIT Q/Q Growth		 3.83% 13.43% -2.29% 0.00% 1.30% 17.22% 8.32% 10.54% -84.42% 36.93% 38.25%
NOPAT Q/Q Growth		 3.83% 11.01% -0.76% 0.00% 0.99% 18.28% 8.19% 7.25% -84.26% 36.93% 38.25%
Net Income Q/Q Growth		 1.66% 11.01% -0.76% 0.00% 0.99% -16.73% 47.29% 7.25% -84.26% 29.08% 43.23%
EPS Q/Q Growth		 0.00% 0.00% -2.13% 0.00% 3.41% 15.05% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 60.93% 138.66% -81.83% 0.00% 10.68% 117.10% -29.14% -8.68% 2.26% 141.85% -384.71%
Free Cash Flow Firm Q/Q Growth		 0.00% 54.47% 26.68% 0.00% 0.00% 120.39% -90.69% 19.56% -745.49% 77.12% -72.59%
Invested Capital Q/Q Growth		 -0.34% -2.03% -3.75% 0.00% 10.34% 2.26% 8.04% -1.18% 6.09% -1.19% 12.38%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 -10.17% 24.63% 24.46% 28.81% 29.42% 25.73% 30.68% 26.34% 7.80% -10.14% -8.56%
EBIT Margin		 -19.72% 16.23% 17.93% 20.32% 24.71% 22.23% 24.58% 20.38% 4.09% -10.96% -7.88%
Profit (Net Income) Margin		 -18.44% 11.89% 13.53% 16.64% 20.09% 17.29% 20.26% 16.83% 3.25% -9.59% -6.08%
Tax Burden Percent		 93.50% 73.26% 75.49% 81.85% 81.27% 77.78% 82.42% 82.58% 79.48% 87.51% 77.13%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 26.74% 24.51% 18.15% 18.73% 22.22% 17.58% 17.42% 20.52% 0.00% 0.00%
Return on Invested Capital (ROIC)		 -1.63% 1.45% 1.95% 2.30% 3.01% 3.53% 4.94% 3.58% 0.46% -1.09% -0.80%
ROIC Less NNEP Spread (ROIC-NNEP)		 -2.94% 1.45% 1.95% 2.30% 3.01% 3.53% 4.94% 3.58% 0.46% -1.49% -0.92%
Return on Net Nonoperating Assets (RNNOA)		 -2.11% 0.65% 0.84% 1.82% 2.15% 2.17% 3.01% 4.16% 0.86% -3.08% -1.90%
Return on Equity (ROE)		 -3.75% 2.10% 2.79% 4.12% 5.16% 5.69% 7.95% 7.74% 1.32% -4.17% -2.69%
Cash Return on Invested Capital (CROIC)		 -42.15% 5.19% 7.76% 0.00% 9.37% 1.28% 0.52% -31.96% -8.30% -2.24% 4.33%
Operating Return on Assets (OROA)		 -0.63% 0.56% 0.65% 0.70% 0.86% 0.90% 1.02% 0.82% 0.13% -0.34% -0.25%
Return on Assets (ROA)		 -0.59% 0.41% 0.49% 0.57% 0.70% 0.70% 0.84% 0.68% 0.10% -0.30% -0.19%
Return on Common Equity (ROCE)		 -3.75% 2.10% 2.79% 4.12% 5.16% 5.69% 7.96% 7.82% 1.34% -4.17% -2.69%
Return on Equity Simple (ROE_SIMPLE)		 -2.67% 2.10% 2.88% 4.12% 5.10% 5.55% 7.84% 8.35% 1.30% -4.30% -2.66%
Net Operating Profit after Tax (NOPAT)		 -3.81 3.99 5.12 7.11 9.01 10 15 13 2.13 -5.29 -3.80
NOPAT Margin		 -13.81% 11.89% 13.53% 16.64% 20.09% 17.29% 20.26% 16.83% 3.25% -7.67% -5.52%
Net Nonoperating Expense Percent (NNEP)		 1.31% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.40% 0.12%
SG&A Expenses to Revenue		 67.80% 64.08% 64.71% 63.37% 60.93% 57.88% 62.37% 65.05% 71.72% 70.18% 63.76%
Operating Expenses to Revenue		 119.72% 83.08% 78.74% 76.93% 73.80% 69.33% 73.59% 77.71% 93.89% 87.03% 97.27%
Earnings before Interest and Taxes (EBIT)		 -5.44 5.45 6.78 8.68 11 13 18 16 2.68 -7.56 -5.43
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -2.81 8.27 9.25 12 13 15 23 21 5.10 -6.99 -5.90
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.78 0.79 0.97 0.89 1.01 0.80 1.00 0.91 0.91 0.61 0.56
Price to Tangible Book Value (P/TBV)		 0.78 0.79 0.97 0.89 1.01 0.80 1.01 0.91 0.92 0.62 0.57
Price to Revenue (P/Rev)		 5.37 4.46 4.57 3.58 3.97 2.49 2.59 1.83 2.27 1.37 1.29
Price to Earnings (P/E)		 0.00 37.54 33.77 21.49 19.79 14.38 12.41 9.38 64.96 0.00 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.22% 0.96% 1.72% 1.31% 1.90% 1.81% 2.78% 2.99%
Earnings Yield		 0.00% 2.66% 2.96% 4.65% 5.05% 6.95% 8.06% 10.66% 1.54% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.69 0.77 0.89 0.85 0.84 0.65 0.59 0.86 0.72 0.73 0.67
Enterprise Value to Revenue (EV/Rev)		 7.00 6.19 5.98 6.16 5.40 3.24 2.49 4.78 5.29 5.19 4.52
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 25.13 24.42 21.37 18.37 12.58 8.12 18.14 67.87 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 38.15 33.33 30.29 21.87 14.56 10.13 23.45 129.45 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 52.08 44.15 37.01 26.91 18.72 12.29 28.39 162.88 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 19.65 199.09 19.71 17.21 14.60 12.15 24.10 19.37 21.20 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 14.54 11.09 0.00 8.65 51.46 116.63 0.00 0.00 0.00 15.07
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.47 0.43 0.44 0.79 0.64 0.59 0.63 1.80 1.96 2.18 1.96
Long-Term Debt to Equity		 0.47 0.43 0.44 0.79 0.64 0.59 0.63 1.80 1.96 2.18 1.96
Financial Leverage		 0.72 0.45 0.43 0.79 0.71 0.61 0.61 1.16 1.89 2.07 2.07
Leverage Ratio		 6.38 5.12 5.71 7.08 7.35 8.15 9.49 11.36 13.20 13.98 13.95
Compound Leverage Factor		 6.38 5.12 5.71 7.08 7.35 8.15 9.49 11.36 13.20 13.98 13.95
Debt to Total Capital		 32.07% 29.83% 30.35% 44.22% 38.97% 37.11% 38.51% 64.32% 66.27% 68.59% 66.21%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 32.07% 29.83% 30.35% 44.22% 38.97% 37.11% 38.51% 64.32% 66.27% 68.59% 66.21%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -0.16% -0.74% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 67.93% 70.17% 69.65% 55.78% 61.03% 62.89% 61.65% 36.42% 33.73% 31.41% 33.79%
Debt to EBITDA		 -32.06 9.75 8.37 11.10 8.55 7.15 5.26 13.51 62.90 -48.08 -52.20
Net Debt to EBITDA		 -16.03 7.02 5.74 8.96 4.86 2.91 -0.30 11.35 38.76 -37.72 -37.78
Long-Term Debt to EBITDA		 -32.06 9.75 8.37 11.10 8.55 7.15 5.26 13.51 62.90 -48.08 -52.20
Debt to NOPAT		 -23.63 20.21 15.13 19.22 12.53 10.64 7.96 21.14 150.96 -63.52 -81.01
Net Debt to NOPAT		 -11.81 14.53 10.38 15.51 7.12 4.33 -0.45 17.77 93.02 -49.82 -58.63
Long-Term Debt to NOPAT		 -23.63 20.21 15.13 19.22 12.53 10.64 7.96 21.14 150.96 -63.52 -81.01
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -0.13% -1.08% -1.02% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -98 14 20 0.00 28 3.76 1.58 -120 -39 -11 21
Operating Cash Flow to CapEx		 -92.65% 513.69% 118.72% 469.45% 3,309.15% 729.15% 251.79% 545.71% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -21.43 3.00 3.95 0.00 2.45 0.49 0.29 -11.45 -0.98 -0.19 0.42
Operating Cash Flow to Interest Expense		 -0.26 2.22 0.22 1.48 1.23 1.72 2.82 1.51 0.45 0.30 -0.06
Operating Cash Flow Less CapEx to Interest Expense		 -0.53 1.79 0.03 1.16 1.19 1.48 1.70 1.24 0.45 0.42 -0.05
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.04 0.03 0.04 0.04 0.04 0.04 0.03 0.03 0.03
Fixed Asset Turnover		 2.22 2.57 2.83 2.95 3.03 4.11 4.27 4.23 3.62 4.89 7.42
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 281 270 255 309 290 296 310 444 484 490 465
Invested Capital Turnover		 0.12 0.12 0.14 0.14 0.15 0.20 0.24 0.21 0.14 0.14 0.14
Increase / (Decrease) in Invested Capital		 95 -10 -15 0.00 -19 6.58 13 134 41 5.62 -24
Enterprise Value (EV)		 193 208 226 263 243 194 184 383 346 358 312
Market Capitalization		 148 150 173 153 178 149 191 147 149 94 89
Book Value per Share		 $14.56 $14.64 $14.71 $15.21 $16.48 $18.21 $19.05 $16.24 $16.98 $16.44 $16.62
Tangible Book Value per Share		 $14.56 $14.64 $14.71 $15.21 $16.48 $18.21 $18.93 $16.13 $16.87 $16.32 $16.51
Total Capital		 281 270 255 309 290 296 310 444 484 490 465
Total Debt		 90 81 77 137 113 110 119 285 321 336 308
Total Long-Term Debt		 90 81 77 137 113 110 119 285 321 336 308
Net Debt		 45 58 53 110 64 45 -6.74 240 198 264 223
Capital Expenditures (CapEx)		 1.27 2.06 0.96 2.84 0.43 1.82 6.02 2.91 0.00 -6.51 -0.42
Net Nonoperating Expense (NNE)		 1.28 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.32 0.39
Net Nonoperating Obligations (NNO)		 90 81 77 137 113 110 119 285 321 336 308
Total Depreciation and Amortization (D&A)		 2.64 2.82 2.47 3.63 2.11 2.09 4.51 4.78 2.43 0.57 -0.47
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.42) $0.33 $0.46 $0.69 $0.92 $1.11 $1.63 $1.71 $0.26 ($0.75) ($0.48)
Adjusted Weighted Average Basic Shares Outstanding		 13.10M 13.01M 11.89M 11.04M 10.63M 10.12M 10.01M 9.67M 9.44M 9.36M 9.45M
Adjusted Diluted Earnings per Share		 ($0.42) $0.33 $0.46 $0.68 $0.91 $1.10 $1.63 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 13.10M 13.01M 11.89M 11.04M 10.63M 10.12M 10.01M 9.67M 9.44M 9.36M 9.45M
Adjusted Basic & Diluted Earnings per Share		 ($0.42) $0.33 $0.46 $0.00 $0.00 $0.00 $1.63 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 13.10M 13.01M 11.89M 11.04M 10.63M 10.12M 10.01M 9.67M 9.44M 9.36M 9.45M
Normalized Net Operating Profit after Tax (NOPAT)		 -3.81 3.99 5.12 7.11 9.01 10 15 13 2.13 -5.29 -3.80
Normalized NOPAT Margin		 -13.81% 11.89% 13.53% 16.64% 20.09% 17.29% 20.26% 16.83% 3.25% -7.67% -5.52%
Pre Tax Income Margin		 -19.72% 16.23% 17.93% 20.32% 24.71% 22.23% 24.58% 20.38% 4.09% -10.96% -7.88%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 -1.19 1.14 1.31 0.96 0.97 1.72 3.38 1.55 0.07 -0.13 -0.11
NOPAT to Interest Expense		 -0.83 0.84 0.99 0.79 0.79 1.34 2.79 1.28 0.05 -0.09 -0.08
EBIT Less CapEx to Interest Expense		 -1.46 0.71 1.13 0.65 0.93 1.49 2.26 1.28 0.07 -0.02 -0.10
NOPAT Less CapEx to Interest Expense		 -1.11 0.41 0.81 0.47 0.75 1.10 1.67 1.01 0.05 0.02 -0.07
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 4.72% 15.69% 21.13% 16.91% 20.65% 127.00% -40.00% -31.45%
Augmented Payout Ratio		 0.00% 137.80% 323.35% 145.50% 105.94% 94.55% 59.18% 63.86% 194.21% -104.17% -34.14%

Quarterly Metrics And Ratios for First Northwest Bancorp

This table displays calculated financial ratios and metrics derived from First Northwest Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 9,631,682.00 9,618,440.00 9,443,271.00 9,443,271.00 18,885,528.00 9,360,666.00 9,358,008.00 9,442,187.00 9,418,309.00 9,462,150.00 9,450,547.00
DEI Adjusted Shares Outstanding		 9,631,682.00 9,618,440.00 9,443,271.00 9,443,271.00 18,885,528.00 9,360,666.00 9,358,008.00 9,442,187.00 9,418,309.00 9,462,150.00 9,450,547.00
DEI Earnings Per Adjusted Shares Outstanding		 0.26 -0.57 0.04 -0.24 -0.10 -0.30 -0.97 0.39 0.09 0.04 0.00
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -13.07% -49.48% -13.54% 21.98% -11.51% 37.02% 9.36% -24.18% 4.89% 19.06% -6.67%
EBITDA Growth		 -22.98% -171.32% -78.29% -190.62% -185.18% 62.76% -1,017.55% 250.55% 87.00% 128.77% 97.24%
EBIT Growth		 -15.18% -190.24% -80.25% -227.11% -202.45% 64.35% -1,305.34% 243.09% 95.41% 137.33% 96.91%
NOPAT Growth		 -30.35% -182.11% -88.50% -213.83% -188.98% 64.35% -1,896.14% 289.08% 95.41% 122.27% 96.91%
Net Income Growth		 -30.35% -194.20% -88.50% -230.45% -179.07% 49.11% -2,381.82% 264.98% 140.51% 113.59% 100.07%
EPS Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Growth		 -156.06% 18.05% -171.65% -26.31% 146.14% 383.20% -346.93% -51.01% 309.45% -17.54% 104.07%
Free Cash Flow Firm Growth		 96.82% 64.50% 104.68% 99.06% -724.01% 83.86% 774.64% -6,455.00% 296.31% 439.04% -144.57%
Invested Capital Growth		 1.68% 9.16% -1.44% -0.32% 8.61% 1.16% -14.73% 7.02% -16.46% -5.00% 6.95%
Revenue Q/Q Growth		 0.91% -36.90% 43.05% 33.92% -26.80% -2.29% 14.17% -7.16% 1.27% 10.92% -10.51%
EBITDA Q/Q Growth		 24.23% -275.83% 116.90% -345.47% -16.77% 23.13% -316.40% 139.03% -110.08% 270.18% -139.91%
EBIT Q/Q Growth		 42.78% -321.31% 112.26% -428.11% -15.08% 23.00% -314.57% 138.95% -103.69% 726.71% -134.32%
NOPAT Q/Q Growth		 47.21% -292.22% 108.23% -588.94% -15.08% 23.00% -314.57% 151.47% -102.79% 473.78% -157.54%
Net Income Q/Q Growth		 47.21% -320.53% 107.17% -660.35% 10.77% -41.92% -221.57% 140.52% -78.09% -52.37% -98.43%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 -122.72% 203.36% -288.35% 266.64% -85.78% 982.48% -274.21% 118.27% 18.86% 118.00% -91.40%
Free Cash Flow Firm Q/Q Growth		 89.23% -801.77% 117.93% -105.38% -9,377.43% 82.34% 1,071.49% -140.31% 383.83% -69.49% -227.71%
Invested Capital Q/Q Growth		 -1.40% 6.09% 9.85% -13.25% 7.44% -1.19% -7.41% 8.88% -16.14% 12.38% 4.24%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 20.19% -56.25% 6.65% -12.18% -19.43% -15.29% -55.76% 24.19% -2.41% 3.69% -1.65%
EBIT Margin		 17.40% -61.03% 5.23% -12.82% -20.15% -15.88% -57.65% 24.19% -0.88% 4.98% -1.91%
Profit (Net Income) Margin		 14.02% -49.01% 2.46% -10.28% -12.53% -18.20% -51.27% 22.37% 4.84% 2.08% 0.04%
Tax Burden Percent		 80.59% 80.31% 46.98% 80.22% 62.21% 114.65% 88.93% 92.50% -549.32% 41.75% -1.91%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 19.41% 0.00% 53.02% 0.00% 0.00% 0.00% 0.00% 7.50% 0.00% 58.25% 0.00%
Return on Invested Capital (ROIC)		 2.37% -6.03% 0.29% -1.30% -1.92% -1.57% -5.77% 3.06% -0.09% 0.30% -0.19%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.37% -6.26% 0.29% -1.39% -1.84% -1.91% -6.34% 3.06% 0.21% 0.30% -0.12%
Return on Net Nonoperating Assets (RNNOA)		 4.49% -11.80% 0.68% -2.65% -3.69% -3.95% -14.00% 6.40% 0.40% 0.62% -0.26%
Return on Equity (ROE)		 6.86% -17.83% 0.96% -3.94% -5.61% -5.52% -19.77% 9.46% 0.32% 0.92% -0.45%
Cash Return on Invested Capital (CROIC)		 1.32% -8.30% 1.35% -0.54% -10.02% -2.24% 13.27% -8.51% 16.59% 4.33% -5.69%
Operating Return on Assets (OROA)		 0.63% -1.88% 0.15% -0.39% -0.59% -0.49% -1.84% 0.72% -0.03% 0.16% -0.06%
Return on Assets (ROA)		 0.51% -1.51% 0.07% -0.31% -0.37% -0.57% -1.64% 0.66% 0.15% 0.07% 0.00%
Return on Common Equity (ROCE)		 6.91% -18.01% 0.97% -3.94% -5.61% -5.52% -19.77% 9.46% 0.32% 0.92% -0.45%
Return on Equity Simple (ROE_SIMPLE)		 8.66% 0.00% -0.57% -3.05% -5.80% 0.00% -10.95% -6.79% -4.78% 0.00% 3.09%
Net Operating Profit after Tax (NOPAT)		 2.50 -4.81 0.40 -1.94 -2.23 -1.72 -7.11 3.66 -0.10 0.38 -0.22
NOPAT Margin		 14.02% -42.72% 2.46% -8.97% -14.10% -11.11% -40.36% 22.37% -0.62% 2.08% -1.34%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.23% 0.00% 0.09% -0.08% 0.33% 0.57% 0.00% -0.30% 0.00% -0.07%
SG&A Expenses to Revenue		 63.93% 97.65% 72.11% 59.18% 79.94% 73.54% 65.72% 51.52% 72.90% 64.53% 74.96%
Operating Expenses to Revenue		 80.52% 150.81% 88.75% 72.32% 100.31% 92.20% 113.48% 78.01% 104.94% 91.96% 101.43%
Earnings before Interest and Taxes (EBIT)		 3.11 -6.88 0.84 -2.77 -3.18 -2.45 -10 3.96 -0.15 0.92 -0.31
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 3.60 -6.34 1.07 -2.63 -3.07 -2.36 -9.83 3.96 -0.40 0.68 -0.27
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.73 0.91 0.89 0.56 0.62 0.61 0.64 0.49 0.48 0.56 0.52
Price to Tangible Book Value (P/TBV)		 0.74 0.92 0.90 0.56 0.62 0.62 0.65 0.49 0.48 0.57 0.53
Price to Revenue (P/Rev)		 1.50 2.27 2.27 1.33 1.53 1.37 1.34 1.11 1.12 1.29 1.21
Price to Earnings (P/E)		 8.26 64.96 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 16.91
Dividend Yield		 2.35% 1.81% 1.85% 2.97% 2.67% 2.78% 2.78% 3.64% 3.56% 2.99% 3.23%
Earnings Yield		 12.11% 1.54% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 5.91%
Enterprise Value to Invested Capital (EV/IC)		 0.73 0.72 0.82 0.67 0.71 0.73 0.73 0.67 0.61 0.67 0.63
Enterprise Value to Revenue (EV/Rev)		 4.33 5.29 6.94 4.62 5.42 5.19 4.70 5.04 3.86 4.52 4.52
Enterprise Value to EBITDA (EV/EBITDA)		 16.29 67.87 352.71 0.00 0.00 0.00 0.00 0.00 0.00 0.00 83.78
Enterprise Value to EBIT (EV/EBIT)		 19.28 129.45 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 69.35
Enterprise Value to NOPAT (EV/NOPAT)		 24.51 162.88 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 63.09
Enterprise Value to Operating Cash Flow (EV/OCF)		 18.94 19.37 70.26 92.74 50.35 21.20 0.00 0.00 0.00 0.00 15.40
Enterprise Value to Free Cash Flow (EV/FCFF)		 55.49 0.00 60.47 0.00 0.00 0.00 5.07 0.00 3.37 15.07 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.92 1.96 2.31 1.90 2.08 2.18 2.10 2.30 1.68 1.96 2.09
Long-Term Debt to Equity		 1.92 1.96 2.31 1.90 2.08 2.18 2.10 2.30 1.68 1.96 2.09
Financial Leverage		 1.90 1.89 2.34 1.90 2.01 2.07 2.21 2.10 1.89 2.07 2.09
Leverage Ratio		 13.58 13.20 13.75 13.75 13.92 13.98 14.37 14.29 13.85 13.95 14.19
Compound Leverage Factor		 13.58 13.20 13.75 13.75 13.92 13.98 14.37 14.29 13.85 13.95 14.19
Debt to Total Capital		 65.81% 66.27% 69.83% 65.57% 67.57% 68.59% 67.70% 69.68% 62.69% 66.21% 67.64%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 65.81% 66.27% 69.83% 65.57% 67.57% 68.59% 67.70% 69.68% 62.69% 66.21% 67.64%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 34.19% 33.73% 30.17% 34.43% 32.43% 31.41% 32.30% 30.32% 37.31% 33.79% 32.36%
Debt to EBITDA		 14.78 62.90 299.80 -70.51 -30.55 -48.08 -17.17 -29.63 -29.03 -52.20 89.83
Net Debt to EBITDA		 10.65 38.76 237.38 -51.13 -23.01 -37.72 -13.24 -22.07 -20.18 -37.78 61.33
Long-Term Debt to EBITDA		 14.78 62.90 299.80 -70.51 -30.55 -48.08 -17.17 -29.63 -29.03 -52.20 89.83
Debt to NOPAT		 22.24 150.96 -707.53 -75.94 -39.94 -63.52 -23.64 -41.53 -42.15 -81.01 67.65
Net Debt to NOPAT		 16.03 93.02 -560.21 -55.06 -30.08 -49.82 -18.22 -30.93 -29.29 -58.63 46.18
Long-Term Debt to NOPAT		 22.24 150.96 -707.53 -75.94 -39.94 -63.52 -23.64 -41.53 -42.15 -81.01 67.65
Noncontrolling Interest Sharing Ratio		 -0.78% -1.02% -1.05% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -5.04 -45 8.15 -0.44 -42 -7.34 71 -29 82 25 -32
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 96,007.69% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -0.46 -3.75 0.61 -0.03 -2.93 -0.52 5.49 -2.22 6.61 2.17 -2.92
Operating Cash Flow to Interest Expense		 -0.23 0.21 -0.36 0.56 0.08 0.89 -1.68 0.31 0.38 0.90 0.08
Operating Cash Flow Less CapEx to Interest Expense		 -0.23 0.21 -0.36 0.56 0.08 0.89 -1.68 0.31 0.38 0.90 0.08
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 3.94 3.62 4.30 4.63 4.56 4.89 6.74 6.62 6.87 7.42 7.34
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 456 484 532 461 496 490 454 494 414 465 485
Invested Capital Turnover		 0.17 0.14 0.12 0.14 0.14 0.14 0.14 0.14 0.15 0.14 0.14
Increase / (Decrease) in Invested Capital		 7.54 41 -7.75 -1.50 39 5.62 -78 32 -82 -24 32
Enterprise Value (EV)		 331 346 437 308 351 358 331 329 255 312 306
Market Capitalization		 115 149 143 89 99 94 94 73 74 89 82
Book Value per Share		 $16.20 $16.98 $17.00 $16.83 $17.03 $16.44 $15.65 $15.86 $16.41 $16.62 $16.61
Tangible Book Value per Share		 $16.09 $16.87 $16.88 $16.71 $16.91 $16.32 $15.54 $15.75 $16.29 $16.51 $16.50
Total Capital		 456 484 532 461 496 490 454 494 414 465 485
Total Debt		 300 321 371 303 335 336 307 344 260 308 328
Total Long-Term Debt		 300 321 371 303 335 336 307 344 260 308 328
Net Debt		 217 198 294 219 252 264 237 256 180 223 224
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.01 0.00 0.00 0.00 -0.03 0.00
Net Nonoperating Expense (NNE)		 0.00 0.71 0.00 0.28 -0.25 1.09 1.92 0.00 -0.90 0.00 -0.23
Net Nonoperating Obligations (NNO)		 300 321 371 303 335 336 307 344 260 308 328
Total Depreciation and Amortization (D&A)		 0.50 0.54 0.23 0.14 0.11 0.09 0.33 0.00 -0.25 -0.24 0.04
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.28 ($0.61) $0.04 $0.00 ($0.23) ($0.31) ($1.03) $0.42 $0.09 $0.04 $0.00
Adjusted Weighted Average Basic Shares Outstanding		 9.62M 9.44M 0.00 0.00 9.36M 9.36M 9.44M 9.42M 9.46M 9.45M 9.50M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 9.62M 9.44M 0.00 0.00 9.36M 9.36M 9.44M 9.42M 9.46M 9.45M 9.50M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 9.62M 9.44M 0.00 0.00 9.36M 9.36M 9.44M 9.42M 9.46M 9.45M 9.50M
Normalized Net Operating Profit after Tax (NOPAT)		 2.50 -4.81 0.59 -1.94 -2.23 -1.72 -7.11 3.66 -0.10 0.64 -0.22
Normalized NOPAT Margin		 14.02% -42.72% 3.66% -8.97% -14.10% -11.11% -40.36% 22.37% -0.62% 3.48% -1.34%
Pre Tax Income Margin		 17.40% -61.03% 5.23% -12.82% -20.15% -15.88% -57.65% 24.19% -0.88% 4.98% -1.91%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.29 -0.57 0.06 -0.19 -0.22 -0.17 -0.78 0.31 -0.01 0.08 -0.03
NOPAT to Interest Expense		 0.23 -0.40 0.03 -0.13 -0.16 -0.12 -0.55 0.28 -0.01 0.03 -0.02
EBIT Less CapEx to Interest Expense		 0.29 -0.57 0.06 -0.19 -0.22 -0.18 -0.78 0.31 -0.01 0.08 -0.03
NOPAT Less CapEx to Interest Expense		 0.23 -0.40 0.03 -0.13 -0.16 -0.12 -0.55 0.28 -0.01 0.04 -0.02
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 20.28% 127.00% -293.16% -55.42% -28.57% -40.00% -16.35% -25.65% -26.72% -31.45% 13.79%
Augmented Payout Ratio		 54.07% 194.21% -710.97% -127.89% -76.56% -104.17% -23.38% -36.80% -28.43% -34.14% 14.90%

Financials Breakdown Chart

Key Financial Trends

First Northwest Bancorp (NASDAQ: FNWB) showed a sharp turnaround in Q1 2026 after a volatile 2025, but the latest quarter still leaves some important questions about earnings quality, funding costs, and balance sheet composition.

  • Profitability improved meaningfully year over year. FNWB reported net income of $6,000 in Q1 2026 versus a loss of $9.0 million in Q1 2025, showing a major swing back to breakeven.
  • Pre-tax earnings turned positive or nearly positive compared with prior losses. Pre-tax income improved to a loss of just $314,000 in Q1 2026, versus a $10.2 million loss a year earlier.
  • Operating cash flow was positive. Net cash from operations came in at $885,000 in Q1 2026, an improvement from a $21.7 million outflow in Q1 2025.
  • Loan loss provisioning was modest in the latest quarter. Provision for credit losses was only $78,000 in Q1 2026, far below the large provisions seen in earlier periods.
  • Funding costs eased from recent peaks. Interest expense on deposits fell to $7.9 million in Q1 2026 from $8.6 million in Q4 2025 and $9.7 million in Q1 2025.
  • Cash and equivalents improved quarter over quarter. Net change in cash and equivalents was a gain of $19.0 million in Q1 2026.
  • Revenue was stable, not booming. Total revenue was $16.4 million in Q1 2026, roughly in line with recent quarters, suggesting the earnings recovery is more about expense and credit trends than strong top-line growth.
  • The balance sheet remains large but unusual. Total assets were $2.13 billion, while “loans held for sale” and “other assets” make up a significant portion of assets, which makes the balance sheet harder to interpret than a traditional community bank.
  • Deposits remained heavily concentrated in non-interest-bearing accounts. Non-interest-bearing deposits were $1.60 billion in Q1 2026, which is helpful for funding, but it also means the company depends on maintaining that deposit base.
  • Net interest income declined slightly year over year. Net interest income fell to $14.44 million in Q1 2026 from $14.87 million in Q4 2025 and $14.69 million a year earlier, signaling pressure on core spread income.
  • Non-interest income remains volatile. The company generated just $2.0 million of non-interest income in Q1 2026, down sharply from $3.69 million in Q4 2025, and this kind of variability can make results unpredictable.
  • Long-term debt remains significant. Long-term debt stood at $328.2 million in Q1 2026, a meaningful liability for a bank with total equity of only $157.0 million.
  • Equity cushion is still thin relative to assets. Total equity was just 7.4% of total assets in Q1 2026, which means FNWB has limited capital flexibility if credit conditions worsen.
  • Historical earnings have been inconsistent. Over the last year, FNWB swung from sizable losses to profitability, then back to weaker quarters, suggesting the recovery is not yet fully reliable.

Bottom line: FNWB’s Q1 2026 results were better than the prior year and showed a return to positive operating cash flow, which is encouraging. However, profitability remains fragile, non-interest income is uneven, and leverage is still elevated. Investors should view the quarter as a step in the right direction, but not yet proof of a durable turnaround.

07/16/26 10:39 PM ETAI Generated. May Contain Errors.

First Northwest Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, First Northwest Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

First Northwest Bancorp's net income appears to be on a downward trend, with a most recent value of -$4.19 million in 2025, falling from -$5.09 million in 2014. The previous period was -$6.61 million in 2024. See where experts think First Northwest Bancorp is headed by visiting First Northwest Bancorp's forecast page.

Over the last 10 years, First Northwest Bancorp's total revenue changed from $27.60 million in 2014 to $68.94 million in 2025, a change of 149.8%.

First Northwest Bancorp's total liabilities were at $1.95 billion at the end of 2025, a 6.1% decrease from 2024, and a 137.8% increase since 2015.

In the past 10 years, First Northwest Bancorp's cash and equivalents has ranged from $12.84 million in 2015 to $19.85 million in 2023, and is currently $15.53 million as of their latest financial filing in 2025.

Over the last 10 years, First Northwest Bancorp's book value per share changed from 14.56 in 2014 to 16.62 in 2025, a change of 14.2%.


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Financial statements for NASDAQ:FNWB last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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