First Northwest Bancorp
FNWBAnalytical Summary
First Northwest Bancorp faces fundamental challenges with weakness in Profit Margin (%) and Operating Margin (%). The fundamentals warrant careful consideration of downside risks.
15-Year Financial Trajectory
AnnualBullish Indicators
- No bullish signals detected.
Bearish Risks
- Operating Margin (%)Operating Margin (%) is in the bottom quartile
- Profit Margin (%)Profit Margin (%) is in the bottom quartile
Health Breakdown
Dividend History
Dividend / share · sourced from SEC filingsStatement lens
Choose the reporting cadence, isolate a period range, or search directly for a metric.
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ | FY 2021 Dec 31, 2021 10-K ↗ | FY 2020 Dec 31, 2020 10-K ↗ | FY 2019 Dec 31, 2019 10-K ↗ | FY 2018 Dec 31, 2018 10-K ↗ | FY 2017 Dec 31, 2017 10-K ↗ | FY 2016 Jun 30, 2017 10-K ↗ | FY 2015 Jun 30, 2016 10-K ↗ | FY 2014 Jun 30, 2015 10-K ↗ | FY 2013 Jun 30, 2014 10-K ↗ | FY 2012 Jun 30, 2013 10-K ↗ | FY 2011 Jun 30, 2012 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue Growth YoY (%) |
0.0%
Caution
↑
Caution
Improving
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Below avg (-100%)
|
5.3%
Fair
↑
Fair
Improving
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Below avg (-11%)
|
-18.4%
Weak
↓
Weak
Declining
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Below avg (-406%)
|
8.5%
Fair
↓
Fair
Declining
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Above avg (+41%)
|
23.6%
Excellent
↑
Excellent
Improving
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Above avg (+294%)
|
33.3%
Excellent
Excellent
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Above avg (+454%)
|
5.1%
Fair
Fair
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Below avg (-15%)
|
— | — |
12.6%
Good
↑
Good
Improving
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Above avg (+110%)
|
21.7%
Excellent
↑
Excellent
Improving
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Above avg (+261%)
|
2.9%
Caution
Caution
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Below avg (-51%)
|
5.7%
Fair
Fair
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
At sector avg
|
— | — |
| EPS Growth YoY (%) |
36.0%
Excellent
↑
Excellent
Improving
Year-over-year change in earnings per share
Optimal:
> 10%
|
N/M |
-84.8%
Weak
↓
Weak
Declining
Year-over-year change in earnings per share
Optimal:
> 10%
|
4.9%
Caution
↓
Caution
Declining
Year-over-year change in earnings per share
Optimal:
> 10%
|
52.3%
Excellent
↑
Excellent
Improving
Year-over-year change in earnings per share
Optimal:
> 10%
|
16.3%
Good
Good
Year-over-year change in earnings per share
Optimal:
> 10%
|
33.3%
Excellent
Excellent
Year-over-year change in earnings per share
Optimal:
> 10%
|
— | — |
39.4%
Excellent
Excellent
Year-over-year change in earnings per share
Optimal:
> 10%
|
— | — | — | — | — |
| Net Income Growth YoY (%) |
36.6%
Excellent
↑
Excellent
Improving
Year-over-year change in net income |
N/M |
-85.4%
Weak
↓
Weak
Declining
Year-over-year change in net income |
1.5%
Caution
↓
Caution
Declining
Year-over-year change in net income |
49.1%
Excellent
↑
Excellent
Improving
Year-over-year change in net income |
14.7%
Fair
Fair
Year-over-year change in net income |
26.9%
Excellent
Excellent
Year-over-year change in net income |
— | — |
28.2%
Excellent
Excellent
Year-over-year change in net income |
N/M | N/M |
15.1%
Good
Good
Year-over-year change in net income |
— | — |
| FCF Growth YoY (%) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Revenue CAGR 3Y (%) |
-4.9%
Weak
↓
Weak
Declining
Compound annual revenue growth over 3 years |
-2.3%
Weak
↓
Weak
Declining
Compound annual revenue growth over 3 years |
3.1%
Caution
↓
Caution
Declining
Compound annual revenue growth over 3 years |
21.3%
Excellent
↑
Excellent
Improving
Compound annual revenue growth over 3 years |
20.1%
Excellent
↑
Excellent
Improving
Compound annual revenue growth over 3 years |
— |
5.9%
Fair
↓
Fair
Declining
Compound annual revenue growth over 3 years |
8.3%
Fair
↓
Fair
Declining
Compound annual revenue growth over 3 years |
— |
12.1%
Good
Good
Compound annual revenue growth over 3 years |
9.8%
Fair
Fair
Compound annual revenue growth over 3 years |
— | — | — | — |
| Revenue CAGR 5Y (%) |
2.9%
Caution
↓
Caution
Declining
Compound annual revenue growth over 5 years |
9.0%
Good
↓
Good
Declining
Compound annual revenue growth over 5 years |
8.9%
Good
↓
Good
Declining
Compound annual revenue growth over 5 years |
— |
14.3%
Excellent
↑
Excellent
Improving
Compound annual revenue growth over 5 years |
12.2%
Excellent
↑
Excellent
Improving
Compound annual revenue growth over 5 years |
10.2%
Good
Good
Compound annual revenue growth over 5 years |
9.8%
Good
Good
Compound annual revenue growth over 5 years |
— | — | — | — | — | — | — |
| EPS CAGR 3Y (%) | — | — |
-37.6%
Weak
↓
Weak
Declining
Compound annual EPS growth over 3 years |
23.0%
Excellent
↓
Excellent
Declining
Compound annual EPS growth over 3 years |
33.2%
Excellent
↑
Excellent
Improving
Compound annual EPS growth over 3 years |
— |
26.0%
Excellent
Excellent
Compound annual EPS growth over 3 years |
27.9%
Excellent
Excellent
Compound annual EPS growth over 3 years |
— | — | — | — | — | — | — |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ | FY 2021 Dec 31, 2021 10-K ↗ | FY 2020 Dec 31, 2020 10-K ↗ | FY 2019 Dec 31, 2019 10-K ↗ | FY 2018 Dec 31, 2018 10-K ↗ | FY 2017 Dec 31, 2017 10-K ↗ | FY 2016 Jun 30, 2017 10-K ↗ | FY 2015 Jun 30, 2016 10-K ↗ | FY 2014 Jun 30, 2015 10-K ↗ | FY 2013 Jun 30, 2014 10-K ↗ | FY 2012 Jun 30, 2013 10-K ↗ | FY 2011 Jun 30, 2012 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin (%) (%) |
-7.9%
Weak
↓
Weak
Declining
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-132%)
|
-11.0%
Weak
↓
Weak
Declining
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-144%)
|
4.1%
Weak
↓
Weak
Declining
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-84%)
|
20.4%
Good
↓
Good
Declining
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-18%)
|
24.6%
Good
Good
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
At sector avg
|
22.2%
Good
Good
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-11%)
|
— | — | — | — | — | — | — | — | — |
| Effective Tax Rate (%) (%) |
22.9%
Fair
↑
Fair
Improving
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
12.5%
Excellent
↓
Excellent
Declining
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
20.5%
Good
↑
Good
Improving
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
17.4%
Good
↓
Good
Declining
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
17.6%
Good
Good
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
22.2%
Fair
Fair
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
— | — | — | — | — | — | — | — | — |
| Profit Margin (%) (%) |
-6.1%
Weak
↓
Weak
Declining
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-128%)
|
-9.6%
Weak
↓
Weak
Declining
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-144%)
|
3.5%
Weak
↓
Weak
Declining
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-84%)
|
19.5%
Good
→
Good
Stable
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-11%)
|
20.9%
Excellent
↑
Excellent
Improving
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-5%)
|
17.3%
Good
↓
Good
Declining
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-21%)
|
20.1%
Excellent
↑
Excellent
Improving
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-9%)
|
16.6%
Good
↑
Good
Improving
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-24%)
|
— |
13.5%
Fair
↑
Fair
Improving
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-38%)
|
11.9%
Fair
↑
Fair
Improving
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-46%)
|
-18.4%
Weak
↓
Weak
Declining
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-184%)
|
9.9%
Caution
Caution
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-55%)
|
9.1%
Caution
Caution
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-58%)
|
— |
| FCF Margin (%) (%) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| FCF / Net Income (x) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ | FY 2021 Dec 31, 2021 10-K ↗ | FY 2020 Dec 31, 2020 10-K ↗ | FY 2019 Dec 31, 2019 10-K ↗ | FY 2018 Dec 31, 2018 10-K ↗ | FY 2017 Dec 31, 2017 10-K ↗ | FY 2016 Jun 30, 2017 10-K ↗ | FY 2015 Jun 30, 2016 10-K ↗ | FY 2014 Jun 30, 2015 10-K ↗ | FY 2013 Jun 30, 2014 10-K ↗ | FY 2012 Jun 30, 2013 10-K ↗ | FY 2011 Jun 30, 2012 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return on Invested Capital (%) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Return on Capital (%) (%) |
-0.2%
Weak
↓
Weak
Declining
Operating profit relative to total assets
Optimal:
> 10%
|
-0.3%
Weak
↓
Weak
Declining
Operating profit relative to total assets
Optimal:
> 10%
|
0.1%
Weak
↓
Weak
Declining
Operating profit relative to total assets
Optimal:
> 10%
|
0.8%
Weak
↑
Weak
Improving
Operating profit relative to total assets
Optimal:
> 10%
|
0.8%
Weak
↑
Weak
Improving
Operating profit relative to total assets
Optimal:
> 10%
|
0.6%
Weak
→
Weak
Stable
Operating profit relative to total assets
Optimal:
> 10%
|
0.7%
Weak
↑
Weak
Improving
Operating profit relative to total assets
Optimal:
> 10%
|
0.6%
Weak
↑
Weak
Improving
Operating profit relative to total assets
Optimal:
> 10%
|
— |
0.5%
Weak
↑
Weak
Improving
Operating profit relative to total assets
Optimal:
> 10%
|
0.4%
Weak
↑
Weak
Improving
Operating profit relative to total assets
Optimal:
> 10%
|
-0.5%
Weak
Weak
Operating profit relative to total assets
Optimal:
> 10%
|
0.3%
Weak
Weak
Operating profit relative to total assets
Optimal:
> 10%
|
— | — |
| Return on Common Equity (%) (%) | — | — |
1.4%
Weak
↓
Weak
Declining
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-88%)
|
9.7%
Caution
↑
Caution
Improving
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-19%)
|
8.1%
Caution
↑
Caution
Improving
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-33%)
|
5.5%
Caution
↑
Caution
Improving
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-54%)
|
5.1%
Caution
↑
Caution
Improving
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-58%)
|
4.1%
Weak
↑
Weak
Improving
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-66%)
|
— |
2.9%
Weak
↑
Weak
Improving
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-76%)
|
2.1%
Weak
↑
Weak
Improving
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-82%)
|
-2.7%
Weak
↓
Weak
Declining
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-122%)
|
3.3%
Weak
Weak
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-73%)
|
2.9%
Weak
Weak
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-75%)
|
— |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ | FY 2021 Dec 31, 2021 10-K ↗ | FY 2020 Dec 31, 2020 10-K ↗ | FY 2019 Dec 31, 2019 10-K ↗ | FY 2018 Dec 31, 2018 10-K ↗ | FY 2017 Dec 31, 2017 10-K ↗ | FY 2016 Jun 30, 2017 10-K ↗ | FY 2015 Jun 30, 2016 10-K ↗ | FY 2014 Jun 30, 2015 10-K ↗ | FY 2013 Jun 30, 2014 10-K ↗ | FY 2012 Jun 30, 2013 10-K ↗ | FY 2011 Jun 30, 2012 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt to Equity (x) | — | — | — | — | — | — |
0.64x
Fair
↓
Fair
Declining
Total debt relative to shareholder equity
Optimal:
< 0.6x
vs Sector:
Below avg (-47%)
|
0.79x
Fair
↑
Fair
Improving
Total debt relative to shareholder equity
Optimal:
< 0.6x
vs Sector:
Below avg (-34%)
|
0.81x
Fair
↑
Fair
Improving
Total debt relative to shareholder equity
Optimal:
< 0.6x
vs Sector:
Below avg (-32%)
|
0.44x
Good
↓
Good
Declining
Total debt relative to shareholder equity
Optimal:
< 0.6x
vs Sector:
Below avg (-64%)
|
0.43x
Good
↓
Good
Declining
Total debt relative to shareholder equity
Optimal:
< 0.6x
vs Sector:
Below avg (-65%)
|
0.47x
Good
Good
Total debt relative to shareholder equity
Optimal:
< 0.6x
vs Sector:
Below avg (-61%)
|
1.30x
Caution
Caution
Total debt relative to shareholder equity
Optimal:
< 0.6x
vs Sector:
Above avg (+8%)
|
— | — |
| Interest Coverage (x) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Debt (USD) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt / EBITDA (x) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ | FY 2021 Dec 31, 2021 10-K ↗ | FY 2020 Dec 31, 2020 10-K ↗ | FY 2019 Dec 31, 2019 10-K ↗ | FY 2018 Dec 31, 2018 10-K ↗ | FY 2017 Dec 31, 2017 10-K ↗ | FY 2016 Jun 30, 2017 10-K ↗ | FY 2015 Jun 30, 2016 10-K ↗ | FY 2014 Jun 30, 2015 10-K ↗ | FY 2013 Jun 30, 2014 10-K ↗ | FY 2012 Jun 30, 2013 10-K ↗ | FY 2011 Jun 30, 2012 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Working Capital (USD) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| LT Debt (USD) | — | — | — | — | — | — | $112.93M | $136.55M | $144.10M | $77.43M | $80.67M | $90.03M | $105.13M | — | — |
| Total Equity (USD) | — | — | $163.34M | $161.57M | $190.96M | $186.38M | $176.85M | $172.26M | $177.04M | $177.72M | $189.74M | $190.68M | $81.00M | $78.62M | $77.30M |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ | FY 2021 Dec 31, 2021 10-K ↗ | FY 2020 Dec 31, 2020 10-K ↗ | FY 2019 Dec 31, 2019 10-K ↗ | FY 2018 Dec 31, 2018 10-K ↗ | FY 2017 Dec 31, 2017 10-K ↗ | FY 2016 Jun 30, 2017 10-K ↗ | FY 2015 Jun 30, 2016 10-K ↗ | FY 2014 Jun 30, 2015 10-K ↗ | FY 2013 Jun 30, 2014 10-K ↗ | FY 2012 Jun 30, 2013 10-K ↗ | FY 2011 Jun 30, 2012 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue/Turnover (USD) | $68.94M | $68.93M | $65.45M | $80.19M | $73.94M | $59.80M | $44.88M | $42.71M | — | $37.82M | $33.58M | $27.60M | $26.82M | $25.36M | — |
| Depreciation Expense (USD) | $1.25M | $1.41M | $1.61M | $1.96M | $1.43M | $1.38M | $1.34M | $1.32M | — | $1.24M | $1.10M | $973.00K | $1.13M | $1.23M | — |
| Net Income, GAAP (USD) | $-4.19M | $-6.61M | $2.29M | $15.64M | $15.42M | $10.34M | $9.01M | $7.11M | — | $5.12M | $3.99M | $-5.09M | $2.67M | $2.32M | — |
| Operating Cash Flow (USD) | $-2.76M | $16.88M | $17.88M | $15.90M | $15.15M | $13.26M | $14.10M | $13.34M | — | $1.14M | $10.58M | $-1.17M | $3.59M | $10.71M | — |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ | FY 2021 Dec 31, 2021 10-K ↗ | FY 2020 Dec 31, 2020 10-K ↗ | FY 2019 Dec 31, 2019 10-K ↗ | FY 2018 Dec 31, 2018 10-K ↗ | FY 2017 Dec 31, 2017 10-K ↗ | FY 2016 Jun 30, 2017 10-K ↗ | FY 2015 Jun 30, 2016 10-K ↗ | FY 2014 Jun 30, 2015 10-K ↗ | FY 2013 Jun 30, 2014 10-K ↗ | FY 2012 Jun 30, 2013 10-K ↗ | FY 2011 Jun 30, 2012 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Margin (approx.) (%) | 2.7% | 2.5% | 2.8% | 3.4% | 3.0% | 2.7% | 2.9% | 2.9% | — | 2.9% | 2.7% | 2.4% | 2.7% | — | — |
| Efficiency Ratio (%) (%) | 97.3% | 87.0% | 93.9% | 77.7% | 73.6% | 69.3% | 73.8% | 76.9% | — | 78.7% | 83.1% | 119.7% | 82.4% | 83.8% | — |
Secondary lens
Benchmark Lens
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Open lens
Benchmark Lens
Compare FNWB against peers after checking the statement evidence.
Signals
Key bullish and bearish indicators for FNWB
No bullish signals detected
Operating Margin (%) is in the bottom quartile
Profit Margin (%) is in the bottom quartile
Percentile Rankings
How FNWB compares to all companies
Peer Comparison
FNWB vs similar peers
Compare FNWB with peers
Stack FNWB against similar companies across every metric on this page.
north_east Open comparisonbar_chart Data from SEC EDGAR XBRL filings
Synced 1 week ago 15 years · 55 quarters