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First Northwest Bancorp

First Northwest Bancorp

FNWB · NASDAQ · Financial Services / Banks - Regional

9.78USD-0.06 (-0.61%)

Price History

Full chart

Market Stats

Previous Close9.84
Open9.86
Day Range9.72 – 10.00
52-Week Range7.65 – 12.52
Volume15.06K
Market Cap95.59M
P/E (TTM)59.12
Forward P/E0.00
EPS0.17
Dividend Yield0.00%
Beta0.63
50-Day Avg11.13
200-Day Avg10.22

About

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 the United States. The company accepts various deposit instruments, such as checking, money market deposit, savings, and transaction accounts, as well as certificates of deposits. It also offers one-to-four family residential mortgage loans, commercial and multi-family real estate loans, construction and land loans, loan origination and underwriting, and commercial business loans, as well as consumer loans primarily comprising automobile and home-equity loans, and lines of credit. It operates branch offices in Clallam, Jefferson, King, Kitsap, Snohomish, and Whatcom Counties, Washington. First Northwest Bancorp was founded in 1923 and is based in Port Angeles, Washington.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Curt T. Queyrouze
  • Employees242
  • Headquarters105 West 8th Street, Port Angeles, WA, United States, 98362, USA
  • Websitehttps://www.ourfirstfed.com

Leadership

  • Mr. Curt T. QueyrouzePresident, CEO & Director · b. 1962
  • Mr. David Benjamin EdelsteinExecutive VP & Chief Innovation Officer · b. 1970
  • Mr. Kyle D. HendersonExecutive VP & Chief Credit Officer · b. 1985
  • Ms. Phyllis R. NomuraExecutive VP, CFO & Treasurer · b. 1970
  • Ms. Allison R. MahaneyExecutive VP, Chief Legal Officer & Corporate Secretary · b. 1982
  • Ms. Jennifer GribbleChief People Officer
  • Mr. John Christopher WalshChief Banking Officer · b. 1959
  • Mr. Benjamin Spicer M.B.A., P.H.R.VP & Human Resources Manager - First Federal Savings and Loan Association of Port Angeles

Financials

Income Statement

Currency: USD2009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue41.22M34.04M32.34M31.36M31.55M27.60M32.19M38.35M46.61M51.66M56.26M67.53M79.31M90.70M104.92M117.03M107.19M
Growth (%)--17.43%-4.99%-3.03%+0.60%-12.51%+16.64%+19.12%+21.54%+10.83%+8.91%+20.03%+17.45%+14.37%+15.67%+11.55%-8.41%
Cost of Revenue16.05M9.18M15.11M7.38M6.04M4.59M4.59M5.00M6.42M10.19M12.12M12.77M6.72M12.05M40.79M72.52M56.53M
Gross Profit25.17M24.86M17.23M23.99M25.51M27.60M27.60M33.35M46.61M41.47M44.14M54.76M72.59M78.66M64.13M44.52M50.67M
Gross Margin61.05%73.02%53.28%76.48%80.87%100.00%85.74%86.95%100.00%80.28%78.46%81.09%91.52%86.72%61.12%38.04%47.27%
Operating Expense25.77M19.77M20.99M21.25M22.11M33.05M33.05M27.90M39.32M32.79M33.05M41.46M54.41M62.31M61.45M52.07M56.53M
Operating Income-601.00K5.09M-3.76M2.74M3.41M-5.44M-5.44M5.45M7.29M8.68M11.09M13.29M18.17M16.34M2.67M-7.56M-5.87M
Operating Margin-1.46%14.95%-11.63%8.74%10.80%-19.72%-16.91%14.21%15.64%16.80%19.71%19.69%22.91%18.02%2.55%-6.46%-5.47%
EBITDA1.49M7.22M-1.51M4.68M4.86M--4.20M6.83M8.56M10.19M12.68M14.95M19.72M18.40M4.29M-6.14M-5.17M
EBITDA Margin3.61%21.21%-4.67%14.94%15.40%--13.03%17.81%18.37%19.73%22.54%22.13%24.86%20.28%4.09%-5.25%-4.83%
Net Income1.00K3.90M-1.96M2.32M2.67M-5.09M-5.09M3.99M3.32M7.11M9.01M10.34M15.42M15.64M2.29M-6.61M-4.19M
Net Income Margin0.00%11.44%-6.06%7.39%8.46%-18.44%-15.81%10.41%7.12%13.75%16.02%15.31%19.44%17.25%2.18%-5.65%-3.91%
R&D-----000-0-------
R&D as % of Total Revenue-----0.00%0.00%0.00%-0.00%-------
Interest Expense11.68M8.26M7.14M6.00M4.73M04.59M4.77M5.16M9.01M11.45M7.72M5.37M10.52M39.47M56.02M49.70M
Interest Expense % of Total Revenue28.34%24.26%22.08%19.13%14.99%0.00%14.26%12.44%11.07%17.45%20.35%11.44%6.77%11.59%37.62%47.87%46.37%

Balance Sheet

Currency: USD2009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets-748.85M771.86M784.51M795.29M936.80M936.80M1.01B1.22B1.26B1.31B1.65B1.92B2.04B2.20B2.23B2.11B
Total Liabilities-671.63M694.56M705.89M714.30M746.12M746.12M820.36M1.04B1.09B1.13B1.47B1.73B1.88B2.04B2.08B1.95B
Total Equity-77.22M77.30M78.62M81.00M190.68M190.68M189.74M177.04M172.26M176.85M186.38M190.96M161.57M163.34M153.88M157.26M
Cash-35.75M42.48M22.95M18.96M45.03M45.03M22.65M26.70M26.32M48.74M65.16M126.02M45.60M123.17M72.45M85.12M
Total Debt-100.03M100.03M100.03M105.13M389.07M90.03M98.10M144.10M213.10M175.86M169.95M119.28M285.36M327.36M353.55M324.58M
Net Debt-64.28M57.56M77.08M86.17M344.04M45.00M58.02M117.40M110.23M64.19M44.82M-6.74M239.76M204.19M281.10M239.47M

Cash Flow

Currency: USD2009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow763.00K10.00M9.87M10.71M3.59M-1.17M-1.17M10.58M5.25M13.34M14.10M11.84M15.15M15.90M17.88M16.88M-2.76M
Investing Cash Flow-12.17M-7.38M-24.07M-42.17M-18.41M-119.46M-119.46M-93.08M-158.87M-60.73M-19.95M-314.54M-136.86M-237.65M-84.19M-87.07M133.35M
Financing Cash Flow5.63M6.17M20.92M11.93M10.82M146.70M146.70M60.12M125.54M36.91M28.27M319.11M182.57M141.32M143.89M19.47M-117.62M
Capital Expenditure487.00K683.00K834.00K469.00K1.97M1.47M1.27M2.06M1.08M2.84M426.00K1.82M6.02M2.91M1.57M00
Free Cash Flow276.00K9.31M9.04M10.24M1.62M-2.44M-2.44M8.52M4.17M10.50M13.67M10.02M9.14M12.99M16.30M16.88M-2.76M
Dividends Paid-----063.91M335.00K335.00K335.00K1.41M2.19M2.53M2.79M2.70M2.65M1.32M
FCF to OCF36.17%93.17%91.55%95.62%45.12%207.93%207.93%80.53%79.38%78.70%96.98%84.65%60.28%81.68%91.21%100.00%100.00%
Dividend Paid to FCF-----0.00%-2620.54%3.93%8.04%3.19%10.34%21.80%27.73%21.46%16.56%15.67%-47.79%

Earnings

Report DateDec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Dec 31, 2016Mar 31, 2017May 9, 2017Sep 8, 2017Nov 9, 2017Mar 12, 2018May 9, 2018Jul 26, 2018Oct 25, 2018Feb 1, 2019Apr 25, 2019Jul 26, 2019Oct 28, 2019Jan 27, 2020Apr 29, 2020Jul 30, 2020Oct 28, 2020Mar 12, 2021May 5, 2021Jul 28, 2021Oct 27, 2021Jan 26, 2022Apr 29, 2022Jul 27, 2022Oct 26, 2022Jan 26, 2023Apr 26, 2023Jul 27, 2023Oct 26, 2023Jan 25, 2024Apr 25, 2024Jul 25, 2024Oct 29, 2024Jan 29, 2025Apr 24, 2025Jul 24, 2025Oct 27, 2025Jan 29, 2026Apr 29, 2026Jul 29, 2026Oct 26, 2026
EPS Estimate0.000.00-----0.000.00-----------------0.320.250.310.430.350.430.520.380.280.280.200.120.080.100.070.090.100.190.180.040.010.01
EPS Actual0.07-0.620.060.100.060.070.090.110.200.200.100.170.090.140.150.190.210.220.210.250.230.090.210.400.410.340.320.450.560.300.270.470.660.390.200.28-0.130.040.16-0.23-0.32-0.010.420.220.040.000.03-
Surprise--------------------------0.00%80.00%80.65%-30.23%-22.86%9.30%26.92%2.63%-28.57%0.00%-165.00%-66.67%100.00%-330.00%-557.14%-111.11%320.00%15.79%-77.78%-98.25%200.00%-
Timing------------------------After-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-market-

Key Statistics & Ratios

Market Cap95.59M
Enterprise Value320.33M
Trailing P/E59.12
Forward P/E0.00
PEG Ratio0.00
Price / Sales1.39
Price / Book0.62
EPS0.17
Book Value17.81
Revenue (TTM)69.00M
Gross Profit (TTM)69.00M
Profit Margin2.17%
Operating Margin4.26%
Return on Equity0.97%
Return on Assets0.07%
Shares Outstanding9.51M
Shares Float6.45M
Beta0.63
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Analyst Ratings

Buy
Based on 2 analystsTarget 15.00
  • Strong Buy
    1
  • Hold
    1

Ownership Breakdown

Institutions
38.61%
Insiders
15.45%
Retail / Other
45.94%

Top Institutional Holders

  • Fourthstone LLC
    925.04K9.73%
  • FMR Inc
    471.13K4.95%
  • Mink Brook Asset Management LLC
    417.01K4.38%
  • Renaissance Technologies Corp
    338.31K3.56%
  • Vanguard Capital Management, LLC
    332.32K3.49%
  • Petiole USA ltd
    254.20K2.67%
  • Dimensional Fund Advisors, Inc.
    192.07K2.02%
  • Kennedy Capital Management Inc
    123.07K1.29%
  • BlackRock Inc
    115.04K1.21%
  • Geode Capital Management, LLC
    80.23K0.84%
  • Pinnacle Holdings, LLC
    79.87K0.84%
  • Huber Capital Management LLC
    72.27K0.76%
  • Arrowstreet Capital Limited Partnership
    62.98K0.66%
  • HoldCo Asset Management, L.P.
    59.77K0.63%
  • Arcus Capital Partners LLC
    56.99K0.60%
  • Bank of America Corp
    49.29K0.52%
  • Marshall Wace Asset Management Ltd
    48.43K0.51%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    241.24K2.54%
  • BSF Systematic US Eq Abs Ret A2 USD
    61.81K0.65%
  • Huber Small Cap Value Inv
    49.20K0.52%

Dividends

20252×
0.07May 9, 20250.07Feb 14, 2025
20244×
0.07Nov 8, 20240.07Aug 9, 20240.07May 9, 20240.07Feb 8, 2024
20234×
0.07Nov 9, 20230.07Aug 10, 20230.07May 11, 20230.07Feb 9, 2023
20224×
0.07Nov 9, 20220.07Aug 11, 20220.07May 12, 20220.07Feb 10, 2022
20214×
0.07Nov 10, 20210.06Aug 12, 20210.06May 13, 20210.06Feb 11, 2021
20204×
0.06Nov 12, 20200.05Aug 13, 20200.05May 14, 20200.05Feb 20, 2020
20192×
0.04Nov 21, 20190.03Aug 22, 2019