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First Northwest Bancorp logo

First Northwest Bancorp

FNWB

NASDAQFinancial ServicesBanks - Regional

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Previous close

$11.09

$0.00 · 0.00%

Aug 21, 4:00 PM ET

FNWB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

69

Undervalued

Momentum

57

Neutral

Sentiment

48

Mixed

Risk resilience

73

Moderate Risk

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Company profile

Company website

First Northwest Bancorp serves as the parent company for First Fed Bank, a financial institution that delivers a broad spectrum of commercial and consumer banking services. These services are provided to individuals, businesses, and nonprofit organizations across western Washington, USA. The bank offers various ways to deposit funds, including checking, money market, savings, and transaction accounts, as well as certificates of deposit. On the lending side, it originates residential mortgages for one-to-four family properties, financing for commercial and multi-family real estate, loans for construction and land development, and credit for commercial businesses. Its consumer loan portfolio largely consists of vehicle loans and home equity loans or lines of credit. Operations are conducted through twelve full-service branch locations and a specialized lending center in Seattle. The company was established in 1923 and its headquarters are situated in Port Angeles, Washington.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Curt T. Queyrouze
Listed since
Jan 30, 2015
Employees
242

Market position

Day range

Current $11.09

52-week range

Current $11.09

Open
$11.17
Previous close
$11.09
Volume
15.65K
0.54× average
Average volume
29.23K
Average daily volume
Market cap
105.35M USD
Beta
0.63
Market reference 1
50-day average
$11.186
-0.86% below average
200-day average
$10.0836
+9.98% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
329.04M USD
EV / EBITDA
-63.58×
Earnings yield
-4.68%
Free cash flow yield
-3.08%

Profitability & efficiency

Return on equity
-2.66%
Return on assets
-0.20%
Return on invested capital
-0.83%

Financial health

Current ratio
0.06×
Altman Z-score
1.04
Piotroski F-score
7 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends101%62%23%-16%Gross margin, FY2021: 91.52%Gross margin, FY2022: 86.72%Gross margin, FY2023: 61.12%Gross margin, FY2024: 38.04%Gross margin, FY2025: 47.27%Operating margin, FY2021: 22.91%Operating margin, FY2022: 18.02%Operating margin, FY2023: 2.55%Operating margin, FY2024: -6.46%Operating margin, FY2025: -5.47%Net margin, FY2021: 19.44%Net margin, FY2022: 17.25%Net margin, FY2023: 2.18%Net margin, FY2024: -5.65%Net margin, FY2025: -3.91%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 91.52%. Gross margin FY2022 86.72%. Gross margin FY2023 61.12%. Gross margin FY2024 38.04%. Gross margin FY2025 47.27%. Operating margin FY2021 22.91%. Operating margin FY2022 18.02%. Operating margin FY2023 2.55%. Operating margin FY2024 -6.46%. Operating margin FY2025 -5.47%. Net margin FY2021 19.44%. Net margin FY2022 17.25%. Net margin FY2023 2.18%. Net margin FY2024 -5.65%. Net margin FY2025 -3.91%.

Income trends

Revenue

107.19M USD-8.41%

Operating income

−5.87M USD+22.38%

Net income

−4.19M USD+36.62%
Income trends across reported periods129.49M USD79.66M USD29.82M USD−20.02M USDRevenue, FY2021: 79.31M USDRevenue, FY2022: 90.71M USDRevenue, FY2023: 104.92M USDRevenue, FY2024: 117.04M USDRevenue, FY2025: 107.19M USDOperating income, FY2021: 18.17M USDOperating income, FY2022: 16.34M USDOperating income, FY2023: 2.68M USDOperating income, FY2024: −7.56M USDOperating income, FY2025: −5.87M USDNet income, FY2021: 15.42M USDNet income, FY2022: 15.65M USDNet income, FY2023: 2.29M USDNet income, FY2024: −6.61M USDNet income, FY2025: −4.19M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 79.31M USD. Revenue FY2022 90.71M USD. Revenue FY2023 104.92M USD. Revenue FY2024 117.04M USD. Revenue FY2025 107.19M USD. Operating income FY2021 18.17M USD. Operating income FY2022 16.34M USD. Operating income FY2023 2.68M USD. Operating income FY2024 −7.56M USD. Operating income FY2025 −5.87M USD. Net income FY2021 15.42M USD. Net income FY2022 15.65M USD. Net income FY2023 2.29M USD. Net income FY2024 −6.61M USD. Net income FY2025 −4.19M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue107.19M USD117.04M USD104.92M USD90.71M USD79.31M USD
Cost of goods sold56.53M USD72.52M USD40.79M USD12.05M USD6.72M USD
Gross profit50.67M USD44.52M USD64.13M USD78.66M USD72.59M USD
Selling, general, and administrative19.49M USD37.27M USD36.71M USD41.49M USD37.5M USD
Operating expenses56.53M USD52.07M USD61.45M USD62.31M USD54.41M USD
Interest income106.08M USD111.13M USD100.02M USD79.88M USD63.48M USD
Interest expense49.7M USD56.02M USD39.47M USD10.52M USD5.37M USD
Depreciation and amortization691K USD1.42M USD1.62M USD2.05M USD1.55M USD
Operating income−5.87M USD−7.56M USD2.68M USD16.34M USD18.17M USD
Net income−4.19M USD−6.61M USD2.29M USD15.65M USD15.42M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
36%
4 beats, 7 misses, 0 met estimates
Average EPS surprise
-103.66%
11 comparable reports
Latest EPS result
0.03
Estimate 0.01 · Beat by 200.00%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.480.19-0.09-0.38Q1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25MissQ1 '26MissQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 29, 2025: actual -0.32, estimate 0.06, surprise -633.33%, Miss. Q2 2025, reported Apr 24, 2025: actual 0.17, estimate 0.12, surprise +41.67%, Beat. Q3 2025, reported Jul 24, 2025: actual 0.42, estimate 0.09, surprise +366.67%, Beat. Q4 2025, reported Oct 27, 2025: actual 0.09, estimate 0.18, surprise -50.00%, Miss. Q1 2026, reported Jan 29, 2026: actual 0.04, estimate 0.09, surprise -55.56%, Miss. Q2 2026, reported Apr 29, 2026: actual 0.001, estimate 0.03, surprise -97.67%, Miss. Q3 2026, reported Jul 29, 2026: actual 0.03, estimate 0.01, surprise +200.00%, Beat. Q4 2026, reported Oct 26, 2026: actual —, estimate 0.01, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates19.12M17.23M15.34M13.46MQ1 '25MissQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 29, 2025: actual 15.44M USD, estimate 16.75M USD, surprise -7.84%, Miss. Q2 2025, reported Apr 24, 2025: actual 17.62M USD, estimate 16.45M USD, surprise +7.14%, Beat. Q3 2025, reported Jul 24, 2025: actual 14.19M USD, estimate 16.7M USD, surprise -15.01%, Miss. Q4 2025, reported Oct 27, 2025: actual 14.57M USD, estimate 17.15M USD, surprise -15.05%, Miss. Q1 2026, reported Jan 29, 2026: actual 18.38M USD, estimate 17.15M USD, surprise +7.17%, Beat. Q2 2026, reported Apr 29, 2026: actual 16.45M USD, estimate 16.8M USD, surprise -2.10%, Miss. Q3 2026, reported Jul 29, 2026: actual 16.18M USD, estimate 16.95M USD, surprise -4.55%, Miss. Q4 2026, reported Oct 26, 2026: actual —, estimate 16.55M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Recent analyst actions

1 institution

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ETFs holding FNWB

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
2.76M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
982.8K
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Micro-Cap ETF logoiShares Micro-Cap ETFIWC
Market value
314.65K
Weight
0.02%
AUM
1.53B USD
Expense ratio
0.60%
Price / 1D
$198.39+1.10%
U.S. Micro Cap Portfolio ETF logoU.S. Micro Cap Portfolio ETFDFMC
Market value
284.2K
Weight
0.00%
AUM
8.06B USD
Expense ratio
0.43%
Price / 1D
$60.95+0.73%
EA Bridgeway Omni Small-Cap Value ETF logoEA Bridgeway Omni Small-Cap Value ETFBSVO
Market value
270K
Weight
0.01%
AUM
1.71B USD
Expense ratio
0.47%
Price / 1D
$29.62+0.85%
Dimensional - US Small Cap Value ETF logoDimensional - US Small Cap Value ETFDFSV
Market value
250.79K
Weight
0.00%
AUM
8.42B USD
Expense ratio
0.30%
Price / 1D
$40.29+0.72%
Dimensional - US Small Cap ETF logoDimensional - US Small Cap ETFDFAS
Market value
241.47K
Weight
0.00%
AUM
15.92B USD
Expense ratio
0.26%
Price / 1D
$83.02+0.73%
Dimensional - US Core Equity 2 ETF logoDimensional - US Core Equity 2 ETFDFAC
Market value
237.36K
Weight
0.00%
AUM
49.31B USD
Expense ratio
0.17%
Price / 1D
$45.61+0.46%

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