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Upturn AI SWOT - About
FNWB 
First Northwest Bancorp (FNWB)
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Upturn Advisory Summary
08/14/2025: FNWB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $10
1 Year Target Price $10
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -18.85% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 71.40M USD | Price to earnings Ratio - | 1Y Target Price 10 |
Price to earnings Ratio - | 1Y Target Price 10 | ||
Volume (30-day avg) 2 | Beta 0.74 | 52 Weeks Range 6.05 - 12.01 | Updated Date 08/15/2025 |
52 Weeks Range 6.05 - 12.01 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 3.54% | Basic EPS (TTM) -1.15 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-24 | When Before Market | Estimate 0.1 | Actual 0.26 |
Profitability
Profit Margin -20.8% | Operating Margin (TTM) 27.42% |
Management Effectiveness
Return on Assets (TTM) -0.46% | Return on Equity (TTM) -6.59% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 344472544 | Price to Sales(TTM) 1.46 |
Enterprise Value 344472544 | Price to Sales(TTM) 1.46 | ||
Enterprise Value to Revenue 6.62 | Enterprise Value to EBITDA - | Shares Outstanding 8902150 | Shares Floating 5860251 |
Shares Outstanding 8902150 | Shares Floating 5860251 | ||
Percent Insiders 15.47 | Percent Institutions 50.5 |
Upturn AI SWOT
First Northwest Bancorp
Company Overview
History and Background
First Northwest Bancorp was founded in 1923 as First Federal Savings and Loan Association of Port Angeles. It converted to a mutual holding company structure in 1998 and subsequently to a stock holding company in 2015. The company has grown organically and through strategic initiatives, focusing on serving individuals, families, and businesses in the Pacific Northwest.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate loans, business lines of credit, and term loans.
- Retail Banking: Offers deposit accounts, residential mortgages, consumer loans, and other services to individuals and families.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and families.
Leadership and Structure
The leadership team is headed by the CEO, who oversees various departments, including lending, retail banking, and finance. The organizational structure includes a board of directors responsible for governance and strategic oversight.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share information is unavailable, competition includes larger regional and national banks (e.g., WAFD, USB).
- Residential Mortgages: Offers mortgage products for home purchases and refinances. Market share information is unavailable, competition includes larger regional and national banks, as well as mortgage brokers (e.g., RKT).
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share information is unavailable, competition includes local credit unions and larger national banks.
Market Dynamics
Industry Overview
The banking industry is facing increasing competition, regulatory scrutiny, and evolving customer expectations. Interest rate fluctuations and economic conditions also significantly impact performance.
Positioning
First Northwest Bancorp operates as a community bank, focusing on building relationships and providing personalized service. Its competitive advantages include local expertise and a strong reputation within its market area.
Total Addressable Market (TAM)
The total addressable market includes the total deposits and loan activity within its operating region, estimated to be in the billions of dollars. First Northwest Bancorp holds a small percentage of this TAM and aims to grow through organic expansion and targeted acquisitions.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Customer-centric approach
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Dependence on local economy
- Higher cost structure than larger competitors
Opportunities
- Expanding into new markets within the Pacific Northwest
- Increasing market share through targeted marketing
- Acquiring smaller community banks
- Leveraging technology to improve efficiency
Threats
- Increased competition from larger banks and online lenders
- Economic downturn impacting loan demand and credit quality
- Rising interest rates impacting profitability
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- WAFD
- BOKF
- Umpqua Holdings Corporation (UMPQ)
Competitive Landscape
First Northwest Bancorp faces competition from larger regional banks and smaller community banks. Its advantages include local expertise and personalized service, while its disadvantages include smaller scale and limited geographic diversification.
Growth Trajectory and Initiatives
Historical Growth: First Northwest Bancorp's growth has been steady, driven by organic loan and deposit growth, as well as strategic acquisitions.
Future Projections: Analyst estimates vary, but generally project continued growth driven by expansion in the Pacific Northwest. Check analyst data.
Recent Initiatives: Recent initiatives include expanding digital banking services and focusing on commercial lending.
Summary
First Northwest Bancorp is a community bank operating in a competitive environment. Its strengths include a strong local presence and customer-centric approach. The company faces challenges related to its smaller scale and competition from larger banks. Expanding its digital offerings and managing credit risk are crucial for sustained growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Financial News Outlets
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance can change rapidly. Verify all information with official sources before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Northwest Bancorp
Exchange NASDAQ | Headquaters Port Angeles, WA, United States | ||
IPO Launch date 2015-01-30 | Executive VP, Interim CEO & COO Ms. Geraldine L. Bullard CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 227 | Website https://www.ourfirstfed.com |
Full time employees 227 | Website https://www.ourfirstfed.com | ||
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 western Washington, the United States. The company accepts various deposit instruments, such as checking, money market deposit, savings, and transaction accounts, as well as certificates of deposit. It also originates one- to four-family mortgage loans, commercial and multi-family real estate loans, construction and land loans, and commercial business loans, as well as consumer loans primarily consisting of automobile loans, and home-equity loans and lines of credit. It operates branch offices in Clallam, Jefferson, King, Kitsap, and Whatcom Counties, Washington. First Northwest Bancorp was founded in 1923 and is based in Port Angeles, Washington.
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