Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
FNWB 
First Northwest Bancorp (FNWB)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
10/14/2025: FNWB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 28 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 70.06M USD | Price to earnings Ratio - | 1Y Target Price 10 |
Price to earnings Ratio - | 1Y Target Price 10 | ||
Volume (30-day avg) 2 | Beta 0.69 | 52 Weeks Range 6.05 - 12.01 | Updated Date 10/14/2025 |
52 Weeks Range 6.05 - 12.01 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 3.58% | Basic EPS (TTM) -1.15 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 343157984 | Price to Sales(TTM) 1.43 |
Enterprise Value 343157984 | Price to Sales(TTM) 1.43 | ||
Enterprise Value to Revenue 6.59 | Enterprise Value to EBITDA - | Shares Outstanding 8902151 | Shares Floating 5729757 |
Shares Outstanding 8902151 | Shares Floating 5729757 | ||
Percent Insiders 16 | Percent Institutions 50.52 |
Upturn AI SWOT
First Northwest Bancorp
Company Overview
History and Background
First Northwest Bancorp (FNWB) was founded in 1923 as First Federal Savings and Loan Association. It has evolved from a savings and loan to a full-service community bank.
Core Business Areas
- Commercial Banking: Offers loans, deposit accounts, and other financial services to businesses.
- Retail Banking: Provides banking services to individuals, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers investment and financial planning services.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure is typical of a community bank, with departments for lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans for commercial properties, contributing a significant portion of FNWB's loan portfolio. Market share data is not readily available, and the competitors include larger national and regional banks.
- Residential Mortgages: Mortgages for homebuyers. Market share data is not readily available and competes with national mortgage lenders.
- Deposit Accounts: Checking, savings, and money market accounts. Market share data is not readily available, and competes with other local and national banks
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, inflation, and increasing competition from fintech companies.
Positioning
First Northwest Bancorp is positioned as a community bank focused on serving local businesses and individuals. Its competitive advantage lies in its local presence and personalized service.
Total Addressable Market (TAM)
The TAM for community banking is significant, encompassing all individuals and businesses needing banking services within their geographic area. FNWB's position is within its local market, aiming for a substantial share of that regional segment.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Experienced management team
- Strong community ties
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Lower technological resources compared to larger financial institutions
Opportunities
- Expanding into new markets within the region
- Increasing digital banking services
- Acquiring smaller banks
- Growing wealth management business
Threats
- Competition from larger banks and credit unions
- Economic downturn in the region
- Rising interest rates
- Increasing regulatory burden
Competitors and Market Share
Key Competitors
- WAFD
- COLB
- UMBF
Competitive Landscape
FNWB competes with larger regional and national banks. Its advantage is its local focus and community ties, but it faces disadvantages in terms of scale and resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends can be assessed by reviewing past financial statements and reports.
Future Projections: Future projections are based on analyst estimates.
Recent Initiatives: Recent strategic initiatives require specific research into company announcements and reports.
Summary
First Northwest Bancorp is a community bank with strengths in local presence and customer service. Its weaknesses include limited scale and dependence on the local economy. Opportunities lie in expanding its digital presence and acquiring smaller institutions while it must manage threats from larger competitors and economic downturns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Outlets
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source.
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 | President, CEO & Director Mr. Curt T. Queyrouze | ||
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.