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Upturn AI SWOT - About
FNWB 
First Northwest Bancorp (FNWB)
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Upturn Advisory Summary
06/30/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
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 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 67.55M USD | Price to earnings Ratio - | 1Y Target Price 10 |
Price to earnings Ratio - | 1Y Target Price 10 | ||
Volume (30-day avg) 2 | Beta 0.71 | 52 Weeks Range 6.05 - 12.01 | Updated Date 06/30/2025 |
52 Weeks Range 6.05 - 12.01 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 3.70% | Basic EPS (TTM) -1.82 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -35.19% | Operating Margin (TTM) -98.86% |
Management Effectiveness
Return on Assets (TTM) -0.73% | Return on Equity (TTM) -10.45% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 321582496 | Price to Sales(TTM) 1.48 |
Enterprise Value 321582496 | Price to Sales(TTM) 1.48 | ||
Enterprise Value to Revenue 6.27 | Enterprise Value to EBITDA - | Shares Outstanding 8923850 | Shares Floating 7748573 |
Shares Outstanding 8923850 | Shares Floating 7748573 | ||
Percent Insiders 15.32 | Percent Institutions 49.28 |
Analyst Ratings
Rating 2 | Target Price 10 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Northwest Bancorp
Company Overview
History and Background
First Northwest Bancorp, headquartered in Port Angeles, Washington, operates as the bank holding company for First Federal Savings and Loan Association. Founded in 1923, it has evolved from a community-focused thrift institution to a more diversified financial services provider.
Core Business Areas
- Community Banking: Provides traditional banking services including checking and savings accounts, loans, and mortgages to individuals and small businesses. Focuses on serving the local communities in Washington.
- Commercial Lending: Offers commercial real estate loans, construction loans, and other financing solutions to businesses in its market areas.
- Wealth Management: Provides wealth management and investment advisory services.
Leadership and Structure
The company is led by its board of directors and a management team headed by the CEO. It operates through its primary subsidiary, First Federal Savings and Loan Association.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Mortgage loans are a core product, catering to homeowners and prospective buyers. The mortgage market is highly competitive with national banks and credit unions. Market share is regional and varies based on local market conditions. Competitors include Chase, Wells Fargo, and local credit unions.
- Commercial Real Estate Loans: Financing for commercial properties, targeting small to medium-sized businesses. The market is competitive with regional and national banks. Market share is dependent on the local Washington market. Competitors include US Bank and KeyBank.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. The market is highly competitive with national banks and online banks. Market share is dependent on the local Washington market. Competitors include Bank of America and online banks such as Ally.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, rising interest rates, and evolving customer preferences towards digital banking solutions. Community banks are navigating these challenges while competing with larger national banks and fintech companies.
Positioning
First Northwest Bancorp positions itself as a community-focused bank, emphasizing personalized service and local expertise. Its competitive advantages include strong relationships with local businesses and a deep understanding of the regional market.
Total Addressable Market (TAM)
The TAM for banking services in First Northwest Bancorp's operating region is estimated to be in the billions. The bank is positioned to capture a portion of this market through its community focus and local expertise.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Local market expertise
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach compared to larger banks
- Dependence on local economy
- Smaller scale may limit investment in technology
- Lower brand recognition outside of its core markets
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking solutions
- Growth in local economy
- Strategic acquisitions of smaller banks
Threats
- Competition from larger national banks
- Rising interest rates
- Economic downturn in the region
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- WAFD
- UMPQ
- COLB
Competitive Landscape
First Northwest Bancorp faces competition from larger national banks and smaller community banks. Its competitive advantage lies in its local market expertise and strong community relationships.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic expansion and a focus on community banking.
Future Projections: Future growth is expected to be moderate, dependent on economic conditions in the region and the success of strategic initiatives.
Recent Initiatives: Recent initiatives may include digital banking upgrades, expansion into new markets, and community outreach programs. Check the company website for the most up to date initiatives.
Summary
First Northwest Bancorp is a community-focused bank with strengths in local market knowledge and customer relationships. However, it faces challenges from larger competitors and the evolving banking landscape. Its focus on community banking and regional expertise can sustain growth, but investments in technology and diversification may be needed to thrive. Economic conditions in its operating region significantly impact its performance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Financial News Outlets
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Consult with a qualified financial advisor before making any 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 | President, CEO & Director Mr. Matthew P. Deines 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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