FNWB:NASDAQFirst Northwest Bancorp Analysis
Data as of 2026-04-04 - not real-time
$9.18
Latest Price
5/10Risk
Risk Level: Medium
Executive Summary
First Northwest Bancorp is trading just above its 20‑day moving average with a neutral trend, while the MACD has turned bullish and volume is on the rise, suggesting short‑term buying pressure near the $8.44 support zone and below the $9.52 resistance level.
Fundamentally, the bank reports a negative trailing EPS but a positive forward EPS, giving a forward P/E of roughly 9.4 versus an industry average of 16.6, and a price‑to‑book around 0.5, indicating the stock is priced well below its book value. However, profitability remains weak with a negative profit margin, operating cash flow outflows, and a payout ratio exceeding 100%, raising questions about dividend sustainability. The high dividend yield of about 3% is attractive but may be unsustainable given the earnings shortfall and elevated debt levels. Overall, the technical setup points to modest upside potential, while the fundamentals suggest a cautious approach until earnings turn consistently positive.
Fundamentally, the bank reports a negative trailing EPS but a positive forward EPS, giving a forward P/E of roughly 9.4 versus an industry average of 16.6, and a price‑to‑book around 0.5, indicating the stock is priced well below its book value. However, profitability remains weak with a negative profit margin, operating cash flow outflows, and a payout ratio exceeding 100%, raising questions about dividend sustainability. The high dividend yield of about 3% is attractive but may be unsustainable given the earnings shortfall and elevated debt levels. Overall, the technical setup points to modest upside potential, while the fundamentals suggest a cautious approach until earnings turn consistently positive.
Market Outlook
Short Term
< 1 yearNeutral
Model confidence: 6/10
Key Factors
- Bullish MACD crossover with positive histogram
- Increasing volume supporting price stability
- Price positioned near short‑term support level
Medium Term
1–3 yearsPositive
Model confidence: 8/10
Key Factors
- Forward earnings estimate implies a 44% upside
- Low valuation multiples relative to peers
- Attractive dividend yield despite sustainability concerns
Long Term
> 3 yearsNeutral
Model confidence: 5/10
Key Factors
- Negative trailing profitability and cash flow
- High debt load for a regional bank
- Potential regulatory headwinds for the banking sector
Key Metrics & Analysis
Financial Health
Revenue Growth63.60%
Profit Margin-6.92%
P/E Ratio9.4
ROE-2.69%
ROA-0.19%
P/B Ratio0.5
Op. Cash Flow$-2758000
Industry P/E16.6
Technical Analysis
TrendNeutral
RSI54.4
Support$8.44
Resistance$9.52
MA 20$8.86
MA 50$9.63
MA 200$8.76
MACDBullish
VolumeIncreasing
Fear & Greed Index78.8
Valuation
Target Price$13.25
Upside/Downside44.34%
GradeUndervalued
TypeValue
Dividend Yield3.02%
Risk Assessment
Beta0.42
Volatility29.01%
Sector RiskMedium
Reg. RiskHigh
Geo RiskLow
Currency RiskLow
Liquidity RiskMedium
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This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.