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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.

Market Outlook

Short Term

< 1 year
Neutral
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 years
Positive
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 years
Neutral
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

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.