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May 22, 2026·SEC
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Apr 29, 2026·SEC
First Northwest Bancorp(FNWB)Earnings, Financials & Key Ratios
FNWB•NASDAQ•Banking & Credit
$10.41
Price updated Jun 25, 2026
AboutFirst 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. It accepts various deposit instruments, including checking, money market deposit, savings, and transaction accounts, as well as certificates of deposit. The company 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 through 12 full-service branches and a lending center in Seattle. The company was founded in 1923 and is based in Port Angeles, Washington.Show more
- Net Interest Income$56M+2.3%
- Total Revenue$107M-8.4%
- Net Income-$4M+36.6%
- Return on Equity-2.69%+35.4%
- Net Interest Margin2.67%+8.3%
- Efficiency Ratio52.74%+18.5%
- ROA-0.19%+35.3%
- Equity / Assets7.46%+8.2%
- Book Value per Share16.47-6.3%
FNWB Price & Volume
First Northwest Bancorp (FNWB) stock price & volume — 10-year historical chart
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Persistent Margin Compression Stifles Earnings Growth Potential
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Contracting
Profitability:Negative
Financial Position:Vulnerable
Cash Flow:Mixed
Primary Risk:CRE concentration and margin
"First Northwest Bancorp faces significant structural headwinds characterized by stagnant net interest income and a persistent net interest margin of 0.7% as of 2026Q1. The bank's heavy reliance on a $1.9 billion securities portfolio to manage liquidity, coupled with volatile credit provisioning that reached $8.7 million in 2024Q2, suggests a vulnerable balance sheet profile. Investors should remain cautious as the cessation of dividend payments in 2026Q1 highlights the ongoing struggle to generate consistent organic capital in a competitive regional banking environment."
Verdict Logic
the bank's inability to expand its net interest margin beyond 0.7% and the recent cessation of dividend payments indicate significant fundamental instability.
FNWB Growth Metrics
First Northwest Bancorp (FNWB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years10.83%
5 Years9.68%
3 Years5.73%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM130.23%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM130.09%
Return on Capital
10 Years2.55%
5 Years1.9%
3 Years-0.89%
Last Year-1.47%
FNWB Recent Earnings
First Northwest Bancorp (FNWB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 3/12 qtrs (25%)●Beat Revenue 2/12 qtrs (18%)
Q2 2026Latest
Apr 29, 2026Metric
Actual
Est
EPS
$0.00-97.7%
$0.03
Rev
$16M-2.1%
$17M
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$0.04-55.6%
$0.09
Rev
$18M+7.2%
$17M
Q4 2025
Oct 27, 2025Metric
Actual
Est
EPS
$0.09-50.0%
$0.18
Rev
$15M-15.0%
$17M
Q3 2025
Jul 24, 2025Metric
Actual
Est
EPS
$0.42+366.7%
$0.09
Rev
$14M-15.0%
$17M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.00vs $0.03-97.7% | $16Mvs $17M-2.1% |
| Q1 2026 | Jan 29, 2026 | $0.04vs $0.09-55.6% | $18Mvs $17M+7.2% |
| Q4 2025 | Oct 27, 2025 | $0.09vs $0.18-50.0% | $15Mvs $17M-15.0% |
| Q3 2025 | Jul 24, 2025 | $0.42vs $0.09+366.7% | $14Mvs $17M-15.0% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for First Northwest Bancorp (FNWB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $10.41 | $98.89M | -21.69 | -8.41% | -3.91% | -2.69% | 1.33% | |
| $29.29 | $995.78M | 14.94 | 5.92% | 20.5% | 7.58% | — | |
| $32.07 | $7.63B | 13.94 | 8.35% | 19.56% | 9.16% | — | |
| $38.01 | $2.81B | 14.45 | -1.58% | 18.26% | 8.36% | — | |
| $15.09 | $2.21B | 16.40 | 16.3% | 14.75% | 7.3% | — | |
| $22.82 | $220.08M | 15.63 | -9.41% | 16.49% | 8% | — |
Compare FNWB vs Peers
First Northwest Bancorp (FNWB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FNWB SEC Filings & Documents
First Northwest Bancorp (FNWB) SEC filings — annual & quarterly reports (10-K, 10-Q)
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FNWB Frequently Asked Questions
First Northwest Bancorp (FNWB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is First Northwest Bancorp growing?
First Northwest Bancorp (FNWB) saw revenue decline by 8.4% over the past year.
Is FNWB profitable?
Yes, First Northwest Bancorp (FNWB) is profitable, generating $4.9M in net income for fiscal year 2025 (-3.9% net margin).
Dividend & Returns
Does FNWB pay dividends?
Yes, First Northwest Bancorp (FNWB) pays a dividend with a yield of 1.33%. This makes it attractive for income-focused investors.
What is FNWB's return on equity?
First Northwest Bancorp (FNWB) has a return on equity (ROE) of -2.7%. Negative ROE indicates the company is unprofitable.
Industry Metrics
What is First Northwest Bancorp's net interest margin?
First Northwest Bancorp (FNWB) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.
What is First Northwest Bancorp's efficiency ratio?
First Northwest Bancorp (FNWB) has an efficiency ratio of 52.7%. This is excellent, indicating strong cost control.