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Upturn AI SWOT - About
FFNW 
First Financial Northwest Inc (FFNW)
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Upturn Advisory Summary
03/10/2025: FFNW (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 106.56% | Avg. Invested days 109 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 03/10/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 209.20M USD | Price to earnings Ratio 188.92 | 1Y Target Price 23.25 |
Price to earnings Ratio 188.92 | 1Y Target Price 23.25 | ||
Volume (30-day avg) 25972 | Beta 0.53 | 52 Weeks Range 18.03 - 23.50 | Updated Date 03/30/2025 |
52 Weeks Range 18.03 - 23.50 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 2.29% | Basic EPS (TTM) 0.12 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 2.85% | Operating Margin (TTM) 15.21% |
Management Effectiveness
Return on Assets (TTM) 0.07% | Return on Equity (TTM) 0.66% |
Valuation
Trailing PE 188.92 | Forward PE 11.39 | Enterprise Value 269563392 | Price to Sales(TTM) 5.56 |
Enterprise Value 269563392 | Price to Sales(TTM) 5.56 | ||
Enterprise Value to Revenue 8.57 | Enterprise Value to EBITDA - | Shares Outstanding 9227940 | Shares Floating 6539657 |
Shares Outstanding 9227940 | Shares Floating 6539657 | ||
Percent Insiders 13.71 | Percent Institutions 50.67 |
Analyst Ratings
Rating 3.67 | Target Price 22.83 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Financial Northwest Inc
Company Overview
History and Background
First Financial Northwest, Inc. (FFNW) was founded in 1923 as First Federal Savings and Loan Association of Bremerton. It converted to a stock form of organization and became First Financial Northwest, Inc. over the years growing its branch network and broadening its service offerings.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit services to businesses, including commercial real estate loans, business term loans, and lines of credit.
- Retail Banking: Offers a suite of personal banking products such as checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides investment and financial planning services to individuals and families.
Leadership and Structure
The company is led by a board of directors and executive management team. A typical bank organizational structure, departments are divided by function, such as lending, operations, and compliance.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Residential mortgages are a core product, with focus on the Washington state area. Market share data is localized; no current comprehensive market share data is publicly available for First Financial Northwest's specific regional market share in mortgages. Competitors include national banks like Wells Fargo and Chase, regional banks like Umpqua Bank, and mortgage lenders like Rocket Mortgage.
- Commercial Real Estate Loans: CRE loans are a significant component of the lending portfolio. Market share data is localized; no current comprehensive market share data is publicly available for First Financial Northwest's specific regional market share in CRE. Competitors include national banks, regional banks, and private lending institutions.
- Checking and Savings Accounts: Traditional banking products that are crucial for gathering deposits. Competitors include Bank of America, Chase and local credit unions.
Market Dynamics
Industry Overview
The banking industry is influenced by interest rates, economic conditions, and regulatory changes. Increased competition from fintech companies is also a factor.
Positioning
First Financial Northwest Inc. is a community bank focused on serving individuals and businesses in the Pacific Northwest, differentiating itself through personalized service and local expertise.
Total Addressable Market (TAM)
The total addressable market includes all banking services in Washington State and the Pacific Northwest. First Financial Northwest Inc. is positioned to capture a share of this TAM by focusing on local markets and building strong customer relationships. TAM is roughly $100+ billion but highly fragmented.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Personalized customer service
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Potential reliance on concentrated lending segments
- Higher efficiency ratio than larger competitors
Opportunities
- Expansion into new markets within the Pacific Northwest
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Strategic acquisitions of smaller banks or credit unions
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn in the Pacific Northwest
- Regulatory changes
Competitors and Market Share
Key Competitors
- UMPQ
- WAFD
- BOKF
Competitive Landscape
First Financial Northwest Inc. competes with larger regional and national banks, as well as smaller community banks. They must maintain personalized services to create an advantage over the large companies.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are based on historical financial performance.
Future Projections: Analyst estimates for future growth can be found on financial websites.
Recent Initiatives: Examples include expansion of branch network, investment in digital banking, or strategic partnerships.
Summary
First Financial Northwest Inc. is a community-focused bank with strengths in its local market presence and customer service. However, its smaller size and limited geographic diversification pose challenges. To ensure success, it has to capitalize on opportunities such as digital banking and strategic acquisitions while guarding against threats like rising interest rates and competition.
Similar Companies
- UMPQ
- WAFD
- BANF
- CASH
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Company website
- Financial news sources
- Market research reports
Disclaimers:
The data and analysis provided are for informational purposes only and do not constitute investment advice. Market share estimations are approximate based on public information. Actual results may vary.
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 Financial Northwest Inc
Exchange NASDAQ | Headquaters Renton, WA, United States | ||
IPO Launch date 2007-10-10 | President, CEO & Director Mr. Joseph W. Kiley III | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 135 | Website https://www.ffnwb.com |
Full time employees 135 | Website https://www.ffnwb.com | ||
First Financial Northwest, Inc. operates as the bank holding company for First Financial Northwest Bank that provides commercial banking services in Washington. The company offers a range of deposit products, including noninterest-bearing accounts, interest-bearing demand accounts, money market accounts, savings accounts, and certificates of deposit. Its loan products comprise one-to-four family residential loans; multifamily and commercial real estate loans; construction,land loans; business loans; and secured consumer loans which includes auto loans and savings account loans, and home equity loans which includes lines of credit and second mortgage term loans. The company also provides wealth management services, and online banking services, as well as debit cards and ATMs. The company was founded in 1923 and is headquartered in Renton, Washington.
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