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Upturn AI SWOT - About
FNWB 
First Northwest Bancorp (FNWB)
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Upturn Advisory Summary
04/01/2025: 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.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -29.33% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 89.61M USD | Price to earnings Ratio - | 1Y Target Price 12.5 |
Price to earnings Ratio - | 1Y Target Price 12.5 | ||
Volume (30-day avg) 16535 | Beta 0.99 | 52 Weeks Range 8.73 - 15.09 | Updated Date 04/2/2025 |
52 Weeks Range 8.73 - 15.09 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 2.76% | Basic EPS (TTM) -0.75 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -12.99% | Operating Margin (TTM) -34.12% |
Management Effectiveness
Return on Assets (TTM) -0.3% | Return on Equity (TTM) -4.17% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 369849376 | Price to Sales(TTM) 1.76 |
Enterprise Value 369849376 | Price to Sales(TTM) 1.76 | ||
Enterprise Value to Revenue 7.26 | Enterprise Value to EBITDA - | Shares Outstanding 8828630 | Shares Floating 5750783 |
Shares Outstanding 8828630 | Shares Floating 5750783 | ||
Percent Insiders 20.82 | Percent Institutions 48.6 |
Analyst Ratings
Rating 3 | Target Price 11 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Northwest Bancorp
Company Overview
History and Background
First Northwest Bancorp was founded in 1923 as First Federal Savings and Loan Association of Port Angeles. It converted to a stock savings bank and adopted the name First Northwest Bank in 2014 and later became a bank holding company.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services including lending, deposit accounts, and cash management for businesses.
- Retail Banking: Offers retail banking services such as checking and savings accounts, mortgages, and personal loans to individuals.
- Wealth Management: Provides wealth management services, including financial planning, investment management, and trust services.
Leadership and Structure
The leadership team includes the CEO, CFO, and other senior executives. The organizational structure includes various departments such as lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data is not publicly available. Competitors include larger national and regional banks.
- Residential Mortgages: Offers residential mortgage products. Market share data is not publicly available. Competitors include mortgage lenders and larger banks.
- Deposit Accounts: Provides checking, savings, and money market accounts. Market share data is not publicly available. Competitors include local and national banks.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, rising interest rates, and evolving regulatory landscape. Consolidation is a continuing trend.
Positioning
First Northwest Bancorp is a community bank focused on serving the Pacific Northwest region. Its competitive advantages include local expertise and personalized customer service.
Total Addressable Market (TAM)
The TAM for community banking services in the Pacific Northwest is estimated to be in the billions of dollars. First Northwest Bancorp is positioned to capture a portion of this market through its regional focus and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer-focused service
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Reliance on local economy
- Less technological investment than bigger banks
Opportunities
- Expansion into new markets within the Pacific Northwest
- Increased demand for community banking services
- Strategic acquisitions
- Growth in wealth management services
Threats
- Increased competition from larger banks and credit unions
- Economic downturn in the Pacific Northwest
- Rising interest rates
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- WAFD
- UMPQ
- BOKF
Competitive Landscape
First Northwest Bancorp competes with larger regional and national banks, as well as credit unions. Its advantages include a strong local presence and personalized customer service. Disadvantages include smaller scale and limited geographic reach.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth data would require specific financial data, which isn't accessible via general knowledge.
Future Projections: Future projections would require specific analyst estimates, which aren't accessible via general knowledge.
Recent Initiatives: Recent initiatives include expansion of digital banking services and investment in technology to improve customer experience.
Summary
First Northwest Bancorp is a community bank with a strong local presence in the Pacific Northwest. Its focus on customer service and conservative lending practices are working well. It needs to be aware of competition from larger banks and potential economic downturns.
Similar Companies
BOKF
BOK Financial Corporation
BOKF
BOK Financial Corporation
COLB
Columbia Banking System Inc
COLB
Columbia Banking System Inc
WAFD
Washington Federal Inc
WAFD
Washington Federal Inc
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Market Data Aggregators
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. Financial metrics and future projections are not available in this format. 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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