FNWB Valuation

First Northwest Bancorp

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9.000

-0.07(-0.772%)1D

FNWB Relative Valuation

FNWB's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, FNWB is overvalued; if below, it's undervalued.

Historical Valuation

First Northwest Bancorp (FNWB) is now in the Overvalued zone, suggesting that its current forward PE ratio of 14.17 is considered Overvalued compared with the five-year average of 11.79. The fair price of First Northwest Bancorp (FNWB) is between 4.35 to 8.93 according to relative valuation methord. Compared to the current price of 9.00 USD , First Northwest Bancorp is Overvalued By 0.79%.

Relative Value

Fair Zone

4.35-8.93

Current Price：9.00

0.79%

Overvalued

14.17

Trailing

Forward

0.00

EV/EBITDA

First Northwest Bancorp. (FNWB) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

First Northwest Bancorp. (FNWB) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

9.07

First Northwest Bancorp. (FNWB) has a current PS of 9.07. The 5-year average PS is 1.70. The thresholds are as follows: Strongly Undervalued below 0.28, Undervalued between 0.28 and 0.99, Fairly Valued between 2.41 and 0.99, Overvalued between 2.41 and 3.12, and Strongly Overvalued above 3.12. The current Forward PS of 9.07 falls within the Strongly Overvalued range.

0.00

P/OCF

First Northwest Bancorp. (FNWB) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

First Northwest Bancorp. (FNWB) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

First Northwest Bancorp (FNWB) has a current Price-to-Book (P/B) ratio of 0.52. Compared to its 3-year average P/B ratio of 0.65 , the current P/B ratio is approximately -19.38% higher. Relative to its 5-year average P/B ratio of 0.75, the current P/B ratio is about -30.01% higher. First Northwest Bancorp (FNWB) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 8.32%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 7.98% , the current FCF yield is about -100.00% lower.

0.52

P/B

Median3y

0.65

Median5y

0.75

0.00

FCF Yield

Median3y

8.32

Median5y

7.98

Competitors Valuation Multiple

The average P/S ratio for FNWB's competitors is 15.31, providing a benchmark for relative valuation. First Northwest Bancorp Corp (FNWB) exhibits a P/S ratio of 9.07, which is -40.77% above the industry average. Given its robust revenue growth of 7.10%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

FNWB.O

First Northwest Bancorp

Fifth District Bancorp Inc

Provident Financial Holdings Inc

Lake Shore Bancorp Inc

13.82

18.36%

110.34M

Performance Decomposition

Market capitalization of FNWB decreased by 21.05% over the past 1 year. The primary factor behind the change was an decrease in P/E Change from -5.12 to -10.74.

The secondary factor is the Revenue Growth, contributed 7.10%to the performance.

Overall, the performance of FNWB in the past 1 year is driven by P/E Change. Which is more unsustainable.

7.10%

13.38M → 14.33M

Revenue Growth

-137.84%

-14.80 → 5.60

Margin Expansion

109.69%

-5.12 → -10.74

P/E Change

-21.05%