公司概述
First Northwest Bancorp operates as a bank holding company that provides commercial and consumer banking services to individuals, businesses, and nonprofit organizations across the United States through its subsidiary, First Fed Bank. The company functions within the Financial Services sector, specifically categorized under the Banks - Regional industry, which implies a focus on localized lending and deposit gathering activities rather than national-scale operations. As of the latest available data, the entity possesses a market capitalization of $88.93M and employs a workforce of 242 individuals to execute its banking mandate. With annual revenue reaching $60.56M, the company's valuation and revenue figures indicate a small-cap regional bank structure that relies heavily on deposit mobilization and loan origination to generate income within a constrained asset base.
财务健康
The company reported a trailing twelve-month revenue of $60.56M while recording a net income of -$4,191,000, and EBITDA data is not currently available for calculation. The significant gap between the positive revenue of $60.56M and the negative net income reveals a cost structure where operating expenses and loan loss provisions have exceeded total earnings, resulting in a current loss for the period. While specific free cash flow figures are not disclosed, the balance sheet holds $85.12M in cash assets against $326.28M in total debt, creating a liquidity position where cash reserves cover only a fraction of total obligations. Analysis of the margins shows a gross margin of 0.0%, which is standard for financial intermediaries as revenue is net interest income, an operating margin of 35.9% indicating efficient core operations before non-interest expenses, and a profit margin of -6.9% reflecting the impact of the net loss on total sales. The current ratio is not disclosed in the available data, preventing a direct assessment of short-term liquidity via this specific metric. Return on Equity stands at -2.7% and Return on Assets is -0.2%, metrics that collectively reveal management effectiveness is currently challenged by the inability to generate positive returns on the equity base or the total asset portfolio during the reported period.
估值评估
The trailing P/E ratio is not available due to the negative earnings, whereas the forward P/E is listed at 10.16, implying that the market expects a normalization of earnings or a significant turnaround in profitability to justify future price targets. The price-to-book ratio is 0.56, indicating that the company's market valuation trades at a substantial discount to its book value, suggesting the market prices in significant risks or a lack of future growth prospects relative to the tangible assets held. Alternative valuation metrics include a price-to-sales ratio of 1.47, while the EV/EBITDA multiple is not available for comparison. The stock has traded between a 52-week high of $10.98 and a 52-week low of $6.05, and without the exact current price in the provided facts, the precise percentage deviation from these levels cannot be calculated, though the range defines the recent volatility envelope. The beta value is 0.58, which signifies that the stock exhibits lower price volatility relative to the broader market, moving less aggressively than the overall index during periods of market fluctuation.
Growth & Income
Revenue growth year-over-year is recorded at 63.6%, while earnings growth is not available due to the current negative net income position, implying that revenue expansion has not yet translated into proportional profitability growth. For dividend purposes, the company offers a dividend yield of 2.8% despite a payout ratio of 107.7%, which indicates that the dividend is currently being paid out of cash reserves rather than earnings, as the payout exceeds the available net income. This high payout ratio suggests that the sustainability of the dividend is currently dependent on the company's substantial cash holdings rather than distributable earnings, creating a potential vulnerability if cash flows tighten. The overall growth and income profile presents a scenario of strong top-line expansion accompanied by significant earnings deterioration and a dividend policy that may be under pressure as profitability recovers.