First Northwest Bancorp

First Northwest Bancorp

FNWBยทNASDAQ

$10.16

+1.1%
Financial ServicesBanks - Regional

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. 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.

At a Glance

Live Snapshot
Market Cap$96.51M
EPS-0.4800
P/E Ratio-21.17
Earnings Date07/23/2026
First Northwest Bancorp

First Northwest Bancorp Fair Value Envelope

FNWB ยท NASDAQ

Our analysis suggests that FNWB has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $10.16, this represents a potential HIDDEN relative to our calculated worth for First Northwest Bancorp.

Intrinsic Value
Current Price: $10.16

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$1.2M
+ Cash & Equivalents$85.1M
Firm Value$86.4M
- Debt$324.6M
Equity Value-$238.2M
/ Shares Outstanding8,902,151B
DCF Value-$27
OVERVALUED BY 363%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$714.0K
$357.0K
$178.5K
$89.3K
$44.6K
$22.3K
$11.2K
$5.6K
$2.8K
$1.4K
Maintenance CapEx
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
Owner Earnings
$714.0K
$357.0K
$178.5K
$89.3K
$44.6K
$22.3K
$11.2K
$5.6K
$2.8K
$1.4K
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$661.1K
$306.1K
$141.7K
$65.6K
$30.4K
$14.1K
$6.5K
$3.0K
$1.4K
$646
Terminal Value represents 0.9% of Enterprise Value