ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is First Northwest Bancorp (Washington) ?
1
The company has declared Negative results for the last 6 consecutive quarters
- NET PROFIT(HY) At USD -5.38 MM has Grown at -194.36%
- OPERATING CASH FLOW(Y) Lowest at USD -4.86 MM
2
Risky - Negative EBITDA
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of -15.74%, its profits have fallen by -1521%
3
High Institutional Holdings at 58.5%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.22% over the previous quarter.
4
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -15.74% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to First Northwest Bancorp (Washington) should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is First Northwest Bancorp (Washington) for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
First Northwest Bancorp (Washington)
-10.26%
-0.02
33.99%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.68%
EBIT Growth (5y)
-167.71%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
58.50%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.59
EV to EBIT
-11.05
EV to EBITDA
-11.62
EV to Capital Employed
0.84
EV to Sales
2.75
PEG Ratio
NA
Dividend Yield
314.31%
ROCE (Latest)
-7.56%
ROE (Latest)
-10.96%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
GROSS NPA (%)
(Q
CASH AND EQV(HY)
Highest at USD 37.4 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 100.66%
OPERATING PROFIT(Q)
Highest at USD 3.96 MM
OPERATING PROFIT MARGIN(Q)
Highest at 14.59 %
PRE-TAX PROFIT(Q)
Highest at USD 3.96 MM
NET PROFIT(Q)
Highest at USD 3.66 MM
EPS(Q)
Highest at USD 0.42
-7What is not working for the Company
NET PROFIT(HY)
At USD -5.38 MM has Grown at -194.36%
OPERATING CASH FLOW(Y)
Lowest at USD -4.86 MM
Here's what is working for First Northwest Bancorp (Washington)
Pre-Tax Profit
At USD 3.96 MM has Grown at 243.09%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 3.66 MM has Grown at 264.84%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Non Performing Loans (%)
Lowest at 1.22%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Profit
Highest at USD 3.96 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 14.59 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 3.96 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 3.66 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.42
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 37.4 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 100.66%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for First Northwest Bancorp (Washington)
Operating Cash Flow
Lowest at USD -4.86 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Capital Adequacy Ratio
Lowest at 12%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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