First Northwest Bancorp (Washington) (FNWB) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Ponce Financial Group, Inc.

Hingham Institution for Savings

Provident Bancorp, Inc. (Massachusetts)

Timberland Bancorp, Inc. (Washington)

Third Coast Bancshares, Inc.

Western New England Bancorp, Inc.

Blue Foundry Bancorp

FS Bancorp, Inc.

ESSA Bancorp, Inc.

First Northwest Bancorp (Washington)

William Penn Bancorp

Why is First Northwest Bancorp (Washington) ?

With a Operating Losses, the company has a Weak Long Term Fundamental Strength

A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans

Risky -

The stock is trading risky as compared to its average historical valuations
Over the past year, while the stock has generated a return of -15.60%, its profits have risen by 36.7%

Below par performance in long term as well as near term

Along with generating -15.60% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is First Northwest Bancorp (Washington) for you?

Medium Risk, Low Return

Absolute

Risk Adjusted

Volatility

First Northwest Bancorp (Washington)

-16.86%

-0.36

33.75%

S&P 500

13.68%

0.71

19.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

15.67%

EBIT Growth (5y)

-28.33%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

54.82%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

0.58

EV to EBIT

-46.88

EV to EBITDA

-55.10

EV to Capital Employed

0.82

EV to Sales

2.80

PEG Ratio

Dividend Yield

74.45%

ROCE (Latest)

-1.74%

ROE (Latest)

-2.66%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Mildly Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Bearish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Mildly Bullish

Dow Theory

No Trend

Mildly Bearish

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

17What is working for the Company

PRE-TAX PROFIT(Q)

At USD 0.92 MM has Grown at 137.33%

NET PROFIT(Q)

At USD 0.38 MM has Grown at 113.59%

CREDIT DEPOSIT RATIO(Q)

Highest at 1.39%

NII(Q)

Highest at USD 14.69 MM

-5What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD -13.05 MM

DIVIDEND PER SHARE(HY)

Lowest at USD 0

NET SALES(Q)

Lowest at USD 26.14 MM

Here's what is working for First Northwest Bancorp (Washington)

Pre-Tax Profit

At USD 0.92 MM has Grown at 137.33%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 0.38 MM has Grown at 113.59%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Credit Deposit Ratio

Highest at 1.39% and Grown

In each half year in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

NII

Highest at USD 14.69 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Here's what is not working for First Northwest Bancorp (Washington)

Operating Cash Flow

Lowest at USD -13.05 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Net Sales

Lowest at USD 26.14 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Dividend per share

Lowest at USD 0

in the last five years

MOJO Watch

Company is distributing lower dividend than previous years

DPS (USD)