$9.18
▲ +$0.10
(+1.10%)
Vol 17K
5
Quality Score
fail
Rev ✗
NI ✗
>IPO ✗
Mkt Cap
$88.8M
ROE
-4.9%
Margin
17.7%
D/E
32.11
Beta
0.58
Div Yield
2.99%
52W
$6–$12
Wall Street Consensus
8 analysts · Apr 20262
Strong Buy
5
Buy
1
Hold
0
Sell
0
Strong Sell
87.5%
Buy Rating
Price Chart
Similar Stocks
Earnings
Beat rate: 25.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.18 | $0.04 | $-0.14 |
| Sep 2025 | $0.14 | $0.09 | $-0.05 |
| Jun 2025 | $0.10 | $0.42 | +$0.32 |
| Mar 2025 | $0.13 | $-1.03 | $-1.16 |
Quarterly Revenue & Earnings
| Quarter | 2024-0… | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|---|
| Revenue | — | $15.4M | $17.6M | $16.4M | $16.6M | $18.4M |
| Net Income | — | -$2.8M | -$9.0M | $3.7M | $802K | $382K |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | -6.7% | -10.0% | -6.7% | -4.9% | -4.9% | -4.9% |
| P/E (TTM) | — | — | — | — | — | — |
| Net Margin | — | 17.7% | 17.7% | 17.7% | 17.7% | 17.7% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 29.46 | 32.15 | 29.46 | 168.01 | 32.11 | 32.11 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
-0.3%
P/S (TTM)
1.85
P/B
0.6
EPS (TTM)
$-0.85
CF/Share
$1.69
Rev Growth 3Y
+17.7%
52W High
$12.10
52W Low
$6.05
$6.05
52-Week Range
$12.10
Financial Health
Free Cash Flow
$10.3M
Net Debt
$239.5M
Cash
$85.1M
Total Debt
$324.6M
As of Dec 31, 2025
How does FNWB compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
FNWB valuation vs Banking peers
P/E ratio
—
▼
0%
below
peers
(12.6)
vs Peers
vs Industry
Overvalued
P/S ratio
1.9
▼
20%
below
peers
(2.3)
vs Peers
vs Industry
Undervalued
P/B ratio
0.6
▼
41%
below
peers
(1.1)
vs Peers
vs Industry
Undervalued
Div yield
3.0%
▼
0%
below
peers
(3.0%)
vs Peers
vs Industry
In line
FNWB profitability vs Banking peers
ROE
-4.9%
▼
154%
below
peers
(9.0%)
vs Peers
vs Industry
Weak
Net margin
17.7%
▼
38%
below
peers
(28.6%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
-0.3%
▼
136%
below
peers
(1.0%)
vs Peers
vs Industry
Weak
FNWB financial health vs Banking peers
D/E ratio
32.1
▲
132%
above
peers
(13.8)
vs Peers
vs Industry
High debt
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.6
▼
16%
below
peers
(0.7)
vs Peers
vs Industry
More volatile
FNWB fundamentals radar
FNWB
Peer median
Industry
FNWB profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
FNWB vs peers: key metrics
Insider Activity
NeutralBuys
0
Sells
0
FINNIE CINDY H
Director · Mar 06
2533 shs
BEHAR DANA D.
Director · Mar 06
2533 shs
DAVIS DIANE C.
Director · Mar 06
2533 shs
ANDERSON SHERILYN G.
Director · Mar 06
2533 shs
GALANDA GABRIEL STEVEN
Director · Mar 06
2533 shs
TERWOERDS LYNN
Director · Mar 06
2533 shs
BRENNAN SEAN PATRICK
Director · Mar 06
2533 shs
EDELSTEIN DAVID BENJAMIN
Officer · Mar 06
4698 shs
HENDERSON KYLE DAVID
Officer · Mar 06
4153 shs
BARTEE JOHANNA A.
Director · Mar 06
2533 shs
Last 90 days
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4.02%
$3.3M
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3.12%
$2.6M
Dimensional Fund Advisors LP
2.98%
$2.5M
As of Dec 31, 2025
Dividends
$0.28
/ year
May 09, 2025
$0.0700
Feb 14, 2025
$0.0700
Nov 08, 2024
$0.0700
Aug 09, 2024
$0.0700
May 09, 2024
$0.0700
Feb 08, 2024
$0.0700
Nov 09, 2023
$0.0700
Aug 10, 2023
$0.0700
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