FNWB First Northwest Bancorp - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 6, 2026
$9.95
· of 52w range
· above low
· to high
$7.7652w low
$12.5252w high
Market Cap (MRQ)
$95M
P/E
-20.8
EPS
$-0.48
your badges
52W Range
$8–$13
Analyst Rating
BUY
Price Target
$15
P/E
-20.8
ROE
-2.7%
Net Profit Margin
-6.1%
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FNWB Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$9.95
Market Cap (MRQ)
$95M
P/E
-20.8
EPS
$-0.48
Div Yield
1.4%
ROE
-2.7%
52W Range
$8–$13
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue·2019-12-31 → 2020-12-31
EPS$-0.482017-06-30 → 2025-12-31
Free Cash Flow·2017-06-30 → 2023-12-31
Net margin-6.1%2017-06-30 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | FNWB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | -20.85Y avg ≈9.9 | ≈9.9 | · | · | |
| P/B (MRQ) | 0.65Y avg ≈0.8 | ≈0.8 | · | · | |
| Price / Cash Flow | -34.35Y avg ≈0.9 | ≈0.9 | · | · | |
| Price / Tangible Book | 0.65Y avg ≈0.8 | ≈0.8 | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | FNWB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 1.8%5Y avg ≈2.1% | ≈2.1% | · | · | |
| Pretax Margin | -7.9%5Y avg ≈6.0% | ≈6.0% | · | · | |
| Net Profit Margin | -6.1%5Y avg ≈5.6% | ≈5.6% | · | · | |
| ROA | -0.19%5Y avg ≈0.25% | ≈0.25% | · | · | |
| ROE | -2.7%5Y avg ≈2.3% | ≈2.3% | · | · |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | FNWB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EPS YoY | -84.8%5Y avg ≈-9.2% | ≈-9.2% | · | · | |
| Net Income YoY | -85.4%5Y avg ≈-11.6% | ≈-11.6% | · | · | |
| EPS CAGR 3Y | -37.6% | · | · | · | |
| Net Income CAGR 3Y | -39.5% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | FNWB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield1.4%
Payout Ratio-31.4%
Annualized Payout≈$0.28
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| May 9, 2025 | $0.07 | USD | ≈2.8% |
| Feb 14, 2025 | $0.07 | USD | ≈2.4% |
| Nov 8, 2024 | $0.07 | USD | ≈2.7% |
| Aug 9, 2024 | $0.07 | USD | ≈2.9% |
| May 9, 2024 | $0.07 | USD | ≈2.7% |
| Feb 8, 2024 | $0.07 | USD | ≈2.1% |
| Nov 9, 2023 | $0.07 | USD | ≈2.1% |
| Aug 10, 2023 | $0.07 | USD | ≈2.1% |
| May 11, 2023 | $0.07 | USD | ≈2.7% |
| Feb 9, 2023 | $0.07 | USD | ≈1.8% |
| Nov 9, 2022 | $0.07 | USD | ≈1.8% |
| Aug 11, 2022 | $0.07 | USD | ≈1.7% |
| May 12, 2022 | $0.07 | USD | ≈1.5% |
| Feb 10, 2022 | $0.07 | USD | ≈1.1% |
| Nov 10, 2021 | $0.07 | USD | ≈1.3% |
| Aug 12, 2021 | $0.06 | USD | ≈1.3% |
| May 13, 2021 | $0.06 | USD | ≈1.4% |
| Feb 11, 2021 | $0.06 | USD | ≈1.3% |
| Nov 12, 2020 | $0.06 | USD | ≈1.5% |
| Aug 13, 2020 | $0.05 | USD | ≈1.9% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-93.1%
Next Report
Oct 26, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 22, 2026 | $0.03 | $0.01 | 194.1% |
| March 31, 2026 | $0.00 | $0.04 | -97.2% | |
| Dec. 31, 2025 | $0.04 | $0.18 | -77.6% | |
| Sept. 30, 2025 | $0.09 | $0.14 | -34.6% | |
| June 30, 2025 | $0.42 | $0.10 | 333.4% | |
| March 31, 2025 | $-1.03 | $0.13 | -876.8% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | · | · | · | · | · | $176.0K | $229.0K | |
| Interest Expense | · | · | $39M | $11M | $5M | $8M | $11M | |
| Interest Income | $107M | $112M | $101M | $80M | $64M | $52M | $49M | |
| Pretax Income | $-5M | $-8M | $3M | $16M | $18M | $13M | $11M | |
| Income Tax | $-1M | $-944.0K | $549.0K | $3M | $3M | $3M | $2M | |
| Net Income | $-4M | $-7M | $2M | $16M | $15M | $10M | $9M | |
| EPS (Basic) | $-0.48 | $-0.75 | $0.26 | $1.71 | $1.63 | $1.07 | $0.92 | |
| EPS (Diluted) | $-0.48 | $-0.75 | $0.26 | $1.71 | $1.63 | $1.07 | $0.91 | |
| Shares (Basic) | 8,790,719 | 8,784,849 | 8,918,284 | 9,082,032 | 9,133,953 | 9,370,778 | 9,845,021 | |
| Shares (Diluted) | 8,790,719 | 8,784,849 | 8,941,180 | 9,143,615 | 9,228,740 | 9,402,198 | 9,923,110 | |
| EBITDA | $1M | $1M | $2M | $2M | $1M | $1M | $1M |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $8M | $10M | $18M | $18M | $20M | $15M | $14M | |
| PP&E (Gross) | $22M | $24M | $36M | $35M | $36M | $30M | $29M | |
| Accum. Depreciation | $14M | $14M | $18M | $17M | $16M | $16M | $15M | |
| Total Assets | $2.11B | $2.23B | $2.20B | $2.04B | $1.92B | $1.65B | $1.31B | |
| Total Liabilities | $1.95B | $2.08B | $2.04B | $1.88B | $1.73B | $1.47B | $1.13B | |
| Long-term Debt | · | · | · | · | · | $110M | $113M | |
| Common Stock | $95.0K | $93.0K | $96.0K | $97.0K | $100.0K | $102.0K | $107.0K | |
| Paid-in Capital | $94M | $93M | $96M | $96M | $96M | $97M | $102M | |
| Retained Earnings | $92M | $97M | $107M | $114M | $103M | $93M | $86M | |
| AOCI | $-22M | $-30M | $-33M | $-41M | $288.0K | $5M | $-2M | |
| Stockholders' Equity | $157M | $154M | $163M | $158M | $191M | $186M | $177M | |
| Liabilities + Equity | $2.11B | $2.23B | $2.20B | $2.04B | $1.92B | $1.65B | $1.31B | |
| Shares Outstanding | 9,467,925 | 9,353,348 | 9,611,876 | 9,703,581 | 9,972,698 | 10,247,185 | 10,731,639 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| D&A | $1M | $1M | $2M | $2M | $1M | $1M | $1M | |
| Stock-based Comp | $733.0K | $957.0K | $1M | $2M | $2M | $1M | $1M | |
| Deferred Tax | $-2M | $-1M | $134.0K | $-2M | $63.0K | $-1M | $313.0K | |
| Amort. of Intangibles | $20.0K | $3.0K | $3.0K | $94.0K | $5.0K | $0 | · | |
| Other Non-cash | $1M | $23M | $12M | $-2M | $-4M | $-39.0K | $3M | |
| Operating Cash Flow | $-3M | $17M | $18M | $16M | $15M | $13M | $14M | |
| CapEx | · | · | $2M | $3M | $6M | $2M | $426.0K | |
| Investing Cash Flow | $133M | $-87M | $-84M | $-238M | $-137M | $-316M | $-20M | |
| Stock Repurchased | $0 | $4M | $1M | $5M | $6M | $7M | $8M | |
| Net Stock Activity | $0 | $-4M | $-1M | $-5M | $-6M | $-7M | $-8M | |
| Dividends Paid | $1M | $3M | $3M | $3M | $3M | $2M | $1M | |
| Financing Cash Flow | $-118M | $19M | $144M | $141M | $183M | $319M | $28M | |
| Net Change in Cash | $13M | $-51M | $78M | $-80M | $61M | $16M | $22M | |
| Taxes Paid | $12.0K | $83.0K | $2M | $4M | $4M | $3M | $2M | |
| Free Cash Flow | · | · | $16M | $13M | $9M | $10M | $14M | |
| Levered FCF | · | · | $-15M | $4M | $5M | $4M | $4M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Net Margin | -6.1% | -9.6% | 3.5% | 19.5% | 20.8% | 5875.0% | 20.1% | |
| Pretax Margin | -7.9% | -11.0% | 4.1% | 20.4% | 24.6% | 7553.4% | 24.7% | |
| EBITDA Margin | 1.8% | 2.1% | 2.5% | 2.4% | 1.9% | 781.2% | 2.9% | |
| ROA | -0.19% | -0.30% | 0.11% | 0.79% | 0.86% | 0.70% | 0.70% | |
| ROE | -2.7% | -4.2% | 1.4% | 8.9% | 8.2% | 5.7% | 5.1% |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $16.61 | $16.45 | $16.99 | $16.65 | $19.15 | $18.19 | $16.48 | |
| Revenue / Share | $7.84 | $7.85 | $7.32 | $8.77 | $8.01 | $0.02 | $4.52 | |
| Cash Flow / Share | $-0.31 | $1.92 | $2.00 | $1.74 | $1.64 | $1.26 | $1.42 | |
| Dividend / Share | · | · | · | · | · | · | $0.13 | |
| Dividend Paid / Share | $0.14 | $0.28 | $0.28 | · | $0.25 | $0.21 | $0.13 | |
| EPS (TTM) | $-0.48 | $-0.75 | $0.26 | $1.71 | $1.63 | $1.07 | $0.91 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| EPS YoY | · | · | -84.8% | 4.9% | 52.3% | · | · | |
| EPS CAGR 3Y | · | · | -37.6% | · | · | · | · | |
| Net Income YoY | · | · | -85.4% | 1.5% | 49.1% | · | · | |
| Net Income CAGR 3Y | · | · | -39.5% | · | · | · | · | |
| Dividends Paid CAGR 5Y | -9.6% | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue TTM | · | · | · | · | · | $176.0K | $229.0K | |
| Net Income TTM | $-4M | $-7M | $2M | $16M | $15M | $10M | $9M | |
| Market Cap | $89M | $95M | $153M | $149M | $201M | $160M | $195M | |
| P/E | -19.5 | -13.6 | 61.3 | 9.0 | 12.4 | 14.6 | 19.9 | |
| P/S | · | · | · | · | · | 908.3 | 849.6 | |
| P/B | 0.6 | 0.6 | 0.9 | 0.9 | 1.1 | 0.9 | 1.1 | |
| P / Tangible Book | 0.6 | 0.6 | 0.9 | 0.9 | 1.1 | 0.9 | · | |
| P / Cash Flow | -32.2 | 5.7 | 8.6 | 9.4 | 13.3 | 13.5 | 13.8 | |
| P / FCF | · | · | 9.4 | 11.5 | 22.1 | 16.0 | 14.2 | |
| Dividend Yield | 1.5% | 2.8% | 1.8% | 1.9% | 1.3% | 1.4% | 0.73% | |
| Earnings Yield | -5.1% | -7.3% | 1.6% | 11.1% | 8.1% | 6.9% | 5.0% | |
| Payout Ratio | -31.4% | -40.0% | 118.1% | 17.8% | 16.4% | 21.1% | 15.7% | |
| Annual Payout | $1M | $3M | $3M | $3M | $3M | $2M | $1M |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $13M | · | $11M | $9M | $7M | $5M | $3M | |
| Interest Income | $25M | $25M | $26M | $27M | $27M | $27M | $28M | $28M | $29M | $27M | $26M | $26M | $25M | $23M | $24M | $21M | |
| Pretax Income | $325.0K | $-314.0K | $915.0K | $-146.0K | $4M | $-10M | $-2M | $-3M | $-3M | $843.0K | $-7M | $3M | $2M | $4M | $7M | $4M | |
| Income Tax | $17.0K | $-320.0K | $533.0K | $-948.0K | $297.0K | $-1M | $359.0K | $-1M | $-547.0K | $447.0K | $-1M | $603.0K | $475.0K | $825.0K | $1M | $818.0K | |
| Net Income | $308.0K | $6.0K | $382.0K | $802.0K | $4M | $-9M | $-3M | $-2M | $-2M | $396.0K | $-6M | $3M | $2M | $4M | $6M | $4M | |
| EPS (Basic) | $0.03 | $0.00 | $0.04 | $0.09 | $0.42 | $-1.03 | $-0.31 | $-0.23 | $-0.25 | $0.04 | $-0.61 | $0.28 | $0.20 | $0.39 | $0.67 | $0.47 | |
| EPS (Diluted) | $0.03 | $0.00 | $0.04 | $0.09 | $0.42 | $-1.03 | $-0.31 | $-0.23 | $-0.25 | $0.04 | $-0.61 | $0.28 | $0.20 | $0.39 | $0.67 | $0.47 | |
| Shares (Basic) | 8,880,664 | 8,847,209 | · | 8,808,036 | 8,783,035 | 8,747,422 | · | 8,756,765 | 8,783,086 | 8,876,236 | · | 8,906,526 | 8,914,355 | 8,911,294 | · | 9,093,821 | |
| Shares (Diluted) | 8,930,663 | 8,894,998 | · | 8,813,632 | 8,791,478 | 8,747,422 | · | 8,756,765 | 8,783,086 | 8,907,184 | · | 8,934,882 | 8,931,386 | 8,939,601 | · | 9,138,123 | |
| EBITDA | · | · | · | · | · | $330.0K | · | $346.0K | $364.0K | $382.0K | · | · | · | $396.0K | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $9M | $9M | $8M | $9M | $9M | $10M | $10M | $10M | $11M | $11M | $18M | $18M | $18M | $18M | $18M | $21M | |
| PP&E (Gross) | · | · | $22M | · | · | · | $24M | $24M | $24M | · | $36M | · | · | · | $35M | · | |
| Accum. Depreciation | · | · | $14M | · | · | · | $14M | $13M | $13M | · | $18M | · | · | · | $17M | · | |
| Total Assets | $2.12B | $2.13B | $2.11B | $2.11B | $2.20B | $2.17B | $2.23B | $2.26B | $2.22B | $2.24B | $2.20B | $2.15B | $2.16B | $2.17B | $2.04B | $2.09B | |
| Total Liabilities | $1.97B | $1.98B | $1.95B | $1.96B | $2.05B | $2.02B | $2.08B | $2.09B | $2.06B | $2.08B | $2.04B | $2.00B | $2.00B | $2.01B | $1.88B | $1.93B | |
| Common Stock | $95.0K | $95.0K | $95.0K | $94.0K | $94.0K | $94.0K | $93.0K | $94.0K | $94.0K | $94.0K | $96.0K | $96.0K | $96.0K | $97.0K | $97.0K | $100.0K | |
| Paid-in Capital | $94M | $94M | $94M | $94M | $94M | $93M | $93M | $93M | $94M | $94M | $96M | $96M | $95M | $95M | $96M | $98M | |
| Retained Earnings | $92M | $92M | $92M | $91M | $91M | $88M | $97M | $101M | $103M | $106M | $107M | $114M | $112M | $114M | $114M | $110M | |
| AOCI | $-22M | $-23M | $-22M | $-24M | $-28M | $-28M | $-30M | $-26M | $-32M | $-32M | $-33M | $-46M | $-40M | $-38M | $-41M | $-41M | |
| Stockholders' Equity | $158M | $157M | $157M | $155M | $150M | $146M | $154M | $161M | $159M | $161M | $163M | $156M | $160M | $164M | $162M | $159M | |
| Liabilities + Equity | $2.12B | $2.13B | $2.11B | $2.11B | $2.20B | $2.17B | $2.23B | $2.26B | $2.22B | $2.24B | $2.20B | $2.15B | $2.16B | $2.17B | $2.04B | $2.09B | |
| Shares Outstanding | 9,504,441 | 9,499,300 | 9,467,925 | 9,462,150 | 9,444,963 | 9,440,618 | 9,353,348 | 9,365,979 | 9,453,247 | 9,442,796 | 9,611,876 | 9,630,735 | 9,633,496 | 9,674,055 | 9,703,581 | 9,978,041 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $289.0K | $318.0K | $297.0K | $298.0K | $323.0K | $330.0K | $320.0K | $346.0K | $364.0K | $382.0K | $410.0K | $402.0K | $404.0K | $396.0K | $413.0K | $564.0K | |
| Stock-based Comp | $183.0K | $106.0K | $197.0K | $131.0K | $211.0K | $194.0K | $176.0K | $260.0K | $257.0K | $264.0K | $315.0K | $349.0K | $358.0K | $391.0K | $307.0K | $404.0K | |
| Amort. of Intangibles | · | · | $18.0K | $1.0K | $1.0K | $0 | $0 | $1.0K | $1.0K | $1.0K | $1.0K | $0 | $1.0K | $1.0K | $84.0K | $3.0K | |
| Other Non-cash | · | · | · | · | · | $-13M | · | · | · | $-6M | · | · | · | $2M | · | · | |
| Operating Cash Flow | $1M | $885.0K | $10M | $5M | $4M | $-22M | $12M | $1M | $8M | $-5M | $3M | $-2M | $11M | $7M | $2M | $4M | |
| CapEx | · | · | · | · | · | · | · | · | · | $113.0K | · | $216.0K | $291.0K | $559.0K | $358.0K | $114.0K | |
| Investing Cash Flow | $3M | $-6M | $2M | $72M | $-10M | $69M | $2M | $-37M | $27M | $-78M | $-896.0K | $6M | $-54M | $-35M | $-7M | $-55M | |
| Stock Repurchased | · | · | $0 | $0 | $0 | $0 | $0 | $1M | $0 | $3M | $169.0K | $12.0K | $341.0K | $627.0K | $3M | $1M | |
| Net Stock Activity | · | · | · | · | · | $0 | · | · | · | $-3M | · | · | · | $-627.0K | · | · | |
| Dividends Paid | $0 | $0 | $1.0K | $18.0K | $650.0K | $649.0K | $656.0K | $652.0K | $666.0K | $671.0K | $675.0K | $671.0K | $683.0K | $671.0K | $715.0K | $684.0K | |
| Financing Cash Flow | $-10M | $24M | $-7M | $-85M | $24M | $-50M | $-24M | $35M | $-29M | $38M | $38M | $2M | $-19M | $124M | $-53M | $67M | |
| Net Change in Cash | $-6M | $19M | $6M | $-9M | $18M | $-2M | $-10M | $-457.0K | $6M | $-46M | $39M | $5M | $-62M | $95M | $-58M | $16M | |
| Taxes Paid | · | · | $2.0K | $0 | · | · | $80.0K | $0 | · | · | $266.0K | $48.0K | · | · | $1M | $2M | |
| Free Cash Flow | · | · | · | · | · | · | · | · | · | $-5M | · | · | · | $6M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-11M | · | · | · | $602.6K | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 1.9% | · | · | 4.8% | 22.4% | -51.3% | · | -12.5% | -10.3% | 2.5% | · | 14.0% | 10.0% | 18.9% | · | 20.9% | |
| Pretax Margin | 2.0% | · | · | -0.88% | 24.2% | -57.6% | · | -20.2% | -12.8% | 5.2% | · | 17.4% | 12.3% | 22.9% | · | 21.5% | |
| EBITDA Margin | · | · | · | · | · | 1.9% | · | 2.2% | 1.7% | 2.4% | · | · | · | 2.1% | · | · | |
| ROA | 0.01% | · | · | 0.04% | 0.17% | -0.41% | · | -0.09% | -0.10% | 0.02% | · | 0.12% | 0.08% | 0.17% | · | 0.22% | |
| ROE | 0.20% | · | · | 0.51% | 2.4% | -5.9% | · | -1.2% | -1.4% | 0.24% | · | 1.6% | 1.1% | 2.1% | · | 2.5% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $16.66 | · | · | $16.33 | $15.85 | $15.52 | · | $17.17 | $16.81 | $17.00 | · | $16.20 | $16.56 | $16.92 | · | $15.94 | |
| Revenue / Share | $1.81 | · | · | $1.88 | $1.86 | $2.01 | · | $1.80 | $2.46 | $1.81 | · | $2.00 | $1.98 | $2.08 | · | $2.25 | |
| Cash Flow / Share | · | · | · | · | · | $-2.49 | · | · | · | $-0.55 | · | · | · | $0.76 | · | · | |
| Dividend Paid / Share | · | · | $0.00 | $0.00 | $0.07 | $0.07 | $0.07 | $0.07 | $0.07 | $0.07 | $0.07 | $0.07 | $0.07 | $0.07 | · | $0.07 | |
| EPS (TTM) | $0.16 | $-0.52 | · | $-0.83 | $-1.15 | $-1.82 | · | $-1.05 | $-0.54 | $-0.09 | · | $1.54 | $1.73 | $1.80 | · | $1.58 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income TTM | $1M | $-5M | · | $-7M | $-10M | $-16M | · | $-9M | $-5M | $-846.0K | · | $14M | $16M | $16M | · | $15M | |
| Market Cap | $103M | · | · | $74M | $73M | $96M | · | $100M | $92M | $148M | · | $118M | $110M | $111M | · | $161M | |
| P/E | 67.6 | -16.7 | · | -9.5 | -6.7 | -5.6 | · | -10.2 | -17.9 | -173.9 | · | 8.0 | 6.6 | 6.4 | · | 10.2 | |
| P/B | 0.6 | · | · | 0.5 | 0.5 | 0.7 | · | 0.6 | 0.6 | 0.9 | · | 0.8 | 0.7 | 0.7 | · | 1.0 | |
| P / Tangible Book | 0.6 | 0.5 | · | 0.5 | 0.5 | 0.7 | · | 0.6 | 0.6 | 0.9 | · | 0.8 | 0.7 | 0.7 | · | 1.0 | |
| P / Cash Flow | · | · | · | · | · | -4.4 | · | · | · | -30.4 | · | · | · | 16.4 | · | · | |
| Dividend Yield | 0.02% | · | · | 2.6% | 3.6% | 2.7% | · | 2.7% | 2.9% | 1.8% | · | 2.3% | 2.5% | 2.5% | · | 1.7% | |
| Earnings Yield | 1.5% | -6.0% | · | -10.5% | -14.9% | -17.9% | · | -9.8% | -5.6% | -0.58% | · | 12.6% | 15.2% | 15.7% | · | 9.8% | |
| Payout Ratio | · | · | · | · | · | -7.2% | · | · | · | 169.4% | · | · | · | 19.0% | · | · | |
| Annual Payout | $19.0K | · | · | $2M | $3M | $3M | · | $3M | $3M | $3M | · | $3M | $3M | $3M | · | $3M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $-4M | $-7M | $2M | $16M | $15M |
| Diluted EPS | $-0.48 | $-0.75 | $0.26 | $1.71 | $1.63 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | · | · | $16M | $13M | $9M |
Institutional owners (13F) 43 filers · $43.1M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
43
Value held
$43.1M
New positions
5
Exited positions
5
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 5 (-4 vs prior Q) | 5 (+4 vs prior Q) | 13 (+2 vs prior Q) | 17 (+3 vs prior Q) | -24K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| Fourthstone LLC | $10,011,909 | 925,038 | 23.25% | Shares |
| Mink Brook Asset Management LLC | $4,507,835 | 417,006 | 10.47% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $3,808,417 | 352,305 | 8.84% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $3,589,028 | 332,010 | 8.33% | Shares |
| VANGUARD GROUP INC | $3,567,139 | 380,292 | 8.28% | Shares |
| Petiole USA ltd | $2,747,870 | 254,197 | 6.38% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $2,075,993 | 192,066 | 4.82% | Shares |
| BlackRock, Inc. | $1,394,273 | 128,980 | 3.24% | Shares |
| KENNEDY CAPITAL MANAGEMENT LLC | $1,330,343 | 123,066 | 3.09% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $933,330 | 86,312 | 2.17% | Shares |
| Pinnacle Holdings, LLC | $863,416 | 79,872 | 2.00% | Shares |
| Huber Capital Management LLC | $781,206 | 72,267 | 1.81% | Shares |
| MARSHALL WACE, LLP | $697,514 | 64,525 | 1.62% | Shares |
| HoldCo Asset Management, LP | $646,135 | 59,772 | 1.50% | Shares |
| Arcus Capital Partners, LLC | $597,112 | 55,237 | 1.39% | Shares |
| BANK OF AMERICA CORP /DE/ | $532,695 | 49,278 | 1.24% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $530,263 | 49,053 | 1.23% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $486,828 | 45,035 | 1.13% | Shares |
| CITADEL ADVISORS LLC | $441,675 | 40,858 | 1.03% | Shares |
| COLDSTREAM CAPITAL MANAGEMENT INC | $441,559 | 40,847 | 1.03% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $387,625 | 35,858 | 0.90% | Shares |
| STATE STREET CORP | $357,022 | 33,027 | 0.83% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $345,423 | 31,954 | 0.80% | Shares |
| Creative Planning | $264,748 | 24,491 | 0.61% | Shares |
| Empowered Funds, LLC | $259,526 | 24,008 | 0.60% | Shares |
| Daytona Street Capital LLC | $220,400 | 20,000 | 0.51% | Shares |
| NORTHERN TRUST CORP | $191,283 | 17,695 | 0.44% | Shares |
| JACOBS LEVY EQUITY MANAGEMENT, INC | $182,657 | 16,897 | 0.42% | Shares |
| XTX Topco Ltd | $175,079 | 16,196 | 0.41% | Shares |
| Sequoia Financial Advisors, LLC | $162,150 | 15,000 | 0.38% | Shares |
| Chaney Capital Management, Inc. | $142,221 | 13,156 | 0.33% | Shares |
| Bensler, LLC | $119,353 | 11,041 | 0.28% | Shares |
| GOLDMAN SACHS GROUP INC | $111,948 | 10,356 | 0.26% | Shares |
| BARCLAYS PLC | $38,353 | 3,548 | 0.09% | Shares |
| Vanguard Global Advisers, LLC | $35,100 | 3,247 | 0.08% | Shares |
| US BANCORP \DE\ | $33,457 | 3,095 | 0.08% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $13,977 | 1,293 | 0.03% | Shares |
| WELLS FARGO & COMPANY/MN | $13,242 | 1,225 | 0.03% | Shares |
| MORGAN STANLEY | $13,145 | 1,216 | 0.03% | Shares |
| UBS Group AG | $10,821 | 1,001 | 0.03% | Shares |
| JPMORGAN CHASE & CO | $2,216 | 211 | 0.01% | Shares |
| Tower Research Capital LLC (TRC) | $1,697 | 157 | 0.00% | Shares |
| ACADIAN ASSET MANAGEMENT LLC | $25 | 2,396 | 0.00% | Shares |
Activists & 5%+ owners 1 position
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| First Federal Community Foundation ×2 filings | March 17, 2021 | · | Initial filing | Passive investment | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 37 insiders · 21 officers · 19 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Curt Queyrouze | President / CEO | Sept. 30, 2026 F | 54,770 | 1 | 0 | $49,656 |
| Geraldine L. Bullard | Interim CEO | July 14, 2025 A | 35,851 | 0 | 0 | $0 |
| Matthew P Deines | President / CEO | June 3, 2025 P | 117,262 | 0 | 0 | $0 |
| Laurence J. Hueth | FNWB President and CEO | Nov. 13, 2019 S | 1,059 | 0 | 0 | $0 |
| Phyllis Rose Nomura | EVP, Chief Financial Officer | May 7, 2026 F | 12,002 | 0 | 0 | $0 |
| Regina Marie Wood | Executive VP, CFO, Treasurer | Dec. 7, 2019 A | 23,318 | 0 | 0 | $0 |
| Christopher J Riffle | EVP, COO and CDO | March 7, 2025 A | 37,437 | 0 | 0 | $0 |
| Jeffrey Scott Davis | Executive VP, COO | July 6, 2018 F | 22,263 | 0 | 0 | $0 |
| Kyle David Henderson | EVP, Chief Credit Officer | Sept. 8, 2026 F | 20,088 | 0 | 0 | $0 |
| John Christopher Walsh | EVP, Chief Banking Officer | July 7, 2026 A | 10,000 | 0 | 0 | $0 |
| Jennifer Ellen Gribble | EVP, Chief People Officer | May 7, 2026 A | 7,000 | 0 | 0 | $0 |
| David Benjamin Edelstein | EVP, Chief Innovation Officer | May 7, 2026 F | 14,551 | 0 | 0 | $0 |
| Allison Rebecca Mahaney | Chief Legal Officer | March 7, 2026 A | 6,053 | 0 | 0 | $0 |
| Christopher Wade Neros | EVP, Chief Banking Officer | May 7, 2025 F | 15,115 | 0 | 0 | $0 |
| Derek J Brown | EVP, Chief HR/Marketing Off. | Nov. 6, 2024 J | 19,724 | 0 | 0 | $0 |
| Terry A Anderson | EVP, Chief Credit Officer | March 7, 2024 A | 21,435 | 0 | 0 | $0 |
| Kelly A. Liske | EVP, Chief Banking Officer | June 30, 2022 D | 20,772 | 0 | 0 | $0 |
| Randy T. Riffle | EVP/Chief Lending Officer | Dec. 3, 2021 D | 9,299 | 0 | 0 | $0 |
| Christopher A. Donohue | Executive VP, CCO | July 6, 2018 F | 22,302 | 0 | 0 | $0 |
| Patrick Edward Brady | Senior VP and CRO | Jan. 29, 2015 P | 1,549 | 0 | 0 | $0 |
| Elaine T. Gentilo | Executive VP and CPO | Jan. 29, 2015 P | 543 | 0 | 0 | $0 |
| Dana D. Behar | Director | Aug. 14, 2026 S | 115,219 | 0 | 1 | $-287,750 |
| Sean Patrick Brennan | Director | May 13, 2026 A | 15,756 | 0 | 0 | $0 |
| Johanna A Bartee | Director | March 7, 2026 A | 9,608 | 0 | 0 | $0 |
| Lynn Terwoerds | Director | March 7, 2026 A | 13,594 | 0 | 0 | $0 |
| Gabriel Steven Galanda | Director | March 7, 2026 A | 12,566 | 0 | 0 | $0 |
| Sherilyn G Anderson | Director | March 7, 2026 A | 15,044 | 0 | 0 | $0 |
| Diane C. Davis | Director | March 7, 2026 A | 9,575 | 0 | 0 | $0 |
| Cindy H. Finnie | Director | March 7, 2026 A | 41,881 | 0 | 0 | $0 |
| Norman J. Tonina Jr. | Director | March 7, 2025 A | 40,847 | 0 | 0 | $0 |
| Jennifer Zaccardo | Director | March 7, 2024 P | 38,364 | 0 | 0 | $0 |
| Craig Alan Curtis | Director | March 7, 2024 A | 29,807 | 0 | 0 | $0 |
| Stephen E. Oliver | Director | March 7, 2023 A | 27,642 | 0 | 0 | $0 |
| David T. Flodstrom | Director | July 7, 2020 A | 20,176 | 0 | 0 | $0 |
| David Arthur Blake | Director | July 7, 2020 A | 27,450 | 0 | 0 | $0 |
| Richard G Kott | Director | Jan. 29, 2015 P | 40,000 | 0 | 0 | $0 |
| Lloyd J. Eisenman | Director | Jan. 29, 2015 P | 9,500 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 10 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.02% | 27,820 SH | Sept. 11, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.00% | 22,614 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.00% | 21,774 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 2,200 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 21,403 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 2,761 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 304 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 85,759 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 241,236 SH | Aug. 19, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 4 NS | July 31, 2026 | N-PORT |
FNWB Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 8 analysts
BUY
Median target
$15.00
+50.8%
2 25.0%
Strong Buy
5 62.5%
Buy
1 12.5%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
2 analysts · 2026-10-01Mean target $15.00 +50.8%
Low$15.00
Mean$15.00
High$15.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
My Metrics Your personal watchlist — selected rows from Full Fundamentals
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Source: SEC 10-Q filed Aug 6, 2026