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First Northwest Bancorp

FNWB Nasdaq Savings Institutions, Not Federally Chartered Financials FY2015–FY2025

First Northwest Bancorp had $68.9M of revenue in fiscal 2025, up 0.0% on the year before. Over five years, revenue changed +230.1% a year on average.

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Last close Β· Oct 23, 2026

$9.65

0.0%

What First Northwest Bancorp does

FNWB Β· Savings Institutions, Not Federally Chartered

From its latest annual report

No business description yet.

Filing details

Legal name
First Northwest Bancorp
Fiscal year ends
December 31, 2025
Latest annual report
10-K Β· Mar 12, 2026
Accession Β· CIK
0001437749-26-008021 Β· 0001556727

Earnings calendar Β· First Northwest Bancorp

Every quarter, companies publish how much they sold and earned. These are the days First Northwest Bancorp did it, and the next one. Share prices often move a lot on those days.

Next results

October 26, 2026

Monday Β· expected, not published yet

Time
Time not announced
Covers
Period ended Sep 30, 2026
Expected EPS
$0.01
Source
Earnings calendar
See who else reports that week β†’
Date Results for Time Source
Oct 26, 2026 Period ended Sep 30, 2026 Time not announced Earnings calendar
Jul 29, 2026 Q2 '26 During market hours 8-K β†—
Apr 29, 2026 Q1 '26 During market hours 8-K β†—
Jan 29, 2026 Q4 '25 During market hours 8-K β†—
Oct 27, 2025 Q3 '25 During market hours 8-K β†—
Jul 24, 2025 Q2 '25 During market hours 8-K β†—
Apr 24, 2025 Q1 '25 During market hours 8-K β†—
Jan 29, 2025 Q4 '24 During market hours 8-K β†—

From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.

KIRA’s summary AI analyst

Hi! I read First Northwest Bancorp’s latest annual report (fiscal 2025). Here is what stands out:

1 strength 2 to watch

1.Sales and profit

See section β†’
  • First Northwest Bancorp had $68.9M of revenue in fiscal 2025, up 0.0% on the year before. Over five years, revenue changed +230.1% a year on average.
  • First Northwest Bancorp lost $4.2M in fiscal 2025.

2.Cash and shareholders

See section β†’
  • First Northwest Bancorp returned $1.3M to shareholders in fiscal 2025. The diluted share count rose 0.1%.
  • In the last 12 months, insiders bought $0.0M and sold $0.3M of shares on the open market.

First Northwest Bancorp in 30 seconds

Good So-so Weak

So-so

Are sales growing?

+0.0%

Only a little. Sales grew 0.0% last year.

Weak

Does it make a profit?

βˆ’6.1%

No. It lost money last year.

Weak

How lean are its costs?

97.3%

Costly. Running costs take 97.3% of revenue.

Weak

How much does it earn on its capital?

βˆ’2.7%

Low. It earns βˆ’2.7% a year on shareholders’ money.

For information

How is the share priced?

60.3x

One share costs 60.3 times its yearly profit per share.

Rules of thumb on reported numbers. A starting point, not a recommendation.

Key numbers, fiscal 2025

Market cap Last close times the latest diluted share count, so it is approximate.
$86.2M
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
60.3x
On $0.16 EPS (TTM)

Revenue

Total sales reported in the income statement.

KIRA Β· First Northwest Bancorp had $68.9M of revenue in fiscal 2025, up 0.0% on the year before. Over five years, revenue changed +230.1% a year on average.

See the full section β†’

Efficiency ratio

Noninterest expense as a share of revenue. Lower is better for banks.

KIRA Β· It earned βˆ’2.7% on shareholders’ money. Running costs took 97.3% of revenue (the efficiency ratio; lower is better).

See the full section β†’

Net income

Profit after all expenses, interest and tax.

KIRA Β· First Northwest Bancorp lost $4.2M in fiscal 2025.

See the full section β†’

Return on equity

Net income as a share of average shareholders' equity.

KIRA Β· It earned βˆ’2.7% on shareholders’ money. Running costs took 97.3% of revenue (the efficiency ratio; lower is better).

See the full section β†’
Charts by

Sales and profit

Is it selling more, and how much does it keep?

Revenue and margins

KIRA Β· First Northwest Bancorp had $68.9M of revenue in fiscal 2025, up 0.0% on the year before. Over five years, revenue changed +230.1% a year on average.

In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).

Revenue

Revenue

Net interest income share and efficiency ratio

Net interest share Efficiency ratio

Net interest income share and efficiency ratio

Net interest share Efficiency ratio

Net income and earnings per share

KIRA Β· First Northwest Bancorp lost $4.2M in fiscal 2025.

Loss periods are shown in red.

In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.

Net income

Net income

Diluted EPS

Diluted EPS

Cash and shareholders

How much cash comes in, and where does it go?

Dividends, buybacks and share count

KIRA Β· First Northwest Bancorp returned $1.3M to shareholders in fiscal 2025. The diluted share count rose 0.1%.

In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).

Dividends and buybacks

Dividends Buybacks

Dividends and buybacks

Dividends Buybacks

Diluted shares outstanding (annual)

Insider trades

KIRA Β· In the last 12 months, insiders bought $0.0M and sold $0.3M of shares on the open market.

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. β€œPlan” marks trades under a pre-arranged Rule 10b5-1 plan.

In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.

Bought, 12 months

$0.0M

1 insider

Sold, 12 months

$0.3M

1 insider

Of sales under plans

0%

$0.0M

DateInsiderTradeSharesPriceValueFiling
Aug 14, 2026 Dana D. BeharDirector Sold 25,000 $11.51 $0.3M Form 4
Feb 6, 2026 Curt QueyrouzePresident / CEO, Director Bought 4,770 $10.41 $0.0M Form 4

Financial health

Can it carry its debts, and how well does it use its money?

Balance sheet

Loans, deposits and capital at each fiscal year end.

In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.

Loans and deposits

Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net $1.4B$1.5Bβ€”$1.7B$1.6B
Deposits $1.6B$1.6B$1.7B$1.7B$1.6B
Loans / deposits 85.4%97.9%β€”99.2%100.8%
Total assets $1.9B$2.0B$2.2B$2.2B$2.1B
Shareholders' equity $191M$162M$163M$154M$157M
Provision / loans 0.1%0.1%β€”1.0%0.5%

Returns and efficiency

KIRA Β· It earned βˆ’2.7% on shareholders’ money. Running costs took 97.3% of revenue (the efficiency ratio; lower is better).

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

In plain words: Return on equity is the profit made on shareholders’ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.

Return on equity, return on tangible equity and efficiency ratio

ROE ROTE Efficiency ratio

All figures

Every number, year by year.

10 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.

Download CSV
Fiscal yearFY15FY16FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $33.6M $37.8M β€” $0.2M $0.2M $73.9M $80.2M $65.5M $68.9M $68.9M
Net interest income $27.4M $31.6M β€” $37.9M $44.0M $58.3M $69.9M $61.4M $56.3M $57.3M
Noninterest income $6.2M $6.2M β€” $7.0M $15.8M $15.6M $10.3M $4.0M $12.6M $11.6M
Noninterest expense $27.9M $29.8M β€” $33.1M $41.5M $54.4M $62.3M $61.5M $60.0M $67.1M
Provision for credit losses $0.2M $1.3M β€” $0.7M $5.0M $1.4M $1.5M $2.4M $16.7M $7.3M
Interest expense $4.8M $5.2M β€” $11.4M $7.7M $5.4M $10.5M $39.5M β€” β€”
Pretax income $5.4M $6.8M β€” $11.1M $13.3M $18.2M $16.3M $2.7M βˆ’$7.6M βˆ’$5.4M
Income tax $1.5M $1.7M β€” $2.1M $3.0M $3.2M $2.8M $0.5M βˆ’$0.9M βˆ’$1.2M
Net income $4.0M $5.1M β€” $9.0M $10.3M $15.4M $15.6M $2.3M βˆ’$6.6M βˆ’$4.2M
Net income to common β€” β€” β€” β€” $10.0M $14.9M $15.5M $2.3M βˆ’$6.6M βˆ’$4.2M
Diluted EPS $0.33 $0.46 β€” $0.91 $1.07 $1.63 $1.71 $0.26 βˆ’$0.75 βˆ’$0.48
Diluted shares 0.01B 0.01B β€” 0.01B 0.01B 0.01B 0.01B 0.01B 0.01B 0.01B
Cash flow
Cash from operations $10.6M $1.1M β€” $14.1M $13.3M $15.2M $15.9M $17.9M $16.9M βˆ’$2.8M
Capital expenditure $2.1M $1.0M β€” $0.4M $1.8M $6.0M $2.9M $1.6M β€” β€”
Free cash flow $8.5M $0.2M β€” $13.7M $11.4M $9.1M $13.0M $16.3M β€” β€”
Depreciation and amortization $1.1M $1.2M β€” $1.3M $1.4M $1.4M $2.0M $1.6M $1.4M $1.2M
Stock-based compensation $0.0M $1.0M β€” $1.1M $1.3M $2.3M $1.6M $1.4M $1.0M $0.7M
Share buybacks $5.5M $16.5M β€” $7.8M $7.4M $6.0M $5.4M $1.1M $4.1M $0.0M
Dividends paid $0.0M $0.0M β€” $1.4M $2.2M $2.5M $2.8M $2.7M $2.6M $1.3M
Dividends and buybacks $5.5M $16.5M β€” $9.2M $9.6M $8.5M $8.2M $3.8M $6.7M $1.3M
Balance sheet
Cash and short-term investments $22.7M $24.3M $26.3M $48.7M β€” β€” β€” β€” β€” β€”
Total debt $80.7M $77.4M $137M $113M $110M β€” β€” β€” β€” β€”
Loans, net $620M $727M $864M $878M $1.1B $1.4B $1.5B β€” $1.7B $1.6B
Deposits $723M $824M $940M $1.0B $1.3B $1.6B $1.6B $1.7B $1.7B $1.6B
Property and equipment, net $13.5M $13.2M $15.3M $14.3M $14.8M $19.8M $18.1M $18.0M $10.1M $8.5M
Total assets $1.0B $1.1B $1.3B $1.3B $1.7B $1.9B $2.0B $2.2B $2.2B $2.1B
Total liabilities $820M $910M $1.1B $1.1B $1.5B $1.7B $1.9B $2.0B $2.1B $2.0B
Preferred stock $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Shareholders' equity $190M $178M $172M $177M $186M $191M $162M $163M $154M $157M
Margins
Net margin 11.9% 13.5% β€” 3,936.2% 5,875.0% 20.9% 19.5% 3.5% βˆ’9.6% βˆ’6.1%
FCF margin 25.4% 0.5% β€” 5,969.9% 6,498.9% 12.4% 16.2% 24.9% β€” β€”
Net interest share of revenue 81.6% 83.7% β€” 16,534.9% 24,976.1% 78.8% 87.1% 93.9% 81.7% 83.1%
Efficiency ratio 83.1% 78.7% β€” 14,461.6% 23,559.1% 73.6% 77.7% 93.9% 87.0% 97.3%
Returns
Return on equity 2.1% 2.8% β€” 5.2% 5.7% 8.2% 8.9% 1.4% βˆ’4.2% βˆ’2.7%
Return on assets 0.4% 0.5% β€” 0.7% 0.7% 0.9% 0.8% 0.1% βˆ’0.3% βˆ’0.2%
Return on tangible equity 2.1% 2.9% β€” 5.1% 5.4% 7.8% 9.6% 1.4% βˆ’4.3% βˆ’2.7%
Growth
Revenue growth β€” 12.6% β€” β€” βˆ’23.1% 41,909.1% 8.5% βˆ’18.4% 5.3% 0.0%
Net income growth β€” 28.2% β€” β€” 14.7% 49.1% 1.5% βˆ’85.4% βˆ’389.3% β€”
EPS growth β€” 39.4% β€” β€” 17.6% 52.3% 4.9% βˆ’84.8% βˆ’388.5% β€”
FCF growth β€” βˆ’97.9% β€” β€” βˆ’16.3% βˆ’20.1% 42.2% 25.5% β€” β€”
Share count change β€” βˆ’7.3% β€” β€” βˆ’5.2% βˆ’1.8% βˆ’0.9% βˆ’2.2% βˆ’1.7% 0.1%
Financial health
Debt / equity 0.4x 0.4x 0.8x 0.6x 0.6x β€” β€” β€” β€” β€”
Loans / deposits 85.7% 88.2% 91.9% 87.7% 85.6% 85.4% 97.9% β€” 99.2% 100.8%
Provision / loans 0.0% 0.2% β€” 0.1% 0.4% 0.1% 0.1% β€” 1.0% 0.5%
Capital allocation
Capex / revenue 6.1% 2.5% β€” 186.0% 1,033.0% 8.1% 3.6% 2.4% β€” β€”
Stock comp / revenue 0.0% 2.6% β€” 463.8% 735.8% 3.1% 2.0% 2.2% 1.4% 1.1%
Payouts / FCF 64.6% 9,245.3% β€” 67.6% 83.9% 93.2% 63.3% 23.6% β€” β€”
Quality scores
Piotroski F-score β€” 6.0 β€” β€” 5.0 β€” β€” β€” β€” β€”
Accruals ratio βˆ’0.7% 0.4% β€” βˆ’0.4% βˆ’0.2% 0.0% βˆ’0.0% βˆ’0.7% βˆ’1.1% βˆ’0.1%

Source: SEC EDGAR XBRL filings (CIK 0001556727). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only β€” not investment advice. Check the original filings before relying on any figure.

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