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Market Price

13.70 

0.00 0.0%

as of Dec 01 '22

52 Week Range:

13.70 20.80


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

First Northwest Bancorp operates as a bank holding company for First Fed Bank that provides commercial and consumer banking services to individuals, businesses, and nonprofit organizations in western Washington, the United States. It accepts various deposit instruments, including checking, money market deposit, savings, and transaction accounts, as well as certificates of deposit. The company also originates one- to four-family mortgage loans, commercial and multi-family real estate loans, construction and land loans, and commercial business loans, as well as consumer loans primarily consisting of automobile loans, and home-equity loans and lines of credit. It operates through 12 full-service branches and a lending center in Seattle. The company was founded in 1923 and is based in Port Angeles, Washington.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '14 Jun '15 Dec '15 Jun '16 Dec '16 Jun '17 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Equity (BVPS) 2.87
6.54
6.42
7.31
14.39
16.57
growth rate 51.0% -0.9% 6.7% 25.3% 15.2%
Earnings BIT -57.78
-47.80
-60.81
-13.02
growth rate 0.0% 0.0% 0.0%
Avg.PE -62.82
56.48
61.16
61.16
61.16
growth rate 100.0% 4.1% 0.0% 0.0%
ROA -29.69
-0.59
-15.81
0.41
-17.43
0.49
4.88
0.57
0.70
0.70
0.83
growth rate 0.0% 0.0% 100.0% -100.0% 100.0% 895.9% -88.3% 22.8% 0.0% 18.6%
ROE -63.37
-3.75
-28.97
2.10
-29.77
2.79
8.36
4.07
5.16
5.69
7.90
growth rate 0.0% 0.0% 100.0% -100.0% 100.0% 199.6% -51.3% 26.8% 10.3% 38.8%
ROIC -63.37
-28.97
-29.77
8.36
growth rate 0.0% 0.0% 100.0%
Cur. Ratio 1.94
2.78
2.41
2.71
growth rate 19.7% -6.9% 6.0%
Quick Ratio 1.88
2.71
2.35
2.65
growth rate 20.1% -6.9% 6.2%
Leverage 2.27
4.91
1.66
5.32
1.76
6.12
1.68
7.31
7.39
8.88
10.06
growth rate 116.3% -66.2% 220.5% -66.9% 247.7% -72.6% 335.1% 1.1% 20.2% 13.3%
Balance Sheet Dec '14 Jun '15 Dec '15 Jun '16 Dec '16 Jun '17 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Acct.Receivable 47.68
61.52
63.33
76.34
growth rate 13.6% 1.5% 9.8%
Acct.Payable 5.38
6.87
5.53
823.76
885.03
940.26
1,001.65
1,333.52
1,580.58
growth rate 13.0% -10.3% 14,798.9% 7.4% 6.2% 6.5% 33.1% 18.5%
Cur.Assets 161.82
334.72
332.24
33.42
45.60
35.89
62.05
86.85
150.20
growth rate 43.8% -0.4% -89.9% 36.4% -21.3% 72.9% 40.0% 72.9%
Total Assets 220.65
397.67
408.82
1,087.68
1,215.66
1,258.76
1,307.34
1,654.35
1,921.08
growth rate 34.3% 1.4% 166.1% 11.8% 3.6% 3.9% 26.5% 16.1%
Cash 68.10
168.25
107.34
15.49
26.70
17.22
37.94
65.16
126.02
growth rate 57.2% -20.1% -85.6% 72.4% -35.5% 120.3% 71.7% 93.4%
Inventory 0.26
0.82
0.59
0.10
0.02
0.12
0.15
0.00
growth rate 77.4% -14.9% -82.4% -77.9% 439.1% 24.2% -98.7%
Cur.Liabilities 83.58
120.54
138.09
849.92
978.59
1,041.48
1,110.47
1,417.96
1,604.41
growth rate 20.1% 7.0% 515.5% 15.1% 6.4% 6.6% 27.7% 13.2%
Liabilities 123.40
157.47
176.86
909.96
1,038.61
1,086.49
1,130.49
1,467.97
1,730.60
growth rate 13.0% 6.0% 414.5% 14.1% 4.6% 4.1% 29.9% 17.9%
LT Debt 60.00
60.00
45.00
20.00
50.00
119.28
growth rate 0.0% -25.0% -55.6% 150.0% 138.6%
Equity 97.24
240.20
231.96
177.72
177.05
172.26
176.85
186.38
190.96
growth rate 57.2% -1.7% -23.4% -0.4% -2.7% 2.7% 5.4% 2.5%
Common Shares 26.00
12.00
30.00
12.00
32.00
11.00
0.12
0.11
0.11
0.10
0.10
growth rate -53.9% 150.0% -60.0% 166.7% -65.6% -98.9% -5.1% -4.5% -4.7% -2.0%
Cash Flow Statement Dec '14 Jun '15 Dec '15 Jun '16 Dec '16 Jun '17 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Capital Expenditures 5.62
8.08
16.79
0.96
1.25
2.84
0.43
1.82
6.02
growth rate 19.9% 44.2% -94.3% 30.3% 128.0% -85.0% 326.8% 231.1%
Cash Dividends 0.34
0.34
0.34
1.41
2.19
2.53
growth rate 0.0% 0.0% 322.1% 54.5% 15.9%
Cash From OA 4.13
23.87
22.49
1.14
10.43
13.34
14.10
13.26
15.16
growth rate 140.5% -2.9% -95.0% 819.0% 27.9% 5.7% -6.0% 14.3%
FCF per Share 0.06
0.46
0.13
1.13
0.38
1.48
growth rate 176.9% -46.8% 194.8% -30.5% 289.5%
Sale Purchase of Stock 10.55
151.38
11.23
19.10
growth rate 278.9% -72.8% 30.4%
FCF -1.00
-2.00
16.00
9.00
6.00
0.18
53.00
10.00
14.00
10.00
9.00
growth rate 0.0% 100.0% -43.8% -33.3% -97.0% 29,508.9% -81.1% 40.0% -28.6% -10.0%
Income Statement Dec '14 Jun '15 Dec '15 Jun '16 Dec '16 Jun '17 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Sales 164.01
234.30
264.46
35.79
38.61
41.54
44.21
54.76
72.59
growth rate 19.5% 6.2% -86.5% 7.9% 7.6% 6.4% 23.9% 32.6%
Op.Income -57.78
-47.80
-60.81
6.28
7.29
8.99
11.52
13.75
18.93
growth rate 0.0% 0.0% 100.0% 16.1% 23.3% 28.2% 19.4% 37.7%
IBT -58.00
-48.20
-69.11
6.78
7.79
8.68
11.09
13.29
18.17
growth rate 0.0% 0.0% 100.0% 14.9% 11.4% 27.8% 19.9% 36.7%
Net Income -58.96
-48.88
-70.28
5.12
4.94
7.11
9.01
10.34
15.42
growth rate 0.0% 0.0% 100.0% -3.5% 43.9% 26.9% 14.7% 49.1%
EPS -2.28
-0.42
-1.64
0.33
-2.18
0.46
0.67
0.68
0.91
1.07
1.63
growth rate 0.0% 0.0% 100.0% -100.0% 100.0% 45.7% 1.5% 33.8% 17.6% 52.3%
Gross Profit 127.43
186.72
210.62
35.79
38.61
41.54
44.21
54.76
72.59
growth rate 21.1% 6.2% -83.0% 7.9% 7.6% 6.4% 23.9% 32.6%
R&D 43.05
53.38
62.40
63.45
growth rate 11.4% 8.1% 0.8%

Quarterly Statements

Item Name Sep '21 Dec '21 Mar '22 Jun '22 Sep '22
Earnings BIT
growth rate
Balance Sheet Sep '21 Dec '21 Mar '22 Jun '22 Sep '22
Acct.Receivable
growth rate
Acct.Payable 1,522.92
1,580.58
1,549.41
1,580.72
1,605.24
growth rate 3.8% -2.0% 2.0% 1.6%
Cur.Assets 108.34
150.20
122.03
140.42
149.05
growth rate 38.6% -18.8% 15.1% 6.1%
Total Assets 1,845.14
1,921.08
1,944.28
2,031.63
2,091.44
growth rate 4.1% 1.2% 4.5% 2.9%
Cash 17.01
126.02
16.27
87.80
22.78
growth rate 640.8% -87.1% 439.6% -74.1%
Inventory
growth rate
Cur.Liabilities 1,559.83
1,604.41
1,582.26
1,749.29
1,642.50
growth rate 2.9% -1.4% 10.6% -6.1%
Liabilities 1,657.69
1,730.60
1,766.51
1,866.48
1,934.84
growth rate 4.4% 2.1% 5.7% 3.7%
LT Debt 89.26
119.28
184.25
109.32
292.34
growth rate 33.6% 54.5% -40.7% 167.4%
Equity 187.75
190.96
178.56
166.89
159.03
growth rate 1.7% -6.5% -6.5% -4.7%
Common Shares 0.10
0.10
0.10
0.10
0.10
growth rate -2.0% 0.0% 0.0% 0.0%
Cash Flow Statement Sep '21 Dec '21 Mar '22 Jun '22 Sep '22
Capital Expenditures 1.71
2.04
1.59
0.85
growth rate 19.5% -22.2% -46.4%
Cash Dividends 0.61
0.70
0.70
0.69
growth rate 15.3% -0.6% -1.2%
Cash From OA 6.39
3.70
3.25
6.01
growth rate -42.1% -12.1% 84.7%
Sale Purchase of Stock
growth rate
FCF 4.68
1.66
1.66
5.15
growth rate -64.6% 0.2% 210.2%
Income Statement Sep '21 Dec '21 Mar '22 Jun '22 Sep '22
Sales 18.94
20.74
17.89
18.97
19.79
growth rate 9.5% -13.8% 6.0% 4.3%
Op.Income 5.14
6.36
3.28
2.21
4.63
growth rate 23.9% -48.4% -32.6% 109.3%
IBT 5.00
6.06
3.06
2.00
4.41
growth rate 21.1% -49.6% -34.5% 120.4%
Net Income 4.18
5.12
2.81
2.49
4.29
growth rate 22.6% -45.2% -11.3% 72.5%
Gross Profit 18.94
20.74
17.89
18.97
19.79
growth rate 9.5% -13.8% 6.0% 4.3%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (29.11)

YOY Growth Grade:

E (18.65)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 12.52 12.17 12.82
EPS / Growth 1.13

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 2.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 2.0% 2.0% 2.0%
Future PE 3.90 9.75 9.75
Future EPS 1.37 1.37 1.37
Value Price
MOS %
1.32
-90.4%
3.29
-76.0%
3.29
-76.0%
MOS Price 0.66 1.65 1.65
IRT 10.83 10.83 10.83

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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