First Northwest Bancorp (FNWB) carries a Roarable Rating of D- (Sell) with 35/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-02, First Northwest Bancorp (NASDAQ: FNWB) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 35/100 at a spot price of $10.31 (-0.10% 1D, market cap $98.1M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 9/20, and SEC Balance-Sheet Forensics 3/20. Across 1096 tracked Financials issuers, FNWB ranks #986 in composite RQD confidence.
Within the Financials sector (Banks), FNWB carries a Roarable D- (35/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -2.7%. By comparison, BSBK (Bogota Financial Corp.) holds a C- grade (59/100 RQD, P/E 56.3x, ROIC 1.5%, cap $117.8M) and WSBK (Winchester Bancorp Inc.) posts a D+ grade (53/100 RQD, P/E N/A, ROIC -0.7%, cap $123.9M). Among the 5-stock peer group, SRBK leads on earnings multiple (29.3x) while SRBK leads on capital efficiency (2.7% ROIC).
Per FNWB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001556727), First Northwest Bancorp generated $0 in revenue, -$4.2M in net income, and -$2.8M in free cash flow against $2.11B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
20D Institutional Volume Accumulation (±6.4% realized swing band)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 2/9
Dilution Drag (+2.48% YoY Shares) & executive Form 4 sales trim 16 pts from alignment
While FNWB currently carries a cautious 35/100 (D-) rating due to Insider Conviction & Share Dilution (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($10.22) and Max Pain ($10.83) forces dealer call-delta covering toward $13.15.
Forensic Repair Trigger: Halting share dilution (Dilution Drag (+2.48% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
First Northwest Bancorp (FNWB) slipped -0.10% to $10.31, trading at 46% of its 52-week range ($8.44 – $12.52). Stretched risk/reward at current multiples (-3% return on capital) under elevated 10-year interest-rate pressure.
First Northwest Bancorp (FNWB) delivered earnings and revenue surprises of +300.00% and -0.65%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
PORT ANGELES, Wash., Oct. 29, 2026 (GLOBE NEWSWIRE) -- First Northwest Bancorp (Nasdaq: FNWB) ("First Northwest" or the "Company"), the holding company for First Fed Bank ("First Fed" or the "Bank"), today reported its f
Coastal Financial (CCB) delivered earnings and revenue surprises of -10.10% and -14.06%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
First Northwest Bancorp (NASDAQ:FNWB) reported quarterly earnings of $0.06 per share which beat the analyst consensus estimate of $0.04 by 50 percent. This is a 33.33 percent decrease over earnings of $0.09 per share
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on FNWB today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for FNWB. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, First Northwest Bancorp (FNWB) ranks #986 by composite RQD confidence (35/100, grade D-) and #959 by equity capitalization ($98.1M). Within this direct 5-issuer industry benchmark cohort, SRBK leads on earnings valuation at 29.3x trailing P/E, while SRBK leads on capital efficiency and profitability with 2.7% ROIC and — gross margin. BSBK currently holds the highest overall quantitative score in the immediate peer group at 59/100 (C-) compared with FNWB at 35/100 (D-).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| FNWB
ACTIVE
First Northwest Bancorp | D- | 35/100 | — | — | -2.7% | -0.10% | $98.1M | Benchmark Subject |
| BSBK Bogota Financial Corp. | C- | 59/100 | 56.3x | — | 1.5% | -0.11% | $117.8M | /bsbk-vs-fnwb → |
| WSBK Winchester Bancorp Inc. | D+ | 53/100 | — | — | -0.7% | +0.41% | $123.9M | /wsbk-vs-fnwb → |
| SRBK SR Bancorp Inc. | D+ | 55/100 | 29.3x | — | 2.7% | +0.64% | $150.5M | /srbk-vs-fnwb → |
| HYNE Hoyne Bancorp Inc. | D+ | 56/100 | — | — | 0.1% | +1.44% | $153.7M | /hyne-vs-fnwb → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Northwest Bancorp (FNWB) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of -$4.2M, operating cash flow of -$2.8M, and free cash flow of -$2.8M (-116.3% YoY). On the balance sheet, FNWB closed FY2025 with $2.11B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 2/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | -$4.2M | -$2.8M | -$2.8M | $2.11B | — |
| FY2024 (FY) | 2024-12-31 | $0 | -$6.6M | $16.9M | $16.9M | $2.23B | — |
| FY2023 (FY) | 2023-12-31 | $0 | $2.3M | $17.9M | $17.9M | — | — |
As of 2026-11-02, First Northwest Bancorp (NASDAQ: FNWB) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 35/100 at a spot price of $10.31 (-0.10% 1D, market cap $98.1M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 9/20, and SEC Balance-Sheet Forensics 3/20. Across 1096 tracked Financials issuers, FNWB ranks #986 in composite RQD confidence.
Within the Financials sector (Banks), FNWB carries a Roarable D- (35/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -2.7%. By comparison, BSBK (Bogota Financial Corp.) holds a C- grade (59/100 RQD, P/E 56.3x, ROIC 1.5%, cap $117.8M) and WSBK (Winchester Bancorp Inc.) posts a D+ grade (53/100 RQD, P/E N/A, ROIC -0.7%, cap $123.9M). Among the 5-stock peer group, SRBK leads on earnings multiple (29.3x) while SRBK leads on capital efficiency (2.7% ROIC).
Per FNWB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001556727), First Northwest Bancorp generated $0 in revenue, -$4.2M in net income, and -$2.8M in free cash flow against $2.11B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
FNWB last traded at $10.31 (-0.10% on volume of 29,522 shares), positioning the stock +0.88% above its 50-day simple moving average ($10.22) and +0.68% above its 200-day simple moving average ($10.24). Across its 52-week range of $8.44 to $12.52, FNWB sits at the 45.8% percentile with a 14-day RSI of 61.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.4% ($9.65 to $10.97).
Why FNWB Stock slipped -0.10% Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (-3% return on capital) under elevated 10-year interest-rate pressure.
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