Norman Tonina - First Northwest Director

FNWB Stock  USD 10.25  0.80  7.24%   

Director

Mr. Norman J. Tonina, Jr. is an Independent Director of the Company. Has served as the Chairman of the Fort Worden Public Development Authority in Port Townsend, Washington since 2015. Mr. Tonina is also an adjunct faculty member in Seattle Pacific Universitys graduate program in Industrial and Organizational Psychology. Mr. Tonina most recently worked at Grameen Foundation, a nongovernmental organization focused on enabling the poor to create a world without poverty, where he served as an advisor to the Chief Executive Officer and Board of Directors and as its Chief Human Resources Officer, focused on driving strategic alignment, organizational effectiveness, and human resource reengineering initiatives. He began his career at Digital Equipment Corporation in 1987 and joined Microsoft in 1993 as a finance manager for its Systems products, rising to become Senior Director of Finance for Microsofts Platforms and Applications business. In 1999, he transitioned to Human Resources, where he directed major strategic global HR initiatives, spending the majority of his time focused on culture, leadership, and talent strategies. Mr. Tonina earned his Bachelor of Arts degree in Business Administration from Northeastern University, a certificate in human resources from the University of Michigan, and a Masters degree in Organizational Psychology from Antioch University. Mr. Tonina continues to be actively involved in community organizations in both Seattle and Port Townsend, Washington. since 2013.
Age 51
Tenure 11 years
Address 105 West 8th Street, Port Angeles, WA, United States, 98362
Phone360 457 0461
Webhttps://www.ourfirstfed.com

First Northwest Management Efficiency

At present, First Northwest's Return On Capital Employed is projected to increase slightly based on the last few years of reporting. The current year's Return On Equity is expected to grow to 0.03, whereas Return On Tangible Assets are forecasted to decline to 0.001. At present, First Northwest's Non Current Assets Total are projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 2 B, whereas Total Assets are forecasted to decline to about 1.4 B. First Northwest's management efficiency ratios could be used to measure how well First Northwest manages its routine affairs as well as how well it operates its assets and liabilities.
The company currently holds 327.28 M in liabilities with Debt to Equity (D/E) ratio of 4.32, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist First Northwest until it has trouble settling it off, either with new capital or with free cash flow. So, First Northwest's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like First Northwest Bancorp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for First to invest in growth at high rates of return. When we think about First Northwest's use of debt, we should always consider it together with cash and equity.

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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. The company was founded in 1923 and is based in Port Angeles, Washington. First Nw operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 288 people. First Northwest Bancorp (FNWB) is traded on NASDAQ Exchange in USA. It is located in 105 West 8th Street, Port Angeles, WA, United States, 98362 and employs 270 people. First Northwest is listed under Regional Banks category by Fama And French industry classification.

Management Performance

First Northwest Bancorp Leadership Team

Elected by the shareholders, the First Northwest's board of directors comprises two types of representatives: First Northwest inside directors who are chosen from within the company, and outside directors, selected externally and held independent of First. The board's role is to monitor First Northwest's management team and ensure that shareholders' interests are well served. First Northwest's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, First Northwest's outside directors are responsible for providing unbiased perspectives on the board's policies.
Matthew Deines, CEO President
Geraldine Bullard, Ex CFO
Christopher Donohue, Chief Credit Officer, Executive VP, Chief Credit Officer of First Federal Savings and Loan Association of Port Angeles and Executive VP of First Federal Savings and Loan Association of Port Angeles
PHR MBA, VP Angeles
Allison Mahaney, General SVP
Jennifer Zaccardo, Director
Kelly Liske, Chief Banking Officer, Executive VP, Chief Banking Officer of First Federal Savings and Loan Association of Port Angeles and Executive VP of First Federal Savings and Loan Association of Port Angeles
Norman Tonina, Director
Stephen Oliver, Chairman of the Board
Jeffrey Davis, COO, Executive VP, COO of First Federal Savings and Loan Association of Port Angeles and Executive VP of First Federal Savings and Loan Association of Port Angeles
Laurence Hueth, CEO and President Director, Member of Loan/Asset Quality Committee, CEO of First Federal Savings and Loan Association of Port Angeles and President of First Federal Savings and Loan Association of Port Angeles and Director of First Federal Savings and Loan Association of Port Angeles
Lloyd Eisenman, Director
Terry Anderson, Chief Credit Officer, Executive Vice President
David Flodstrom, Director
Craig Curtis, Independent Director
Christopher Riffle, COO, Executive Vice President General Counsel, Secretary
Cindy Finnie, Director
Regina Wood, CFO, Executive VP, Treasurer, CFO of First Federal Savings and Loan Association of Port Angeles, Executive VP of First Federal Savings and Loan Association of Port Angeles and Treasurer of First Federal Savings and Loan Association of Port Angeles
Dana Behar, Director
David Blake, Vice Chairman of the Board
David Edelstein, Chief Officer

First Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is First Northwest a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards First Northwest in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, First Northwest's short interest history, or implied volatility extrapolated from First Northwest options trading.

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When determining whether First Northwest Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of First Northwest's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of First Northwest Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on First Northwest Bancorp Stock:
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When running First Northwest's price analysis, check to measure First Northwest's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First Northwest is operating at the current time. Most of First Northwest's value examination focuses on studying past and present price action to predict the probability of First Northwest's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First Northwest's price. Additionally, you may evaluate how the addition of First Northwest to your portfolios can decrease your overall portfolio volatility.
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Is First Northwest's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of First Northwest. If investors know First will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about First Northwest listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.90)
Dividend Share
0.21
Earnings Share
(0.09)
Revenue Per Share
6.585
Quarterly Revenue Growth
(0.21)
The market value of First Northwest Bancorp is measured differently than its book value, which is the value of First that is recorded on the company's balance sheet. Investors also form their own opinion of First Northwest's value that differs from its market value or its book value, called intrinsic value, which is First Northwest's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because First Northwest's market value can be influenced by many factors that don't directly affect First Northwest's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between First Northwest's value and its price as these two are different measures arrived at by different means. Investors typically determine if First Northwest is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, First Northwest's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.