First Northwest Bancorp Stock Z Score

FNWB Stock

USD 10.25 0.80 7.24%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out First Northwest Piotroski F Score and First Northwest Valuation analysis.

At present, First Northwest's Capital Surpluse is projected to decrease significantly based on the last few years of reporting. The current year's Change In Working Capital is expected to grow to about 5.6 M, whereas Net Invested Capital is forecasted to decline to about 373 M. At present, First Northwest's Interest Expense is projected to increase significantly based on the last few years of reporting. The current year's Selling And Marketing Expenses is expected to grow to about 2.8 M, whereas Depreciation And Amortization is forecasted to decline to about 1.3 M.

First Northwest Bancorp Company Z Score Analysis

First Northwest's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

First Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for First Northwest is extremely important. It helps to project a fair market value of First Stock properly, considering its historical fundamentals such as Z Score. Since First Northwest's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of First Northwest's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of First Northwest's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Accounts Payable	Net Receivables	Total Liab	Total Current Assets	Intangible Assets	Short Term Investments	Long Term Debt	Property Plant Equipment	Net Tangible Assets	Long Term Investments	Short Long Term Debt	Short Term Debt	Common Stock	Long Term Debt Total	Capital Surpluse	Treasury Stock	Earning Assets	Current Deferred Revenue	Net Invested Capital	Capital Stock
Total Assets		0.51	0.21	0.95	0.07	0.95	1.0	0.39	0.76	0.73	0.61	0.97	0.58	-0.49	0.19	0.57	-0.89	-0.53	-0.89	-0.32	0.64	0.75	0.85	-0.69
Total Stockholder Equity	0.51		0.15	0.31	0.26	0.41	0.43	0.39	-0.02	0.78	0.2	0.55	0.98	-0.24	-0.23	0.36	-0.48	-0.06	-0.56	-0.14	0.12	0.54	0.28	-0.28
Net Debt	0.21	0.15		0.22	0.8	0.21	0.2	-0.5	0.22	0.14	0.36	0.1	0.19	-0.23	0.51	0.53	-0.09	-0.24	-0.05	-0.18	0.2	-0.07	0.4	-0.16
Retained Earnings	0.95	0.31	0.22		0.02	0.9	0.97	0.33	0.85	0.62	0.71	0.89	0.38	-0.49	0.25	0.58	-0.88	-0.66	-0.84	-0.34	0.62	0.65	0.86	-0.77
Accounts Payable	0.07	0.26	0.8	0.02		0.04	0.04	-0.61	0.04	0.2	-0.08	0.06	0.34	-0.26	0.19	0.47	-0.06	-0.26	-0.05	-0.4	0.24	-0.11	0.17	-0.24
Net Receivables	0.95	0.41	0.21	0.9	0.04		0.96	0.34	0.75	0.7	0.55	0.94	0.49	-0.48	0.26	0.58	-0.86	-0.44	-0.85	-0.33	0.65	0.71	0.83	-0.67
Total Liab	1.0	0.43	0.2	0.97	0.04	0.96		0.37	0.8	0.68	0.62	0.96	0.5	-0.49	0.22	0.56	-0.88	-0.55	-0.87	-0.32	0.65	0.73	0.86	-0.7
Total Current Assets	0.39	0.39	-0.5	0.33	-0.61	0.34	0.37		0.08	0.5	0.28	0.41	0.31	0.0	-0.47	-0.26	-0.32	0.06	-0.31	0.38	-0.09	0.46	0.02	-0.03
Intangible Assets	0.76	-0.02	0.22	0.85	0.04	0.75	0.8	0.08		0.38	0.54	0.7	0.06	-0.61	0.34	0.42	-0.6	-0.75	-0.54	-0.3	0.57	0.31	0.74	-0.61
Short Term Investments	0.73	0.78	0.14	0.62	0.2	0.7	0.68	0.5	0.38		0.34	0.75	0.8	-0.33	-0.28	0.39	-0.71	-0.35	-0.7	-0.2	0.3	0.59	0.41	-0.57
Long Term Debt	0.61	0.2	0.36	0.71	-0.08	0.55	0.62	0.28	0.54	0.34		0.47	0.21	-0.31	0.41	0.49	-0.59	-0.28	-0.51	-0.02	0.32	0.55	0.7	-0.45
Property Plant Equipment	0.97	0.55	0.1	0.89	0.06	0.94	0.96	0.41	0.7	0.75	0.47		0.62	-0.52	0.07	0.54	-0.89	-0.5	-0.89	-0.38	0.63	0.76	0.77	-0.7
Net Tangible Assets	0.58	0.98	0.19	0.38	0.34	0.49	0.5	0.31	0.06	0.8	0.21	0.62		-0.29	-0.15	0.49	-0.57	-0.14	-0.65	-0.3	0.26	0.59	0.39	-0.41
Long Term Investments	-0.49	-0.24	-0.23	-0.49	-0.26	-0.48	-0.49	0.0	-0.61	-0.33	-0.31	-0.52	-0.29		-0.31	-0.38	0.34	0.53	0.34	0.3	-0.52	-0.17	-0.48	0.46
Short Long Term Debt	0.19	-0.23	0.51	0.25	0.19	0.26	0.22	-0.47	0.34	-0.28	0.41	0.07	-0.15	-0.31		0.62	-0.11	-0.2	-0.13	-0.38	0.49	-0.01	0.63	-0.18
Short Term Debt	0.57	0.36	0.53	0.58	0.47	0.58	0.56	-0.26	0.42	0.39	0.49	0.54	0.49	-0.38	0.62		-0.67	-0.48	-0.69	-0.81	0.66	0.43	0.83	-0.76
Common Stock	-0.89	-0.48	-0.09	-0.88	-0.06	-0.86	-0.88	-0.32	-0.6	-0.71	-0.59	-0.89	-0.57	0.34	-0.11	-0.67		0.46	0.98	0.5	-0.64	-0.86	-0.8	0.87
Long Term Debt Total	-0.53	-0.06	-0.24	-0.66	-0.26	-0.44	-0.55	0.06	-0.75	-0.35	-0.28	-0.5	-0.14	0.53	-0.2	-0.48	0.46		0.46	0.58	-0.36	0.0	-0.56	0.71
Capital Surpluse	-0.89	-0.56	-0.05	-0.84	-0.05	-0.85	-0.87	-0.31	-0.54	-0.7	-0.51	-0.89	-0.65	0.34	-0.13	-0.69	0.98	0.46		0.54	-0.6	-0.84	-0.8	0.84
Treasury Stock	-0.32	-0.14	-0.18	-0.34	-0.4	-0.33	-0.32	0.38	-0.3	-0.2	-0.02	-0.38	-0.3	0.3	-0.38	-0.81	0.5	0.58	0.54		-0.57	-0.18	-0.56	0.76
Earning Assets	0.64	0.12	0.2	0.62	0.24	0.65	0.65	-0.09	0.57	0.3	0.32	0.63	0.26	-0.52	0.49	0.66	-0.64	-0.36	-0.6	-0.57		0.56	0.74	-0.62
Current Deferred Revenue	0.75	0.54	-0.07	0.65	-0.11	0.71	0.73	0.46	0.31	0.59	0.55	0.76	0.59	-0.17	-0.01	0.43	-0.86	0.0	-0.84	-0.18	0.56		0.61	-0.55
Net Invested Capital	0.85	0.28	0.4	0.86	0.17	0.83	0.86	0.02	0.74	0.41	0.7	0.77	0.39	-0.48	0.63	0.83	-0.8	-0.56	-0.8	-0.56	0.74	0.61		-0.73
Capital Stock	-0.69	-0.28	-0.16	-0.77	-0.24	-0.67	-0.7	-0.03	-0.61	-0.57	-0.45	-0.7	-0.41	0.46	-0.18	-0.76	0.87	0.71	0.84	0.76	-0.62	-0.55	-0.73

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict First Northwest

According to the company's disclosures, First Northwest Bancorp has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

First Z Score Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses First Northwest's direct or indirect competition against its Z Score to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of First Northwest could also be used in its relative valuation, which is a method of valuing First Northwest by comparing valuation metrics of similar companies.

First Northwest is currently under evaluation in z score category among related companies.

First Northwest Current Valuation Drivers

We derive many important indicators used in calculating different scores of First Northwest from analyzing First Northwest's financial statements. These drivers represent accounts that assess First Northwest's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of First Northwest's important valuation drivers and their relationship over time.

	2019	2020	2021	2022	2023	2024 (projected)
Market Cap	178.5M	142.5M	184.5M	139.5M	142.2M	124.3M
Enterprise Value	242.7M	187.3M	177.8M	379.3M	346.3M	194.2M

First Northwest Institutional Holders

Institutional Holdings refers to the ownership stake in First Northwest that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of First Northwest's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing First Northwest's value.

		Shares
Geode Capital Management, Llc	2023-12-31	89.6 K
Bridgeway Capital Management, Llc	2023-12-31	72.4 K
Holdco Asset Management, L.p.	2023-12-31	59.8 K
Bank Of America Corp	2023-12-31	55.6 K
Bank Of New York Mellon Corp	2023-12-31	39.8 K
Coldstream Capital Management Inc	2023-12-31	35.5 K
State Street Corporation	2023-12-31	32.5 K
Goldman Sachs Group Inc	2023-12-31	26.7 K
Qube Research & Technologies	2023-12-31	21.1 K
Fmr Inc	2023-12-31	864.7 K
Private Capital Management, Llc	2023-12-31	795.9 K

First Fundamentals

	Return On Equity	-0.0057
	Return On Asset	-4.0E-4
	Profit Margin	(0.01) %
	Operating Margin	0.08 %
	Current Valuation	398.45 M
	Shares Outstanding	9.44 M
	Shares Owned By Insiders	19.20 %
	Shares Owned By Institutions	59.44 %
	Number Of Shares Shorted	33.47 K
	Price To Earning	10.77 X
	Price To Book	0.67 X
	Price To Sales	1.71 X
	Revenue	104.92 M
	Gross Profit	78.66 M
	EBITDA	(1.21 M)
	Net Income	2.27 M
	Cash And Equivalents	103.66 M
	Cash Per Share	10.39 X
	Total Debt	327.28 M
	Debt To Equity	4.32 %
	Book Value Per Share	17.00 X
	Cash Flow From Operations	17.59 M
	Short Ratio	2.15 X
	Earnings Per Share	(0.09) X
	Target Price	17.0
	Number Of Employees	270
	Beta	0.76
	Market Capitalization	103.3 M
	Total Asset	2.2 B
	Retained Earnings	107.35 M
	Annual Yield	0.03 %
	Net Asset	2.2 B
	Last Dividend Paid	0.21

About First Northwest Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze First Northwest Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of First Northwest using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of First Northwest Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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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:

How To Invest In First

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Is First Stock a good investment?

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What is First Northwest's Net Worth?

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Largest Regional Banks Companies

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Largest Banks - Regional Companies

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Check out First Northwest Piotroski F Score and First Northwest Valuation analysis.

You can also try the Portfolio Diagnostics module to use generated alerts and portfolio events aggregator to diagnose current holdings.

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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.

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First Northwest Bancorp Stock Z Score

First Northwest Bancorp Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

First Z Score Driver Correlations

First Z Score Peer Comparison

First Northwest Current Valuation Drivers

First Northwest Institutional Holders

First Fundamentals

About First Northwest Fundamental Analysis

Building efficient market-beating portfolios requires time, education, and a lot of computing power!

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