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IntroductionThe concept of valuationRevenue and revenue growthVariable costsFixed costsProduction assets

Intrinsic value of First Northwest Bancorp (FNWB)

Previous Close$15.90
Intrinsic Value$8.24*
Upside potential  -48%
Previous Close
$15.90
Intrinsic Value
$8.24*
Potential        
-48%
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh8.24 8.24

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

First Northwest Bancorp operates as a bank holding company for First Federal Savings and Loan Association of Port Angeles that provides commercial and consumer banking services to individuals, businesses, and nonprofit organizations in western Washington, the United States. The company offers various deposit instruments, including checking accounts, money market deposit accounts, savings accounts, transaction accounts, and certificates of deposit. Its lending activities comprise 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. The company operates through ten full-service branch offices and a lending center in Seattle. First Northwest Bancorp was founded in 1923 and is based in Port Angeles, Washington.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %23.5NaN
Revenue, $74NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m56NaN
Operating income, $m18NaN
EBITDA, $m23NaN
Interest expense (income), $mNaN
Earnings before tax, $m18NaN
Tax expense, $m3NaN
Net income, $m15NaN

BALANCE SHEET

Cash and short-term investments, $m126NaN
Total assets, $m1921NaN
Adjusted assets (=assets-cash), $m1795NaN
Average production assets, $m25NaN
Working capital, $m-128NaN
Total debt, $m127NaN
Total liabilities, $m1730NaN
Total equity, $m191NaN
Debt-to-equity ratio0.665NaN
Adjusted equity ratio0.037NaN

CASH FLOW

Net income, $m15NaN
Depreciation, amort., depletion, $m5NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m7NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-6NaN
Free cash flow, $m13NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-128
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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