First Northwest Bancorp cash flow to debt ratio of 0.44% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

First Northwest Bancorp's free cash flow has decreased 91.54% from $16.88M last year to $1.43M, signaling decreasing performance

First Northwest Bancorp's debt to equity ratio is 2.08, which means that the company's assets are unhealthy financed, signaling financial risk.

First Northwest Bancorp's debt has decreased relative to shareholder equity from 2.30 last year to 2.08 today, signaling strengthened financials

First Northwest Bancorp has negative EBITDA, making leverage ratio unreliable

First Northwest Bancorp earns at least as much interest as it pays. Interest obligations are fully covered.

First Northwest Bancorp's profit margin has increased (-125.97%) in the last year from -5.65% to 1.47%, signaling increasing performance

First Northwest Bancorp's short-term liabilities of $1.71B exceed its short-term assets of $97.18M, signaling financial risk

First Northwest Bancorp's return on assets of 0.00% is lower than the 5.00% threshold, indicating inefficient asset utilization

First Northwest Bancorp's return on equity of 0.96%, is lower than 15.00%, indicating bad performance

First Northwest Bancorp's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

First Northwest Bancorp had positive net income in 3 out of 5 years, indicating stable and consistent earnings

First Northwest Bancorp has positive free cash flow, indicating the company generates cash after capital expenditures

First Northwest Bancorp has a free cash flow yield of 1.37%, which is below the 2.00% threshold, indicating limited cash return relative to market value

First Northwest Bancorp's yearly earnings has increased -36.62% since last year from $-6.61M to $-4.19M, signaling increasing performance

First Northwest Bancorp's yearly revenue has decreased 8.57% since last year from $117.03M to $107.00M, signaling decreasing performance

ROIC 0.02% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

First Northwest Bancorp's 3-year revenue CAGR of 5.73% is positive, indicating growing revenue over the past 3 years

First Northwest Bancorp had revenue growth in 4 out of 5 years, indicating consistent revenue performance

First Northwest Bancorp had positive ROE in 3 out of 5 years, indicating consistent and reliable returns on equity

First Northwest Bancorp has insufficient data to evaluate this check.

First Northwest Bancorp has an earnings yield of 1.53%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings

First Northwest Bancorp is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

First Northwest Bancorp has negative or missing EBITDA, making EV/EBITDA ratio unreliable

First Northwest Bancorp is overvalued relative to its fair value price of 5.78 based on Earnings Fair Value model

First Northwest Bancorp has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

First Northwest Bancorp has a price-to-book ratio of 0.62x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

First Northwest Bancorp has a price-to-sales ratio of 0.96x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue