FNWB — Stock Film
STOCK FILMSCENE 1/11FNWB · $11.23
Stock Expert AI presents
FNWB
First Northwest Bancorp
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
First Northwest Bancorp. A quick introduction.

On the stock market since 2015, it operates in the world of money and finance. It has 242 employees. Now — the numbers.

on the stock market since 2015
242 employees
$106M market value
Revenue last year:
$0
The loss that same year:
$0
Sales don’t cover the costs; the gap drains from the cash pile every year.

The company is still in the product-building phase: its spending runs above its sales. That only changes once the product starts selling at scale.

WHERE DOES THE MONEY COME FROM?
53%Credit Card Interchange Income
Credit Card Interchange Income 53%Deposit Fees 43%Debit Interchange Income 4%
53% of all revenue comes from a single line: Credit Card Interchange Income.

The biggest line carries real weight, but it doesn’t decide everything on its own.

In the vault right now:
$0
DEBT: $324.6M
At this pace, that money lasts about 21.6 years.

Before the clock runs out, either sales must climb sharply or new money must come in. For now, time is on the company’s side.

Every quarter, analysts set a profit bar.
How many of the last 8 did the company clear?
3 / 8
EXPECTATIONS MET OR BEATEN
3
Oct 2024
Jan 2025
Apr 2025
Jul 2025
Oct 2025
Jan 2026
Apr 2026
Jul 2026
3 TIMES IN THE LAST 8 QUARTERS
It misses the bar more often than not.
INSIDE THE REPORT CARD

We compared this company with its own sector across five subjects.

A score of 50 means class average.

BUSINESS QUALITY
43
weak

Clearly below the class average.

FINANCIAL STRENGTH
59
average

For a bank, strength is measured by capital buffers and reserves — not cash minus debt.

VALUATION
84
very strong

The price looks reasonable next to what the company earns.

GROWTH
22
very weak

Clearly below the class average.

PRICE MOMENTUM
91
very strong

The stock has been running stronger than the market lately.

WORTH WATCHING

Growth: Sales growth trails the sector average.

Business Quality: Profit power and business quality trail similar companies in the sector.

THE FIVE-YEAR JOURNEY
Below the peak, but no collapse.

The stock trades 52% below its peak. The market has trimmed its expectations for the company.

1
THE BRIGHT SIDE · 1/3
The product is selling

Sales run at $107.2M a year. A small number, but proof the product has real buyers.

2
THE BRIGHT SIDE · 2/3
Executives are buying their own stock

Over the last 12 months, company executives reported 17 buys and 4 sells. Management buying with its own money is usually read as a good sign.

3
THE BRIGHT SIDE · 3/3
Analysts’ target sits above today’s price

The average analyst price target is $15.0034% above today’s price.

1
THE RISKS · 1/3
Small scale, thin loss

A loss of $4.2M against $107.2M in annual sales. And on top of that, sales fell from the year before.

2
THE RISKS · 2/3
Growth trails the sector

The growth engine is running at low revs right now. Report-card grade: 22/100.

3
THE RISKS · 3/3
The business trails its class

Measured against its sector, the quality of the business sits below the class average. Report-card grade: 43/100.

FINALE · THE GRADE
C
0 / 100 · MoonshotScore

On our five-subject report card, FNWB sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.

The takeaway: FNWB is a high-risk stock — not yet profitable, and its future rides on its product catching on.

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This was a film — not investment advice.
Data: FMP & company filings
Aug 21, 2026 · stockexpertai.com · Stock Film