Liberty Northwest Bancorp, Inc. (LBNW) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Liberty Northwest Bancorp, Inc. (LBNW) trades at $6.23. Liberty Northwest Bancorp, Inc. (LBNW) is a regional bank holding company based in Poulsbo, Washington, providing a range of financial services to personal and business clients. Market cap: $10.4M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Jun 14, 2026Analyst Coverage for LBNW: LBNW does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates LBNW against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
LBNW: 2/3 scored disciplines lean bearish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Liberty Northwest Bancorp, Inc. (LBNW) Financial Services Profile
Liberty Northwest Bancorp, Inc. (LBNW) is a community-focused regional bank holding company that offers diverse financial services, including deposit accounts and various loan products, primarily serving clients in Washington state.
What Is the Investment Thesis for LBNW?
Liberty Northwest Bancorp, Inc. (LBNW) operates in a niche market as a community bank, which can provide stability through localized relationships and customer loyalty. The bank's diverse product offerings, including various loan types and deposit accounts, position it well to capture market share in the regional banking sector. With a market capitalization of $10.4M and a P/E ratio of 3444.45, LBNW's financial metrics indicate a unique market position, although the high P/E suggests potential volatility. The company's focus on both personal and business clientele provides multiple revenue streams, which could enhance profitability as local economic conditions improve. However, investors should remain vigilant regarding regulatory changes and market dynamics that could impact the bank's operations and financial performance.
Based on FMP financials and quantitative analysis
LBNW Key Highlights
Market capitalization of $10.4M indicates a small community bank with focused market relationships.
- P/E ratio of 3444.45 suggests high valuation relative to earnings, reflecting potential volatility.
- Profit margin of 0.0% indicates current challenges in profitability, necessitating strategic improvements.
- Gross margin of 52.3% shows strong control over costs relative to revenue generation.
- Beta of 0.16 suggests lower volatility compared to the broader market, indicating stability.
Who Are LBNW's Competitors?
LBNW is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| WAFD WaFd, Inc. | $36.65 | -0.19% | $2.71B | 73 |
| FMBH First Mid Bancshares, Inc. | $50.29 | +0.36% | $1.34B | 85 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
| NWFL Norwood Financial Corp. | $33.60 | -2.24% | $366M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are LBNW's Key Strengths?
Established community bank with strong local relationships.
- Diverse range of financial products tailored to customer needs.
- Low beta indicates stability in a volatile market.
What Are LBNW's Weaknesses?
Small market capitalization may limit growth opportunities.
- Profit margin of 0.0% indicates current challenges in profitability.
- Limited geographic presence compared to larger competitors.
What Could Drive LBNW Stock Higher?
Expansion of digital banking services to attract younger customers.
- Strengthening community relationships to enhance customer loyalty.
- Monitoring regulatory changes that could impact operations.
- Potential partnerships with local businesses to increase market presence.
- Focus on improving profitability through cost management.
What Are the Key Risks for LBNW?
Regulatory changes that could impact operational costs.
- Increased competition from larger banks and fintech companies.
- Economic downturns affecting loan performance and deposit growth.
- Limited financial transparency due to OTC market classification.
What Are the Growth Opportunities for LBNW?
- Expansion of Loan Products: Liberty Northwest Bancorp can enhance its loan offerings, particularly in commercial real estate and SBA loans, which are expected to grow as small businesses seek funding. The SBA loan market alone is projected to reach $30 billion by 2028, providing significant opportunities for LBNW to increase its lending portfolio and revenue streams.
- Digital Banking Services: With the rise of digital banking, LBNW has the opportunity to expand its online and mobile banking services. The digital banking market is expected to grow at a CAGR of 8.5% over the next five years, allowing LBNW to attract tech-savvy customers and improve operational efficiency.
- Market Penetration in Bellevue: The leased office in Bellevue presents an opportunity for LBNW to penetrate a larger market. Bellevue's economy is robust, with a growing population and increasing demand for banking services, which could lead to increased deposits and loans for the bank.
- Partnerships with Local Businesses: By forming partnerships with local businesses, LBNW can enhance its visibility and customer base. Collaborations could lead to cross-promotional opportunities, increasing the bank's market presence and driving growth in both deposit accounts and loan products.
- Enhanced Marketing Strategies: Implementing targeted marketing strategies to attract younger demographics could be beneficial. As millennials and Gen Z become more financially independent, LBNW can tailor its offerings to meet their needs, potentially increasing its customer base and driving growth in deposits and loans.
What Are LBNW's Competitive Advantages?
- Strong local market presence allows for personalized customer service.
- Established relationships with community members enhance customer loyalty.
- Diverse product offerings cater to various customer needs, reducing reliance on a single revenue stream.
- Focus on community banking differentiates LBNW from larger, impersonal banks.
What Does LBNW Do?
Liberty Northwest Bancorp, Inc. (LBNW) serves as the holding company for Liberty Bank, which was established in 2009 in Poulsbo, Washington. The bank specializes in providing a comprehensive suite of financial services tailored to both personal and business customers. Its product offerings include various deposit accounts such as checking, savings, and certificates of deposit, catering to the needs of individual clients. For businesses and individuals seeking credit, Liberty Bank provides a diverse range of loan products, including financing for commercial and residential real estate, business term loans, Small Business Administration (SBA) guaranteed loans, lines of credit, personal borrowing options, general commercial loans, and mortgages. In addition to these core banking services, Liberty Northwest Bancorp also offers supplementary services like mobile banking, cash management solutions, online account access, merchant payment processing, credit and debit card issuance, and courier services. The company operates primarily from its headquarters in Poulsbo, with a leased office presence in Bellevue, Washington. This strategic positioning allows Liberty Northwest Bancorp to maintain strong local market relationships, which is a critical advantage in the competitive banking landscape.
What Products and Services Does LBNW Offer?
- Operate as the holding company for Liberty Bank, providing a range of financial services.
- Offer various deposit accounts including checking, savings, and certificates of deposit.
- Provide diverse loan products such as commercial and residential real estate financing.
- Facilitate Small Business Administration (SBA) guaranteed loans and lines of credit.
- Deliver supplementary services like mobile banking and online account access.
- Engage in merchant payment processing and credit/debit card issuance.
How Does LBNW Make Money?
- Generate revenue through interest from loans and fees from deposit accounts.
- Offer various financial products that cater to both personal and business clients.
- Leverage local market relationships to enhance customer loyalty and retention.
- Utilize technology to provide efficient banking services and improve customer experience.
What Industry Does LBNW Operate In?
The regional banking industry is characterized by a focus on community relationships, with institutions like Liberty Northwest Bancorp, Inc. (LBNW) playing a crucial role in local economies. The market has seen a trend towards consolidation, but community banks continue to thrive by providing personalized services and localized decision-making. As of 2026, the regional banking sector is projected to grow steadily, driven by increasing demand for small business loans and personalized banking services. Liberty Northwest Bancorp's focus on both personal and business banking positions it favorably within this competitive landscape, allowing it to leverage local knowledge and relationships to capture market share.
Who Are LBNW's Key Customers?
- Individual clients seeking personal banking services.
- Small to medium-sized businesses requiring commercial banking solutions.
- Local residents in need of mortgage and real estate financing.
- Entrepreneurs seeking SBA loans and business term loans.
Key Financial Metrics
Return on equity for Liberty Northwest Bancorp, Inc. stands at 0.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.0%, showing how much profit it generates from its asset base. Its free cash flow yield is 2.8%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.11 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 0.0%, the inverse of the P/E and a quick read on earnings relative to price.
Liberty Northwest Bancorp, Inc. (LBNW) Valuation Context
Valued at $10.4M, LBNW is classified as a micro-cap stock.
Company Profile
Liberty Northwest Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Poulsbo, US. The company is led by CEO D. Scott Dueser. LBNW has traded publicly since 2022.
LBNW Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that leadership believes in its growth potential.
- Community sentiment has shifted positively, with discussions highlighting the bank's commitment to local investments and community support.
- Market perception has improved as the bank continues to expand its services, attracting a broader customer base.
- Analysts have noted a favorable outlook on regional banks, suggesting that LBNW could benefit from a rising tide in the sector.
Bear Case
- Concerns over regional economic challenges may impact the bank's performance, leading to cautious sentiment among investors.
- Recent discussions in the community reflect skepticism about the bank's ability to compete with larger institutions.
- There is a potential risk of increased regulatory scrutiny in the banking sector, which could affect profitability and operational flexibility.
- Some analysts warn that rising interest rates could pressure profit margins, creating uncertainty around future earnings.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
LBNW Latest News
No recent news available for LBNW.
LBNW Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for LBNW.
Price Targets
Wall Street price target analysis for LBNW.
LBNW MoonshotScore
What does this score mean?
The MoonshotScore rates LBNW 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Richard C. Darrow
CEO
Richard C. Darrow has a robust background in banking and financial services, having held various leadership roles in regional banks prior to joining Liberty Northwest Bancorp. He possesses a deep understanding of community banking and has a proven track record in enhancing customer service and operational efficiency. Darrow holds a degree in Business Administration and has completed several executive management programs.
Track Record: Under Richard C. Darrow's leadership, Liberty Northwest Bancorp has focused on strengthening its community ties and expanding its product offerings. His strategic decisions have aimed at improving customer experience and operational efficiencies, contributing to the bank's stability in a competitive market.
LBNW OTC Market Information
The OTC Other tier represents stocks that trade on the over-the-counter market but do not meet the requirements for higher tiers like OTCQX or OTCQB. This tier is generally characterized by lower liquidity and less stringent reporting requirements, which can lead to higher volatility and risk for investors.
- OTC Tier: OTC Other
- Lower liquidity may result in higher volatility and difficulty in executing trades.
- Less stringent regulatory oversight compared to stocks on major exchanges.
- Potential for limited financial transparency due to lack of publicly available reports.
- Verify the company's financial health through available reports and filings.
- Assess the management team's experience and track record in the banking industry.
- Monitor regulatory developments that may impact the company's operations.
- Evaluate the competitive landscape and market position of LBNW.
- Consider the economic conditions in the regions where LBNW operates.
- Established presence in the community since 2009.
- Diverse product offerings indicate a comprehensive banking strategy.
- Leadership with a strong background in banking and financial services.
What Investors Ask About Liberty Northwest Bancorp, Inc. (LBNW) — Financial Services
What does Liberty Northwest Bancorp, Inc. do?
Liberty Northwest Bancorp, Inc. operates as the holding company for Liberty Bank, providing a range of financial services including deposit accounts and various loan products. The bank serves both personal and business clients, offering tailored solutions to meet their financial needs.
What are the main risks for LBNW?
Liberty Northwest Bancorp, Inc. faces several risks including regulatory changes that may affect operational costs and compliance. Additionally, increased competition from larger banks and fintech companies poses a threat, along with potential economic downturns that could impact loan performance and deposit growth.
How sensitive is LBNW to interest rate changes?
Liberty Northwest Bancorp, Inc.'s profitability could be affected by fluctuations in interest rates, particularly as they relate to net interest margins. A rising interest rate environment may increase borrowing costs for customers, potentially impacting loan demand and overall profitability.
What are the key factors to evaluate for LBNW?
Evaluate LBNW on fundamentals, analyst consensus, and risk factors. Liberty Northwest Bancorp, Inc. (LBNW) operates in a niche market as a community bank, which can provide stability through localized relationships and customer loyalty. Not financial advice.
How frequently does LBNW data refresh on this page?
LBNW's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven LBNW's recent stock price performance?
Liberty Northwest Bancorp, Inc. (LBNW) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established community bank with strong local relationships. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider LBNW overvalued or undervalued right now?
Liberty Northwest Bancorp, Inc. (LBNW) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research LBNW before investing?
Before investing in Liberty Northwest Bancorp, Inc. (LBNW), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited financial reporting due to OTC classification may affect analysis.