First Financial Northwest, Inc. Logo

First Financial Northwest, Inc.

FFNW

(3.2)
Stock Price

21,33 USD

0.22% ROA

0.66% ROE

65.38x PER

Market Cap.

207.831.125,00 USD

221.39% DER

1.72% Yield

1.46% NPM

First Financial Northwest, Inc. Stock Analysis

First Financial Northwest, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

First Financial Northwest, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.65x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

3 Dividend Growth

The company has demonstrated exceptional dividend growth over the past five years, consistently increasing payouts to shareholders year after year.

4 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

5 ROE

ROE in an average range (5.23%) suggests satisfactory profitability and decent utilization of shareholders' equity.

6 ROA

The stock's ROA (0.55%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

7 DER

The stock has a reasonable amount of debt compared to its ownership (80%), suggesting a balanced financial position and a moderate level of risk.

8 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

9 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (61), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

10 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

11 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

First Financial Northwest, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

First Financial Northwest, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

First Financial Northwest, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

First Financial Northwest, Inc. Revenue
Year Revenue Growth
2003 13.142.000
2004 17.129.000 23.28%
2005 491.000 -3388.59%
2006 228.000 -115.35%
2007 24.310.000 99.06%
2008 32.823.000 25.94%
2009 33.304.000 1.44%
2010 34.026.000 2.12%
2011 35.100.000 3.06%
2012 30.663.000 -14.47%
2013 32.876.000 6.73%
2014 32.860.000 -0.05%
2015 32.251.000 -1.89%
2016 36.766.000 12.28%
2017 39.830.000 7.69%
2018 44.053.000 9.59%
2019 43.049.000 -2.33%
2020 44.911.000 4.15%
2021 48.841.000 8.05%
2022 51.600.000 5.35%
2023 41.520.000 -24.28%
2023 80.931.000 48.7%
2024 84.496.000 4.22%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

First Financial Northwest, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

First Financial Northwest, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 0
2004 0 0%
2005 2.877.000 100%
2006 5.331.000 46.03%
2007 7.981.000 33.2%
2008 11.536.000 30.82%
2009 14.862.000 22.38%
2010 18.400.000 19.23%
2011 19.096.000 3.64%
2012 17.406.000 -9.71%
2013 17.172.000 -1.36%
2014 14.850.000 -15.64%
2015 17.080.000 13.06%
2016 18.498.000 7.67%
2017 22.291.000 17.02%
2018 24.289.000 8.23%
2019 24.643.000 1.44%
2020 26.363.000 6.52%
2021 26.548.000 0.7%
2022 25.092.000 -5.8%
2023 23.940.000 -4.81%
2023 24.667.000 2.95%
2024 19.576.000 -26.01%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

First Financial Northwest, Inc. EBITDA
Year EBITDA Growth
2003 30.975.000
2004 33.082.000 6.37%
2005 35.979.000 8.05%
2006 47.968.000 24.99%
2007 37.462.000 -28.04%
2008 46.097.000 18.73%
2009 -18.500.000 349.17%
2010 -21.480.000 13.87%
2011 23.781.000 190.32%
2012 14.936.000 -59.22%
2013 19.247.000 22.4%
2014 23.539.000 18.23%
2015 21.607.000 -8.94%
2016 21.187.000 -1.98%
2017 24.705.000 14.24%
2018 34.960.000 29.33%
2019 14.771.000 -136.68%
2020 12.668.000 -16.6%
2021 17.332.000 26.91%
2022 29.451.000 41.15%
2023 7.640.000 -285.48%
2023 -763.000 1101.31%
2024 -680.000 -12.21%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

First Financial Northwest, Inc. Gross Profit
Year Gross Profit Growth
2003 13.142.000
2004 17.129.000 23.28%
2005 491.000 -3388.59%
2006 228.000 -115.35%
2007 24.310.000 99.06%
2008 32.823.000 25.94%
2009 33.304.000 1.44%
2010 34.026.000 2.12%
2011 35.100.000 3.06%
2012 30.663.000 -14.47%
2013 32.876.000 6.73%
2014 32.860.000 -0.05%
2015 32.251.000 -1.89%
2016 36.766.000 12.28%
2017 39.830.000 7.69%
2018 44.053.000 9.59%
2019 43.049.000 -2.33%
2020 44.911.000 4.15%
2021 48.841.000 8.05%
2022 51.600.000 5.35%
2023 41.520.000 -24.28%
2023 78.158.000 46.88%
2024 81.692.000 4.33%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

First Financial Northwest, Inc. Net Profit
Year Net Profit Growth
2003 7.453.000
2004 10.055.000 25.88%
2005 9.074.000 -10.81%
2006 7.088.000 -28.02%
2007 -3.984.000 277.91%
2008 4.660.000 185.49%
2009 -40.708.000 111.45%
2010 -54.136.000 24.8%
2011 4.242.000 1376.19%
2012 2.713.000 -56.36%
2013 24.465.000 88.91%
2014 10.687.000 -128.92%
2015 9.160.000 -16.67%
2016 8.892.000 -3.01%
2017 8.479.000 -4.87%
2018 14.899.000 43.09%
2019 10.369.000 -43.69%
2020 8.556.000 -21.19%
2021 12.249.000 30.15%
2022 13.240.000 7.48%
2023 6.004.000 -120.52%
2023 6.305.000 4.77%
2024 6.220.000 -1.37%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

First Financial Northwest, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 -2 100%
2010 -3 33.33%
2011 0 0%
2012 0 0%
2013 1 100%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 1 0%
2021 1 100%
2022 1 0%
2023 1 0%
2023 1 0%
2024 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

First Financial Northwest, Inc. Free Cashflow
Year Free Cashflow Growth
2005 2.774.000
2006 6.912.000 59.87%
2007 14.823.000 53.37%
2008 12.419.000 -19.36%
2009 6.008.000 -106.71%
2010 24.056.000 75.02%
2011 20.372.000 -18.08%
2012 12.995.000 -56.77%
2013 15.104.000 13.96%
2014 18.256.000 17.27%
2015 14.934.000 -22.24%
2016 15.436.000 3.25%
2017 9.284.000 -66.26%
2018 16.329.000 43.14%
2019 10.100.000 -61.67%
2020 9.691.000 -4.22%
2021 16.418.000 40.97%
2022 27.086.000 39.39%
2023 3.378.000 -701.84%
2023 8.170.000 58.65%
2024 3.526.000 -131.71%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

First Financial Northwest, Inc. Operating Cashflow
Year Operating Cashflow Growth
2005 12.337.000
2006 7.659.000 -61.08%
2007 15.151.000 49.45%
2008 12.852.000 -17.89%
2009 14.352.000 10.45%
2010 25.399.000 43.49%
2011 20.521.000 -23.77%
2012 13.134.000 -56.24%
2013 15.205.000 13.62%
2014 18.585.000 18.19%
2015 16.715.000 -11.19%
2016 17.269.000 3.21%
2017 12.108.000 -42.62%
2018 18.676.000 35.17%
2019 13.080.000 -42.78%
2020 11.974.000 -9.24%
2021 18.438.000 35.06%
2022 27.992.000 34.13%
2023 4.171.000 -571.11%
2023 8.319.000 49.86%
2024 3.701.000 -124.78%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

First Financial Northwest, Inc. Capital Expenditure
Year Capital Expenditure Growth
2005 9.563.000
2006 747.000 -1180.19%
2007 328.000 -127.74%
2008 433.000 24.25%
2009 8.344.000 94.81%
2010 1.343.000 -521.3%
2011 149.000 -801.34%
2012 139.000 -7.19%
2013 101.000 -37.62%
2014 329.000 69.3%
2015 1.781.000 81.53%
2016 1.833.000 2.84%
2017 2.824.000 35.09%
2018 2.347.000 -20.32%
2019 2.980.000 21.24%
2020 2.283.000 -30.53%
2021 2.020.000 -13.02%
2022 906.000 -122.96%
2023 793.000 -14.25%
2023 149.000 -432.21%
2024 175.000 14.86%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

First Financial Northwest, Inc. Equity
Year Equity Growth
2003 81.456.000
2004 90.238.000 9.73%
2005 96.353.000 6.35%
2006 104.042.000 7.39%
2007 309.286.000 66.36%
2008 290.108.000 -6.61%
2009 228.517.000 -26.95%
2010 174.478.000 -30.97%
2011 181.320.000 3.77%
2012 187.117.000 3.1%
2013 184.355.000 -1.5%
2014 181.412.000 -1.62%
2015 170.673.000 -6.29%
2016 138.125.000 -23.56%
2017 142.634.000 3.16%
2018 153.738.000 7.22%
2019 156.319.000 1.65%
2020 156.302.000 -0.01%
2021 157.879.000 1%
2022 160.360.000 1.55%
2023 161.660.000 0.8%
2023 159.235.000 -1.52%
2024 160.693.000 0.91%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

First Financial Northwest, Inc. Assets
Year Assets Growth
2003 726.876.000
2004 776.363.000 6.37%
2005 879.650.000 11.74%
2006 1.004.711.000 12.45%
2007 1.140.888.000 11.94%
2008 1.244.440.000 8.32%
2009 1.315.334.000 5.39%
2010 1.193.658.000 -10.19%
2011 1.059.390.000 -12.67%
2012 942.655.000 -12.38%
2013 920.979.000 -2.35%
2014 936.997.000 1.71%
2015 979.913.000 4.38%
2016 1.037.584.000 5.56%
2017 1.210.229.000 14.27%
2018 1.252.424.000 3.37%
2019 1.341.885.000 6.67%
2020 1.387.669.000 3.3%
2021 1.426.329.000 2.71%
2022 1.502.916.000 5.1%
2023 1.510.403.000 0.5%
2023 1.525.568.000 0.99%
2024 1.447.753.000 -5.37%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

First Financial Northwest, Inc. Liabilities
Year Liabilities Growth
2003 645.420.000
2004 686.125.000 5.93%
2005 783.297.000 12.41%
2006 900.669.000 13.03%
2007 831.602.000 -8.31%
2008 954.332.000 12.86%
2009 1.086.817.000 12.19%
2010 1.019.180.000 -6.64%
2011 878.070.000 -16.07%
2012 755.538.000 -16.22%
2013 736.624.000 -2.57%
2014 755.585.000 2.51%
2015 809.240.000 6.63%
2016 899.459.000 10.03%
2017 1.067.595.000 15.75%
2018 1.098.686.000 2.83%
2019 1.185.566.000 7.33%
2020 1.231.367.000 3.72%
2021 1.268.450.000 2.92%
2022 1.342.556.000 5.52%
2023 1.348.743.000 0.46%
2023 1.366.333.000 1.29%
2024 1.287.060.000 -6.16%

First Financial Northwest, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
8.09
Net Income per Share
0.35
Price to Earning Ratio
65.38x
Price To Sales Ratio
2.8x
POCF Ratio
62.32
PFCF Ratio
81.34
Price to Book Ratio
1.29
EV to Sales
4.42
EV Over EBITDA
151.44
EV to Operating CashFlow
98.38
EV to FreeCashFlow
128.26
Earnings Yield
0.02
FreeCashFlow Yield
0.01
Market Cap
0,21 Bil.
Enterprise Value
0,33 Bil.
Graham Number
11.69
Graham NetNet
-178.73

Income Statement Metrics

Net Income per Share
0.35
Income Quality
1.05
ROE
0.02
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
1.1
EBT Per Ebit
0.65
Ebit per Revenue
0.02
Effective Tax Rate
-0.1

Margins

Sales, General, & Administrative to Revenue
0.21
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1.27
Operating Profit Margin
0.02
Pretax Profit Margin
0.01
Net Profit Margin
0.01

Dividends

Dividend Yield
0.02
Dividend Yield %
1.72
Payout Ratio
1.5
Dividend Per Share
0.39

Operating Metrics

Operating Cashflow per Share
0.36
Free CashFlow per Share
0.28
Capex to Operating CashFlow
0.23
Capex to Revenue
0.01
Capex to Depreciation
0.39
Return on Invested Capital
0.01
Return on Tangible Assets
0
Days Sales Outstanding
32.62
Days Payables Outstanding
-48.27
Days of Inventory on Hand
49800.66
Receivables Turnover
11.19
Payables Turnover
-7.56
Inventory Turnover
0.01
Capex per Share
0.08

Balance Sheet

Cash per Share
23,96
Book Value per Share
17,53
Tangible Book Value per Share
17.39
Shareholders Equity per Share
17.53
Interest Debt per Share
42.27
Debt to Equity
2.21
Debt to Assets
0.25
Net Debt to EBITDA
55.4
Current Ratio
0.05
Tangible Asset Value
0,16 Bil.
Net Current Asset Value
-1,22 Bil.
Invested Capital
-1109216000
Working Capital
-1,13 Bil.
Intangibles to Total Assets
0
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
-1155692000
Debt to Market Cap
1.71

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

First Financial Northwest, Inc. Dividends
Year Dividends Growth
2008 0
2009 0 0%
2010 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 1 0%
2024 0 0%

First Financial Northwest, Inc. Profile

About First Financial Northwest, Inc.

First Financial Northwest, Inc. operates as the bank holding company for First Financial Northwest Bank that provides commercial banking services in Washington. The company offers a range of deposit products, including noninterest bearing accounts, interest-bearing demand accounts, money market accounts, statement savings accounts, and certificates of deposit. Its loan products comprise one-to-four family residential loans; multifamily and commercial real estate loans; construction/land loans for the construction of single-family residences, condominiums, townhouses, multifamily properties, and residential developments; business loans; and consumer loans, such as home equity loans and savings account loans. The company also provides wealth management services; and online banking platform, as well as debit cards and ATMs. As of December 31, 2021, it operated seven retail branches in King County, five retail branches in Snohomish County, and two retail branches in Pierce County, Washington. First Financial Northwest, Inc. was founded in 1923 and is headquartered in Renton, Washington.

CEO
Mr. Joseph W. Kiley III
Employee
142
Address
201 Wells Avenue South
Renton, 98057

First Financial Northwest, Inc. Executives & BODs

First Financial Northwest, Inc. Executives & BODs
# Name Age
1 Mr. Richard P. Jacobson
Executive Vice President, Chief Financial Officer, Chief Operating Officer & Director
70
2 Ms. Joann E. Lee CPA
Secretary & Independent Director
70
3 Mr. Simon Soh
Senior Vice President & Chief Credit Officer
70
4 Ms. Dalen D. Harrison
Executive Vice President & Chief Banking Officer
70
5 Mr. Joseph W. Kiley III
President, Chief Executive Officer & Director
70
6 Eva Q. Ngu
Vice President, Controller & Principal Accounting Officer
70
7 Ms. Karla Evans
Assistant Vice President, Investor Relations
70
8 Mr. Ronnie J. Clariza
Senior Vice President & Chief Risk Officer
70

First Financial Northwest, Inc. Competitors