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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 0.18
FFNW's Cash-to-Debt is ranked lower than
88% of the 1482 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. FFNW: 0.18 )
Ranked among companies with meaningful Cash-to-Debt only.
FFNW' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.75 Max: 1.98
Current: 0.18
0.03
1.98
Equity-to-Asset 0.13
FFNW's Equity-to-Asset is ranked higher than
75% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FFNW: 0.13 )
Ranked among companies with meaningful Equity-to-Asset only.
FFNW' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.17 Max: 0.27
Current: 0.13
0.1
0.27
Interest Coverage 1.68
FFNW's Interest Coverage is ranked higher than
50% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. FFNW: 1.68 )
Ranked among companies with meaningful Interest Coverage only.
FFNW' s Interest Coverage Range Over the Past 10 Years
Min: 0.14  Med: 1.45 Max: 2.65
Current: 1.68
0.14
2.65
Beneish M-Score: -2.56
WACC vs ROIC
4.05%
3.33%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating Margin % 34.20
FFNW's Operating Margin % is ranked higher than
59% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.60 vs. FFNW: 34.20 )
Ranked among companies with meaningful Operating Margin % only.
FFNW' s Operating Margin % Range Over the Past 10 Years
Min: -160.52  Med: 19.29 Max: 50.21
Current: 34.2
-160.52
50.21
Net Margin % 24.13
FFNW's Net Margin % is ranked higher than
58% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.84 vs. FFNW: 24.13 )
Ranked among companies with meaningful Net Margin % only.
FFNW' s Net Margin % Range Over the Past 10 Years
Min: -159.1  Med: 13.15 Max: 76.68
Current: 24.13
-159.1
76.68
ROE % 5.55
FFNW's ROE % is ranked lower than
70% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. FFNW: 5.55 )
Ranked among companies with meaningful ROE % only.
FFNW' s ROE % Range Over the Past 10 Years
Min: -26.87  Med: 1.97 Max: 13.09
Current: 5.55
-26.87
13.09
ROA % 0.88
FFNW's ROA % is ranked higher than
51% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FFNW: 0.88 )
Ranked among companies with meaningful ROA % only.
FFNW' s ROA % Range Over the Past 10 Years
Min: -4.32  Med: 0.39 Max: 2.63
Current: 0.88
-4.32
2.63
3-Year Revenue Growth Rate 16.80
FFNW's 3-Year Revenue Growth Rate is ranked higher than
87% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. FFNW: 16.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FFNW' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: -0.5 Max: 22.5
Current: 16.8
0
22.5
3-Year EBITDA Growth Rate 17.20
FFNW's 3-Year EBITDA Growth Rate is ranked higher than
77% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. FFNW: 17.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
FFNW' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -12.3 Max: 122.7
Current: 17.2
0
122.7
3-Year EPS without NRI Growth Rate -20.30
FFNW's 3-Year EPS without NRI Growth Rate is ranked lower than
90% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. FFNW: -20.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
FFNW' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -20.3 Max: 82.7
Current: -20.3
0
82.7
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» FFNW's 10-Y Financials

Financials (Next Earnings Date: 2017-07-22 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

FFNW Guru Trades in Q1 2016

Jim Simons 489,000 sh (-5.55%)
» More
Q2 2016

FFNW Guru Trades in Q2 2016

Jim Simons 511,500 sh (+4.60%)
» More
Q3 2016

FFNW Guru Trades in Q3 2016

Jim Simons 573,099 sh (+12.04%)
» More
Q4 2016

FFNW Guru Trades in Q4 2016

Jim Simons 653,407 sh (+14.01%)
» More
» Details

Insider Trades

Latest Guru Trades with FFNW

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6036
Compare:NAS:SHBI, NAS:NRIM, NAS:PVBC, NAS:INBK, NAS:SONA, OTCPK:CSHX, NAS:UNB, NAS:PFBI, NAS:PWOD, NAS:BCBP, NAS:SFST, NAS:FGBI, NAS:CSTR, AMEX:EVBN, NAS:CIVB, NAS:ESXB, NAS:FBIZ, NAS:OSHC, NAS:YCB, OTCPK:FNBG » details
First Financial Northwest Inc is a bank holding company for First Savings Bank Northwest. Its business activities are attracting deposits from the general public and providing lending services.

First Financial Northwest is a savings bank operating one branch in the Puget Sound area. The bank de-mutualized in 2007 and concentrates on making residential and commercial real estate loans funded primarily with certificates of deposit.

Ratios

vs
industry
vs
history
PE Ratio 24.12
FFNW's PE Ratio is ranked lower than
85% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.36 vs. FFNW: 24.12 )
Ranked among companies with meaningful PE Ratio only.
FFNW' s PE Ratio Range Over the Past 10 Years
Min: 6.54  Med: 20.92 Max: 79.17
Current: 24.12
6.54
79.17
Forward PE Ratio 17.24
FFNW's Forward PE Ratio is ranked lower than
76% of the 407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.26 vs. FFNW: 17.24 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 24.12
FFNW's PE Ratio without NRI is ranked lower than
85% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. FFNW: 24.12 )
Ranked among companies with meaningful PE Ratio without NRI only.
FFNW' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.54  Med: 20.92 Max: 79.17
Current: 24.12
6.54
79.17
Price-to-Owner-Earnings 16.90
FFNW's Price-to-Owner-Earnings is ranked lower than
64% of the 860 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.74 vs. FFNW: 16.90 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FFNW' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.25  Med: 14.31 Max: 37.59
Current: 16.9
4.25
37.59
PB Ratio 1.41
FFNW's PB Ratio is ranked lower than
70% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. FFNW: 1.41 )
Ranked among companies with meaningful PB Ratio only.
FFNW' s PB Ratio Range Over the Past 10 Years
Min: 0.36  Med: 0.8 Max: 1.66
Current: 1.41
0.36
1.66
PS Ratio 5.97
FFNW's PS Ratio is ranked lower than
88% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. FFNW: 5.97 )
Ranked among companies with meaningful PS Ratio only.
FFNW' s PS Ratio Range Over the Past 10 Years
Min: 1.71  Med: 5.2 Max: 15.9
Current: 5.97
1.71
15.9
Price-to-Free-Cash-Flow 14.16
FFNW's Price-to-Free-Cash-Flow is ranked lower than
60% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.08 vs. FFNW: 14.16 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FFNW' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.43  Med: 11.64 Max: 71.33
Current: 14.16
2.43
71.33
Price-to-Operating-Cash-Flow 12.68
FFNW's Price-to-Operating-Cash-Flow is ranked lower than
62% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. FFNW: 12.68 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FFNW' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.3  Med: 10.41 Max: 48.8
Current: 12.68
2.3
48.8
EV-to-EBIT 26.75
FFNW's EV-to-EBIT is ranked lower than
83% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. FFNW: 26.75 )
Ranked among companies with meaningful EV-to-EBIT only.
FFNW' s EV-to-EBIT Range Over the Past 10 Years
Min: -126.1  Med: 12.9 Max: 103.4
Current: 26.75
-126.1
103.4
EV-to-EBITDA 24.64
FFNW's EV-to-EBITDA is ranked lower than
85% of the 1219 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. FFNW: 24.64 )
Ranked among companies with meaningful EV-to-EBITDA only.
FFNW' s EV-to-EBITDA Range Over the Past 10 Years
Min: -886.1  Med: 12.3 Max: 66.5
Current: 24.64
-886.1
66.5
PEG Ratio 0.53
FFNW's PEG Ratio is ranked higher than
81% of the 767 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. FFNW: 0.53 )
Ranked among companies with meaningful PEG Ratio only.
FFNW' s PEG Ratio Range Over the Past 10 Years
Min: 0.4  Med: 0.49 Max: 0.54
Current: 0.53
0.4
0.54

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.34
FFNW's Dividend Yield % is ranked lower than
83% of the 2308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. FFNW: 1.34 )
Ranked among companies with meaningful Dividend Yield % only.
FFNW' s Dividend Yield % Range Over the Past 10 Years
Min: 0.37  Med: 1.77 Max: 7.07
Current: 1.34
0.37
7.07
Dividend Payout Ratio 0.32
FFNW's Dividend Payout Ratio is ranked higher than
51% of the 1308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FFNW: 0.32 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FFNW' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.08  Med: 0.32 Max: 1.09
Current: 0.32
0.08
1.09
3-Year Dividend Growth Rate 26.00
FFNW's 3-Year Dividend Growth Rate is ranked higher than
82% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. FFNW: 26.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
FFNW' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 26
Current: 26
0
26
Forward Dividend Yield % 1.34
FFNW's Forward Dividend Yield % is ranked lower than
85% of the 2276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.87 vs. FFNW: 1.34 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.34
FFNW's 5-Year Yield-on-Cost % is ranked lower than
85% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. FFNW: 1.34 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FFNW' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.37  Med: 1.77 Max: 7.07
Current: 1.34
0.37
7.07
3-Year Average Share Buyback Ratio 12.60
FFNW's 3-Year Average Share Buyback Ratio is ranked higher than
99% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. FFNW: 12.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FFNW' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 0  Med: 9.9 Max: 0
Current: 12.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.41
FFNW's Price-to-Tangible-Book is ranked lower than
64% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. FFNW: 1.41 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FFNW' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.43  Med: 0.77 Max: 1.56
Current: 1.41
0.43
1.56
Price-to-Intrinsic-Value-Projected-FCF 0.75
FFNW's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
51% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. FFNW: 0.75 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FFNW' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.37  Med: 0.6 Max: 0.83
Current: 0.75
0.37
0.83
Price-to-Median-PS-Value 1.15
FFNW's Price-to-Median-PS-Value is ranked lower than
58% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. FFNW: 1.15 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FFNW' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.39  Med: 1.05 Max: 2.96
Current: 1.15
0.39
2.96
Price-to-Peter-Lynch-Fair-Value 0.97
FFNW's Price-to-Peter-Lynch-Fair-Value is ranked higher than
57% of the 437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. FFNW: 0.97 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
FFNW' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.97  Med: 1.07 Max: 1.07
Current: 0.97
0.97
1.07
Price-to-Graham-Number 1.23
FFNW's Price-to-Graham-Number is ranked lower than
76% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. FFNW: 1.23 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FFNW' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.54  Med: 1.02 Max: 1.36
Current: 1.23
0.54
1.36
Earnings Yield (Greenblatt) % 3.74
FFNW's Earnings Yield (Greenblatt) % is ranked lower than
64% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. FFNW: 3.74 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FFNW' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1  Med: 4.6 Max: 1478.1
Current: 3.74
1
1478.1
Forward Rate of Return (Yacktman) % 57.71
FFNW's Forward Rate of Return (Yacktman) % is ranked higher than
94% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. FFNW: 57.71 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
FFNW' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 6.8  Med: 10.55 Max: 60.6
Current: 57.71
6.8
60.6

More Statistics

Revenue (TTM) (Mil) $36.85
EPS (TTM) $ 0.74
Beta0.28
Short Percentage of Float1.46%
52-Week Range $12.55 - 21.29
Shares Outstanding (Mil)11.04

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 42 46
EPS ($) 1.04 1.11
EPS without NRI ($) 1.04 1.11
EPS Growth Rate
(Future 3Y To 5Y Estimate)
10.00%
Dividends per Share ($) 0.42 0.54
» More Articles for FFNW

Headlines

Articles On GuruFocus.com
FIRST FINANCIAL NORTHWEST, INC. (FFNW) CEO Victor Karpiak buys 5,762 Shares Feb 24 2011 
First Financial Northwest Corp (FFNW) – A “B-B-T-W-T-A-A-D-D” Special Situation Jun 29 2010 
June 28, 2010 52-Week Low Wrap-Up: BP Plc, Carrols Restaurant, First Financial Northwest, Monsanto, Jun 28 2010 
June 25, 2010 52-Week Low Wrap-Up: Blackrock, BP Plc, Community Bankers Trust, ENGlobal, First Finan Jun 25 2010 
FIRST FINANCIAL NORTHWEST, INC. (FFNW) CEO Victor Karpiak buys 5,000 Shares May 10 2010 
Guru Stocks at 52-Week Low: First Financial Northwest, Inc, Stericycle Inc, SAIC Inc, First BanCorp, Sep 27 2009 
Guru Stocks at 52-Week Lows: Stericycle Inc, SAIC Inc, FIRST FINANCIAL NORTHWEST, INC, Orion Energy Sep 20 2009 
Guru Stocks at 52-Week Low: Banco Ita Holding Financeira S.A, Open Solutions Inc, First Financial No Sep 13 2009 

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