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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 0.15
FFNW's Cash to Debt is ranked lower than
90% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. FFNW: 0.15 )
Ranked among companies with meaningful Cash to Debt only.
FFNW' s Cash to Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.76 Max: N/A
Current: 0.15
Equity to Asset 0.14
FFNW's Equity to Asset is ranked higher than
80% of the 1608 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FFNW: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
FFNW' s Equity to Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.19 Max: 0.27
Current: 0.14
0.1
0.27
Interest Coverage 1.66
FFNW's Interest Coverage is ranked higher than
50% of the 1529 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. FFNW: 1.66 )
Ranked among companies with meaningful Interest Coverage only.
FFNW' s Interest Coverage Range Over the Past 10 Years
Min: 0.14  Med: 0.85 Max: 2.65
Current: 1.66
0.14
2.65
F-Score: 5
M-Score: -2.60
WACC vs ROIC
4.08%
3.21%
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 (%) 34.17
FFNW's Operating margin (%) is ranked higher than
58% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.83 vs. FFNW: 34.17 )
Ranked among companies with meaningful Operating margin (%) only.
FFNW' s Operating margin (%) Range Over the Past 10 Years
Min: -3717.54  Med: 8.89 Max: 50.21
Current: 34.17
-3717.54
50.21
Net-margin (%) 22.93
FFNW's Net-margin (%) is ranked higher than
51% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.44 vs. FFNW: 22.93 )
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: 3108.77
Current: 22.93
-159.1
3108.77
ROE (%) 4.77
FFNW's ROE (%) is ranked lower than
76% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.54 vs. FFNW: 4.77 )
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: 4.77
-26.87
13.09
ROA (%) 0.80
FFNW's ROA (%) is ranked lower than
57% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. FFNW: 0.80 )
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: 0.8
-4.32
2.63
Revenue Growth (3Y)(%) 10.70
FFNW's Revenue Growth (3Y)(%) is ranked higher than
77% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. FFNW: 10.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FFNW' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -0.9 Max: 22.5
Current: 10.7
0
22.5
EBITDA Growth (3Y)(%) 92.50
FFNW's EBITDA Growth (3Y)(%) is ranked higher than
98% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. FFNW: 92.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FFNW' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -6.15 Max: 122.7
Current: 92.5
0
122.7
EPS Growth (3Y)(%) 64.70
FFNW's EPS Growth (3Y)(%) is ranked higher than
96% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FFNW: 64.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FFNW' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 1.45 Max: 82.7
Current: 64.7
0
82.7
GuruFocus has detected 4 Warning Signs with First Financial Northwest Inc $FFNW.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» FFNW's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q4 2015

FFNW Guru Trades in Q4 2015

Jim Simons 517,756 sh (+1.60%)
» More
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
» Details

Insider Trades

Latest Guru Trades with FFNW

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6036
Compare:NAS:FBIZ, NAS:PFBI, OTCPK:ISBA, NAS:INBK, NAS:NRIM, NAS:SONA, NAS:MFSF, NAS:CSTR, NAS:SHBI, NAS:CVLY, NAS:UNB, NAS:BWFG, OTCPK:CSHX, NAS:LCNB, NAS:PWOD, NAS:SFST, NAS:ORRF, NAS:FCFP, OTCPK:ALRS, NAS:ACNB » 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, Inc., is a Washington corporation, was formed on June 1, 2007. The company is the holding company for First Savings Bank Northwest, a community-based savings bank mainly serving King and to a lesser extent, Pierce, Snohomish and Kitsap counties, Washington through the company's full-service banking office located in Renton, Washington. It is in the business of attracting deposits from the public and utilizing those deposits to originate one-to-four family residential, multifamily, construction/land development, commercial real estate, and consumer loans. It is income is derived from a diverse base of commercial, mortgage and consumer lending activities and investments. The company focuses its lending activities mainly on loans secured by first mortgages on one-to-four family residences, commercial real estate, multifamily real estate, and construction/land development loans. Its offers a limited variety of consumer secured loans, including savings account loans and home equity loans, which includes lines of credit and second mortgage loans. The company also originates a limited number of jumbo fixed rate loans that it retains for its portfolio. Its fixed-rate, single family residential mortgage loans are normally originated with 15 to 30 year terms, although such loans typically remain outstanding for shorter periods, particularly in a declining interest rate environment. In addition all residential mortgage loans in its loan portfolio contain due-on-sale clauses providing that it declares the unpaid amount due and payable upon the sale of the property securing the loan. The Company offers a limited variety of consumer loans to its customers, consisting mainly of home equity loans and savings account loans. Generally, consumer loans have shorter terms to maturity and higher interest rates than one-to-four family residential loans. Its key competitors are U.S. Bank, Key Bank, Union Bank, Columbia Bank, Sterling Bank and Washington Federal. The Company's competition for loans comes mainly from commercial banks, mortgage brokers, thrift institutions, credit unions and finance companies.

Ratios

vs
industry
vs
history
P/E(ttm) 29.98
FFNW's P/E(ttm) is ranked lower than
90% of the 1490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.41 vs. FFNW: 29.98 )
Ranked among companies with meaningful P/E(ttm) only.
FFNW' s P/E(ttm) Range Over the Past 10 Years
Min: 6.54  Med: 20.6 Max: 79.17
Current: 29.98
6.54
79.17
Forward P/E 18.32
FFNW's Forward P/E is ranked lower than
74% of the 360 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.55 vs. FFNW: 18.32 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 29.98
FFNW's PE(NRI) is ranked lower than
90% of the 1487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.49 vs. FFNW: 29.98 )
Ranked among companies with meaningful PE(NRI) only.
FFNW' s PE(NRI) Range Over the Past 10 Years
Min: 6.54  Med: 20.6 Max: 79.17
Current: 29.98
6.54
79.17
Price/Owner Earnings (ttm) 20.16
FFNW's Price/Owner Earnings (ttm) is ranked lower than
69% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.83 vs. FFNW: 20.16 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FFNW' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.25  Med: 14.2 Max: 37.59
Current: 20.16
4.25
37.59
P/B 1.49
FFNW's P/B is ranked lower than
68% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. FFNW: 1.49 )
Ranked among companies with meaningful P/B only.
FFNW' s P/B Range Over the Past 10 Years
Min: 0.36  Med: 0.79 Max: 1.56
Current: 1.49
0.36
1.56
P/S 6.89
FFNW's P/S is ranked lower than
89% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. FFNW: 6.89 )
Ranked among companies with meaningful P/S only.
FFNW' s P/S Range Over the Past 10 Years
Min: 1.71  Med: 5.2 Max: 15.9
Current: 6.89
1.71
15.9
PFCF 17.91
FFNW's PFCF is ranked lower than
67% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. FFNW: 17.91 )
Ranked among companies with meaningful PFCF only.
FFNW' s PFCF Range Over the Past 10 Years
Min: 2.43  Med: 11.54 Max: 71.33
Current: 17.91
2.43
71.33
POCF 15.78
FFNW's POCF is ranked lower than
68% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.98 vs. FFNW: 15.78 )
Ranked among companies with meaningful POCF only.
FFNW' s POCF Range Over the Past 10 Years
Min: 2.3  Med: 10.32 Max: 48.8
Current: 15.78
2.3
48.8
EV-to-EBIT 33.23
FFNW's EV-to-EBIT is ranked lower than
88% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. FFNW: 33.23 )
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: 33.23
-126.1
103.4
EV-to-EBITDA 30.57
FFNW's EV-to-EBITDA is ranked lower than
89% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.34 vs. FFNW: 30.57 )
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: 30.57
-886.1
66.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.29
FFNW's Dividend Yield is ranked lower than
83% of the 2346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.65 vs. FFNW: 1.29 )
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: 1.29
0.37
7.07
Dividend Payout 0.38
FFNW's Dividend Payout is ranked lower than
60% of the 1313 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. FFNW: 0.38 )
Ranked among companies with meaningful Dividend Payout only.
FFNW' s Dividend Payout Range Over the Past 10 Years
Min: 0.08  Med: 0.32 Max: 1.09
Current: 0.38
0.08
1.09
Forward Dividend Yield 1.25
FFNW's Forward Dividend Yield is ranked lower than
87% of the 2244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. FFNW: 1.25 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.29
FFNW's Yield on cost (5-Year) is ranked lower than
87% of the 2639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.36 vs. FFNW: 1.29 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FFNW' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.37  Med: 1.77 Max: 7.07
Current: 1.29
0.37
7.07
3-Year Average Share Buyback Ratio 9.90
FFNW's 3-Year Average Share Buyback Ratio is ranked higher than
99% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. FFNW: 9.90 )
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: 8.4 Max: 0
Current: 9.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.49
FFNW's Price/Tangible Book is ranked lower than
62% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. FFNW: 1.49 )
Ranked among companies with meaningful Price/Tangible Book only.
FFNW' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.4  Med: 0.79 Max: 1.13
Current: 1.49
0.4
1.13
Price/Projected FCF 0.81
FFNW's Price/Projected FCF is ranked lower than
55% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. FFNW: 0.81 )
Ranked among companies with meaningful Price/Projected FCF only.
FFNW' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.36  Med: 0.55 Max: 0.63
Current: 0.81
0.36
0.63
Price/Median PS Value 1.32
FFNW's Price/Median PS Value is ranked lower than
68% of the 1458 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. FFNW: 1.32 )
Ranked among companies with meaningful Price/Median PS Value only.
FFNW' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.38  Med: 1 Max: 2.96
Current: 1.32
0.38
2.96
Price/Peter Lynch Fair Value 1.20
FFNW's Price/Peter Lynch Fair Value is ranked lower than
51% of the 399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. FFNW: 1.20 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FFNW' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.9  Med: 2.42 Max: 5.34
Current: 1.2
0.9
5.34
Price/Graham Number 1.41
FFNW's Price/Graham Number is ranked lower than
80% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. FFNW: 1.41 )
Ranked among companies with meaningful Price/Graham Number only.
FFNW' s Price/Graham Number Range Over the Past 10 Years
Min: 0.51  Med: 0.89 Max: 1.64
Current: 1.41
0.51
1.64
Earnings Yield (Greenblatt) (%) 3.00
FFNW's Earnings Yield (Greenblatt) (%) is ranked lower than
66% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. FFNW: 3.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FFNW' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1  Med: 5.2 Max: 1478.1
Current: 3
1
1478.1
Forward Rate of Return (Yacktman) (%) 58.36
FFNW's Forward Rate of Return (Yacktman) (%) is ranked higher than
94% of the 867 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.21 vs. FFNW: 58.36 )
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: 10.1 Max: 60.6
Current: 58.36
6.8
60.6

More Statistics

Revenue (TTM) (Mil) $34.84
EPS (TTM) $ 0.63
Beta0.29
Short Percentage of Float1.30%
52-Week Range $12.51 - 20.54
Shares Outstanding (Mil)10.93

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 37 41
EPS ($) 0.72 1.05 1.13
EPS w/o NRI ($) 0.72 1.05 1.13
EPS Growth Rate
(3Y to 5Y Estimate)
10.00%
Dividends Per Share ($) 0.24 0.28 0.32
» 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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FIRST FINANCIAL NORTHWEST, INC. Files SEC form 8-K, Change in Directors or Principal Officers,... Nov 18 2016
First Financial Northwest, Inc. Announces Appointment of Richard M. Riccobono as a New Director Nov 18 2016
First Financial Northwest, Inc. Announces Quarterly Cash Dividend of $0.06 per Share Nov 17 2016
FIRST FINANCIAL NORTHWEST, INC. Financials Nov 15 2016
FIRST FINANCIAL NORTHWEST, INC. Files SEC form 10-Q, Quarterly Report Nov 08 2016
ETF’s with exposure to First Financial Northwest, Inc. : November 2, 2016 Nov 02 2016
First Financial Northwest downgraded by Sandler O'Neill Nov 01 2016
First Financial Northwest, Inc. :FFNW-US: Earnings Analysis: Q3, 2016 By the Numbers : October 31,... Oct 31 2016
FIRST FINANCIAL NORTHWEST, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 28 2016
First Financial Northwest, Inc. Reports Third Quarter Net Income of $2.6 Million or $0.22 per... Oct 27 2016
First Financial Northwest, Inc. Reports Third Quarter Net Income of $2.6 Million or $0.22 per... Oct 27 2016
First Financial Northwest, Inc. : FFNW-US: Dividend Analysis : September 09th, 2016 (record date) :... Oct 17 2016
FIRST FINANCIAL NORTHWEST, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements... Sep 19 2016
FIRST FINANCIAL NORTHWEST, INC. Files SEC form 8-K, Change in Directors or Principal Officers,... Sep 12 2016
First Financial Northwest, Inc. Announces the Adoption of a New Stock Repurchase Program Sep 09 2016
First Financial Northwest, Inc. Announces Final Results of Its Self-Tender Offer Aug 15 2016
First Financial Northwest, Inc. Announces Preliminary Results of Self-Tender Offer Aug 10 2016

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