Switch to:

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 : 7/10

vs
industry
vs
history
Cash to Debt 0.84
FFNW's Cash to Debt is ranked lower than
63% of the 1162 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. FFNW: 0.84 )
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: 1.98
Current: 0.84
0.03
1.98
Equity to Asset 0.17
FFNW's Equity to Asset is ranked higher than
89% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FFNW: 0.17 )
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: 0.17
0.1
0.27
Interest Coverage 2.08
FFNW's Interest Coverage is ranked higher than
57% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. FFNW: 2.08 )
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: 2.08
0.14
2.65
F-Score: 5
M-Score: -2.60
WACC vs ROIC
3.96%
4.61%
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 (%) 44.28
FFNW's Operating margin (%) is ranked higher than
77% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.23 vs. FFNW: 44.28 )
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: 44.28
-3717.54
50.21
Net-margin (%) 28.87
FFNW's Net-margin (%) is ranked higher than
67% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.64 vs. FFNW: 28.87 )
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: 28.87
-159.1
3108.77
ROE (%) 5.16
FFNW's ROE (%) is ranked lower than
75% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.42 vs. FFNW: 5.16 )
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: 5.16
-26.87
13.09
ROA (%) 0.95
FFNW's ROA (%) is ranked higher than
54% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. FFNW: 0.95 )
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: 0.95
-4.32
2.63
Revenue Growth (3Y)(%) 10.70
FFNW's Revenue Growth (3Y)(%) is ranked higher than
77% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 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: -7.85 Max: 10.7
Current: 10.7
0
10.7
EBITDA Growth (3Y)(%) 92.50
FFNW's EBITDA Growth (3Y)(%) is ranked higher than
98% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 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: 92.5
Current: 92.5
0
92.5
EPS Growth (3Y)(%) 63.00
FFNW's EPS Growth (3Y)(%) is ranked higher than
94% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FFNW: 63.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FFNW' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 1.55 Max: 82.7
Current: 63
0
82.7
» FFNW's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-23)


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

» Details

Guru Trades

Q1 2015

FFNW Guru Trades in Q1 2015

Jim Simons 313,758 sh (+24.85%)
» More
Q2 2015

FFNW Guru Trades in Q2 2015

Jim Simons 470,633 sh (+50.00%)
» More
Q3 2015

FFNW Guru Trades in Q3 2015

Jim Simons 509,600 sh (+8.28%)
» More
Q4 2015

FFNW Guru Trades in Q4 2015

Jim Simons 517,756 sh (+1.60%)
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 20.36
FFNW's P/E(ttm) is ranked lower than
80% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. FFNW: 20.36 )
Ranked among companies with meaningful P/E(ttm) only.
FFNW' s P/E(ttm) Range Over the Past 10 Years
Min: 6.56  Med: 18.54 Max: 82.61
Current: 20.36
6.56
82.61
Forward P/E 17.27
FFNW's Forward P/E is ranked lower than
94% of the 368 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. FFNW: 17.27 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 20.36
FFNW's PE(NRI) is ranked lower than
80% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. FFNW: 20.36 )
Ranked among companies with meaningful PE(NRI) only.
FFNW' s PE(NRI) Range Over the Past 10 Years
Min: 6.58  Med: 18.62 Max: 79.17
Current: 20.36
6.58
79.17
Price/Owner Earnings (ttm) 10.10
FFNW's Price/Owner Earnings (ttm) is ranked higher than
61% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. FFNW: 10.10 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FFNW' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.93  Med: 10.95 Max: 21.48
Current: 10.1
3.93
21.48
P/B 1.10
FFNW's P/B is ranked lower than
56% of the 1642 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. FFNW: 1.10 )
Ranked among companies with meaningful P/B only.
FFNW' s P/B Range Over the Past 10 Years
Min: 0.36  Med: 0.76 Max: 1.13
Current: 1.1
0.36
1.13
P/S 5.94
FFNW's P/S is ranked lower than
86% of the 1637 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. FFNW: 5.94 )
Ranked among companies with meaningful P/S only.
FFNW' s P/S Range Over the Past 10 Years
Min: 1.71  Med: 5.11 Max: 7.94
Current: 5.94
1.71
7.94
PFCF 12.61
FFNW's PFCF is ranked lower than
61% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. FFNW: 12.61 )
Ranked among companies with meaningful PFCF only.
FFNW' s PFCF Range Over the Past 10 Years
Min: 2.43  Med: 10.25 Max: 71.33
Current: 12.61
2.43
71.33
POCF 11.24
FFNW's POCF is ranked lower than
62% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. FFNW: 11.24 )
Ranked among companies with meaningful POCF only.
FFNW' s POCF Range Over the Past 10 Years
Min: 2.3  Med: 9.67 Max: 48.8
Current: 11.24
2.3
48.8
EV-to-EBIT 14.59
FFNW's EV-to-EBIT is ranked lower than
56% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. FFNW: 14.59 )
Ranked among companies with meaningful EV-to-EBIT only.
FFNW' s EV-to-EBIT Range Over the Past 10 Years
Min: -931  Med: 12.30 Max: 103.4
Current: 14.59
-931
103.4
EV-to-EBITDA 13.80
FFNW's EV-to-EBITDA is ranked lower than
58% of the 1507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. FFNW: 13.80 )
Ranked among companies with meaningful EV-to-EBITDA only.
FFNW' s EV-to-EBITDA Range Over the Past 10 Years
Min: -6542  Med: 11.70 Max: 66.5
Current: 13.8
-6542
66.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.76
FFNW's Dividend Yield is ranked lower than
75% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. FFNW: 1.76 )
Ranked among companies with meaningful Dividend Yield only.
FFNW' s Dividend Yield Range Over the Past 10 Years
Min: 0.37  Med: 1.79 Max: 7.07
Current: 1.76
0.37
7.07
Dividend Payout 0.36
FFNW's Dividend Payout is ranked lower than
53% of the 1273 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. FFNW: 0.36 )
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: 0.36
0.08
1.09
Forward Dividend Yield 1.76
FFNW's Forward Dividend Yield is ranked lower than
80% of the 1965 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.74 vs. FFNW: 1.76 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.76
FFNW's Yield on cost (5-Year) is ranked lower than
76% of the 2495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. FFNW: 1.76 )
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: 1.80 Max: 7.07
Current: 1.76
0.37
7.07
3-Year Average Share Buyback Ratio 8.20
FFNW's 3-Year Average Share Buyback Ratio is ranked higher than
98% of the 1112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. FFNW: 8.20 )
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: -30.6  Med: 7.10 Max: 0
Current: 8.2
-30.6
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
FFNW's Price/Tangible Book is ranked higher than
51% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. FFNW: 1.10 )
Ranked among companies with meaningful Price/Tangible Book only.
FFNW' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.43  Med: 0.76 Max: 1.13
Current: 1.1
0.43
1.13
Price/Projected FCF 0.62
FFNW's Price/Projected FCF is ranked higher than
55% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. FFNW: 0.62 )
Ranked among companies with meaningful Price/Projected FCF only.
FFNW' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.37  Med: 0.52 Max: 0.63
Current: 0.62
0.37
0.63
Price/Median PS Value 1.16
FFNW's Price/Median PS Value is ranked lower than
70% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. FFNW: 1.16 )
Ranked among companies with meaningful Price/Median PS Value only.
FFNW' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.4  Med: 1.07 Max: 1.53
Current: 1.16
0.4
1.53
Price/Graham Number 1.00
FFNW's Price/Graham Number is ranked lower than
65% of the 1461 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. FFNW: 1.00 )
Ranked among companies with meaningful Price/Graham Number only.
FFNW' s Price/Graham Number Range Over the Past 10 Years
Min: 0.54  Med: 0.95 Max: 1.29
Current: 1
0.54
1.29
Earnings Yield (Greenblatt) (%) 6.90
FFNW's Earnings Yield (Greenblatt) (%) is ranked higher than
50% of the 1644 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FFNW: 6.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FFNW' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1  Med: 5.50 Max: 1478.1
Current: 6.9
1
1478.1

More Statistics

Revenue(Mil) $32
EPS $ 0.67
Beta0.34
Short Percentage of Float0.19%
52-Week Range $11.49 - 14.00
Shares Outstanding(Mil)13.58

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 0.68 0.79
EPS without NRI($) 0.68 0.79

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:TBBK, NAS:FNLC, NAS:OSBC, NAS:FFKT, NAS:FMBH, NAS:MBVT » details
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.
» 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 

More From Other Websites
First Financial Northwest, Inc. Announces Quarterly Cash Dividend of $0.06 per Share Apr 29 2016
First Financial Northwest, Inc. Announces Quarterly Cash Dividend of $0.06 per Share Apr 29 2016
FIRST FINANCIAL NORTHWEST, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 28 2016
First Financial posts 1Q profit Apr 28 2016
First Financial posts 1Q profit Apr 28 2016
First Financial Northwest, Inc. Reports First Quarter Net Income of $1.8 Million or $0.14 per... Apr 28 2016
First Financial Northwest, Inc. Reports First Quarter Net Income of $1.8 Million or $0.14 per... Apr 28 2016
FIRST FINANCIAL NORTHWEST, INC. Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change... Mar 24 2016
FIRST FINANCIAL NORTHWEST, INC. Financials Mar 16 2016
FIRST FINANCIAL NORTHWEST, INC. Files SEC form 10-K, Annual Report Mar 10 2016
FIRST FINANCIAL NORTHWEST, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements... Mar 07 2016
FIRST FINANCIAL NORTHWEST, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 04 2016
First Financial Northwest, Inc. Announces Completion of Charter Change of Subsidiary Bank Feb 04 2016
FIRST FINANCIAL NORTHWEST, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements... Feb 03 2016
First Financial Northwest, Inc. Earnings Analysis: Q4, 2015 By the Numbers Feb 02 2016
FIRST FINANCIAL NORTHWEST, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 29 2016
First Financial Northwest, Inc. Announces Quarterly Cash Dividend of $0.06 Per Share Jan 29 2016
First Financial Northwest, Inc. Reports Fourth Quarter Net Income of $2.1 Million or $0.16 Per... Jan 28 2016
First Financial posts 4Q profit Jan 28 2016
First Financial posts 4Q profit Jan 28 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK