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 : 6/10

vs
industry
vs
history
Cash to Debt 0.30
FFNW's Cash to Debt is ranked higher than
56% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.39 vs. FFNW: 0.30 )
FFNW' s 10-Year Cash to Debt Range
Min: 0.03   Max: No Debt
Current: 0.3

Equity to Asset 0.20
FFNW's Equity to Asset is ranked higher than
96% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FFNW: 0.20 )
FFNW' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.27
Current: 0.2

0.1
0.27
Interest Coverage 1.45
FFNW's Interest Coverage is ranked higher than
69% of the 1502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. FFNW: 1.45 )
FFNW' s 10-Year Interest Coverage Range
Min: 0.14   Max: 1.45
Current: 1.45

0.14
1.45
F-Score: 5
Z-Score: 0.26
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 : 3/10

vs
industry
vs
history
Operating margin (%) 34.38
FFNW's Operating margin (%) is ranked higher than
81% of the 1643 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. FFNW: 34.38 )
FFNW' s 10-Year Operating margin (%) Range
Min: -3717.54   Max: 34.38
Current: 34.38

-3717.54
34.38
Net-margin (%) 77.02
FFNW's Net-margin (%) is ranked higher than
98% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.70 vs. FFNW: 77.02 )
FFNW' s 10-Year Net-margin (%) Range
Min: -159.1   Max: 3108.77
Current: 77.02

-159.1
3108.77
ROE (%) 13.27
FFNW's ROE (%) is ranked higher than
91% of the 1665 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. FFNW: 13.27 )
FFNW' s 10-Year ROE (%) Range
Min: -31.03   Max: 13.27
Current: 13.27

-31.03
13.27
ROA (%) 2.66
FFNW's ROA (%) is ranked higher than
97% of the 1665 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. FFNW: 2.66 )
FFNW' s 10-Year ROA (%) Range
Min: -4.54   Max: 2.66
Current: 2.66

-4.54
2.66
ROC (Joel Greenblatt) (%) 63.17
FFNW's ROC (Joel Greenblatt) (%) is ranked higher than
72% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.31 vs. FFNW: 63.17 )
FFNW' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -271.71   Max: 66.74
Current: 63.17

-271.71
66.74
Revenue Growth (%) -0.70
FFNW's Revenue Growth (%) is ranked higher than
70% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FFNW: -0.70 )
FFNW' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 8.6
Current: -0.7

0
8.6
» FFNW's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

FFNW Guru Trades in Q3 2013

Jim Simons 234,000 sh (+2.72%)
» More
Q4 2013

FFNW Guru Trades in Q4 2013

Jim Simons 198,436 sh (-15.2%)
» More
Q1 2014

FFNW Guru Trades in Q1 2014

Jim Simons 177,612 sh (-10.49%)
» More
Q2 2014

FFNW Guru Trades in Q2 2014

Jim Simons 191,095 sh (+7.59%)
» 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 Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.10
FFNW's P/E(ttm) is ranked higher than
94% of the 1832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.10 vs. FFNW: 15.10 )
FFNW' s 10-Year P/E(ttm) Range
Min: 6.52   Max: 82.61
Current: 15.1

6.52
82.61
P/B 1.02
FFNW's P/B is ranked higher than
82% of the 1832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. FFNW: 1.02 )
FFNW' s 10-Year P/B Range
Min: 0.36   Max: 1.02
Current: 1.02

0.36
1.02
P/S 5.31
FFNW's P/S is ranked higher than
56% of the 1832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.12 vs. FFNW: 5.31 )
FFNW' s 10-Year P/S Range
Min: 1.7   Max: 7.85
Current: 5.31

1.7
7.85
PFCF 10.05
FFNW's PFCF is ranked higher than
78% of the 1832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.43 vs. FFNW: 10.05 )
FFNW' s 10-Year PFCF Range
Min: 2.43   Max: 83.22
Current: 10.05

2.43
83.22
EV-to-EBIT 18.69
FFNW's EV-to-EBIT is ranked higher than
69% of the 1832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.88 vs. FFNW: 18.69 )
FFNW' s 10-Year EV-to-EBIT Range
Min: 4   Max: 103.4
Current: 18.69

4
103.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.60
FFNW's Dividend Yield is ranked lower than
67% of the 1413 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. FFNW: 1.60 )
FFNW' s 10-Year Dividend Yield Range
Min: 0.37   Max: 7.07
Current: 1.6

0.37
7.07
Dividend Payout 0.24
FFNW's Dividend Payout is ranked higher than
80% of the 1832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.48 vs. FFNW: 0.24 )
FFNW' s 10-Year Dividend Payout Range
Min: 0.04   Max: 7.5
Current: 0.24

0.04
7.5
Dividend growth (3y) 12.20
FFNW's Dividend growth (3y) is ranked higher than
84% of the 979 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. FFNW: 12.20 )
FFNW' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 12.2
Current: 12.2

0
12.2
Yield on cost (5-Year) 1.60
FFNW's Yield on cost (5-Year) is ranked lower than
67% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. FFNW: 1.60 )
FFNW' s 10-Year Yield on cost (5-Year) Range
Min: 0.37   Max: 7.07
Current: 1.6

0.37
7.07
Share Buyback Rate 1.60
FFNW's Share Buyback Rate is ranked higher than
94% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. FFNW: 1.60 )
FFNW' s 10-Year Share Buyback Rate Range
Min: 0   Max: -30.6
Current: 1.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.02
FFNW's Price/Tangible Book is ranked higher than
85% of the 1832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. FFNW: 1.02 )
FFNW' s 10-Year Price/Tangible Book Range
Min: 0.4   Max: 0.99
Current: 1.02

0.4
0.99
Price/DCF (Projected) 0.58
FFNW's Price/DCF (Projected) is ranked higher than
91% of the 1832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.45 vs. FFNW: 0.58 )
FFNW' s 10-Year Price/DCF (Projected) Range
Min: 0.34   Max: 0.57
Current: 0.58

0.34
0.57
Price/Median PS Value 1.17
FFNW's Price/Median PS Value is ranked higher than
68% of the 1832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FFNW: 1.17 )
FFNW' s 10-Year Price/Median PS Value Range
Min: 0.43   Max: 1.69
Current: 1.17

0.43
1.69
Price/Graham Number 0.86
FFNW's Price/Graham Number is ranked higher than
92% of the 1832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FFNW: 0.86 )
FFNW' s 10-Year Price/Graham Number Range
Min: 0.51   Max: 1.87
Current: 0.86

0.51
1.87
Earnings Yield (Greenblatt) 5.40
FFNW's Earnings Yield (Greenblatt) is ranked higher than
62% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FFNW: 5.40 )
FFNW' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1   Max: 24.8
Current: 5.4

1
24.8
Forward Rate of Return (Yacktman) 6.62
FFNW's Forward Rate of Return (Yacktman) is ranked higher than
61% of the 1309 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.88 vs. FFNW: 6.62 )
FFNW' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 7   Max: 10.5
Current: 6.62

7
10.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » 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, multifamily, construction/land development, commercial real estate, and consumer loans. The company's recent business strategy has included an increased emphasis on the expansion of multifamily and commercial real estate lending as well as lending to businesses. 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 $.05 Cash Dividend Aug 20 2014
First Financial Northwest, Inc. Announces Quarterly $.05 Cash Dividend Aug 20 2014
FIRST FINANCIAL NORTHWEST, INC. Financials Aug 19 2014
FIRST FINANCIAL NORTHWEST, INC. Files SEC form 10-Q, Quarterly Report Aug 07 2014
FIRST FINANCIAL NORTHWEST, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 31 2014
First Financial Northwest, Inc. Reports Net Income for the Second Quarter of $2.4 Million or $0.16... Jul 30 2014
First Financial Northwest, Inc. Reports Net Income for the Second Quarter of $2.4 Million or $0.16... Jul 30 2014
First Financial Northwest - A Classic Graham-Dodd Investment Opportunity Jul 22 2014
FIRST FINANCIAL NORTHWEST, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security... Jun 26 2014
FIRST FINANCIAL NORTHWEST, INC. Files SEC form 8-K, Change in Directors or Principal Officers,... May 28 2014
FIRST FINANCIAL NORTHWEST, INC. Files SEC form 10-Q, Quarterly Report May 08 2014
Why First Financial Northwest (FFNW) Stock Finished Higher Today Apr 24 2014
FIRST FINANCIAL NORTHWEST, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 24 2014
First Financial Northwest, Inc. Announces Quarterly Cash Dividend and Stock Repurchase Program Apr 24 2014
FIRST FINANCIAL NORTHWEST, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 23 2014
FIRST FINANCIAL NORTHWEST, INC. Files SEC form 10-K, Annual Report Mar 13 2014
FIRST FINANCIAL NORTHWEST, INC. Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change... Feb 28 2014

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

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)
Free 7-day Trial
FEEDBACK