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First Northwest BancorpFNWB +1.52%57 EV-to-OCF is 19.49 as of Aug. 29, 2026, which is 2% above its 10-year median of 19.14. GuruFocus rates FNWB with a GF Score™ of 57/100 and a GF Value™ of $10.99 (Fairly Valued). The stock has 9 warning signs investors should review. Among 1,493 Banks companies, First Northwest Bancorp ranks worse than 88.61% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, First Northwest Bancorp's Enterprise Value is $338.86 Mil.
First Northwest Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $17.39 Mil. Therefore, First Northwest Bancorp's EV-to-OCF for today is 19.49.
The historical rank and industry rank for First Northwest Bancorp's EV-to-OCF or its related term are showing as below:
FNWB'
s EV-to-OCF Range Over the Past 10 Years
Min: -173988.39 Med: 19.14 Max: 210.19
Current: 19.49
During the past 13 years, the highest EV-to-OCF of First Northwest Bancorp was 210.19. The lowest was -173988.39. And the median was 19.14.
FNWB's EV-to-OCF is ranked worse than 88.61% of 1493
companies
in the Banks industry
Industry Median: 3.87
vs FNWB: 19.49
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Northwest Bancorp (NAS:FNWB) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Northwest Bancorp's PE Ratio (TTM) for today is calculated as:
First Northwest Bancorp's share price for today is $11.355.
First Northwest Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.160.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, First Northwest Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Northwest Bancorp EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, First Northwest Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where First Northwest Bancorp's EV-to-OCF falls into.
First Northwest Bancorp's current Enterprise Value is $338.86 Mil.
First Northwest Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $17.39 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Northwest Bancorp (FNWB) has a EV-to-OCF of 19.49 as of Aug. 29, 2026. This is near median its historical median of 19.14. According to the industry distribution chart, First Northwest Bancorp ranks #1323 out of 1493 companies in the Banks industry, placing it in the top 88.6%.
Is First Northwest Bancorp's EV-to-OCF too high?
First Northwest Bancorp's current EV-to-OCF of 19.49 is near median its 10-year median of 19.14. The Banks industry median EV-to-OCF is 3.87. First Northwest Bancorp's value of 19.49 is 403.6% above this industry median. Based on the distribution chart, First Northwest Bancorp ranks #1323 out of 1493 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, First Northwest Bancorp has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Northwest Bancorp's EV-to-OCF compare to UNB and UNIB?
According to the Banks industry distribution chart, First Northwest Bancorp ranks #1323 out of 1493 companies for EV-to-OCF. This places First Northwest Bancorp in the lower half of its industry. The industry median EV-to-OCF is 3.87. First Northwest Bancorp's value of 19.49 is 403.6% above this benchmark. While the company's 10-year median is 19.14 vs. the industry median of 3.87, First Northwest Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.87, based on 1,493 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Northwest Bancorp's current EV-to-OCF of 19.49 is 403.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Northwest Bancorp's current EV-to-OCF is 19.49, which is near median its own 10-year median of 19.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Northwest Bancorp stock overvalued right now?
Based on GuruFocus' analysis, First Northwest Bancorp (FNWB) is currently considered Fairly Valued. The stock's GF Value™ is $10.99, compared to a current price of $11.36 — trading 3.3% above its estimated fair value. The current EV-to-OCF is 19.49, which is near median its 10-year median of 19.14 and 403.6% above the Banks industry median of 3.87. First Northwest Bancorp's overall GF Score™ is 57/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For First Northwest Bancorp (FNWB), the current EV-to-OCF is 19.49 as of Aug. 29, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Northwest Bancorp (FNWB) Overvalued in 2026?
Based on GuruFocus' analysis, First Northwest Bancorp stock appears to be overvalued.
The current stock price of $11.36 is trading 3.3% above its estimated GF Value™ of $10.99.
GuruFocus considers First Northwest Bancorp to be Fairly Valued.
Key valuation signals for FNWB:
EV-to-OCF: 19.49 (near median its 10-year median of 19.14)
GF Value™: $10.99 vs. price of $11.36 (3.3% above fair value)
Industry Position: 403.6% above the Banks median (#1323 of 1493)
No single metric tells the full story. See the FNWB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Northwest Bancorp is a bank holding company and a financial holding company and is engaged in banking activities through its wholly owned subsidiary, First Fed Bank, as well as certain non-banking financial activities. It offers various products and services, such as commercial business loans, multi-family real estate loans, auto and consumer loans, transaction accounts, savings and money market accounts, online banking services, etc., focused on the lending, deposit, and money movement needs of individuals, businesses and nonprofit organizations. The Group's operations are mainly focused on serving various communities in Washington State, U.S. Substantially all of its income is derived from a diverse base of commercial, mortgage, and consumer lending activities and investments.
57GF Score
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