Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, First Northwest Bancorp's Enterprise Value is €294.97 Mil.
First Northwest Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €16.64 Mil. Therefore, First Northwest Bancorp's EV-to-FCF for today is 17.73.
The historical rank and industry rank for First Northwest Bancorp's EV-to-FCF or its related term are showing as below:
FRA:45I'
s EV-to-FCF Range Over the Past 10 Years
Min: -4766.81 Med: 24.88 Max: 1332.78
Current: 17.51
During the past 13 years, the highest EV-to-FCF of First Northwest Bancorp was 1332.78. The lowest was -4766.81. And the median was 24.88.
FRA:45I's EV-to-FCF is ranked worse than 79.18% of 1191
companies
in the Banks industry
Industry Median: 7.15
vs FRA:45I: 17.51
EV-to-FCF 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 (FRA:45I) EV-to-FCF Explanation
EV-to-FCF 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 €10.20.
First Northwest Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €0.137.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, First Northwest Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where First Northwest Bancorp's EV-to-FCF falls into.
First Northwest Bancorp's current Enterprise Value is €294.97 Mil.
First Northwest Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €16.64 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 (FRA:45I) has a EV-to-FCF of 17.73 as of Aug. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Northwest Bancorp and its competitors. This is 29% below median its historical median of 24.88. According to the industry distribution chart, First Northwest Bancorp ranks #943 out of 1191 companies in the Banks industry, placing it in the top 79.2%.
Is First Northwest Bancorp's EV-to-FCF too high?
First Northwest Bancorp's current EV-to-FCF of 17.73 is 29% below median its 10-year median of 24.88. The Banks industry median EV-to-FCF is 7.15. First Northwest Bancorp's value of 17.73 is 148% above this industry median. Based on the distribution chart, First Northwest Bancorp ranks #943 out of 1191 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, First Northwest Bancorp has a GF Score™ of 56/100, reflecting its overall financial health beyond just this single metric.
How does First Northwest Bancorp's EV-to-FCF compare to UNB and UNIB?
According to the Banks industry distribution chart, First Northwest Bancorp ranks #943 out of 1191 companies for EV-to-FCF. This places First Northwest Bancorp in the lower half of its industry. The industry median EV-to-FCF is 7.15. First Northwest Bancorp's value of 17.73 is 148% above this benchmark. While the company's 10-year median is 24.88 vs. the industry median of 7.15, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.15, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Northwest Bancorp's current EV-to-FCF of 17.73 is 148% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Northwest Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 7.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Northwest Bancorp's current EV-to-FCF is 17.73, which is 29% below median its own 10-year median of 24.88. 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?
First Northwest Bancorp (FRA:45I) has a current EV-to-FCF of 17.73. The stock's GF Value™ is €9.53, compared to a current price of €10.20 — trading 7% above its estimated fair value. The current EV-to-FCF is 17.73, which is 29% below median its 10-year median of 24.88 and 148% above the Banks industry median of 7.15. First Northwest Bancorp's overall GF Score™ is 56/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For First Northwest Bancorp (FRA:45I), the current EV-to-FCF is 17.73 as of Aug. 01, 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 (FRA:45I) Overvalued in 2026?
Based on GuruFocus' analysis, First Northwest Bancorp stock appears to be overvalued.
The current stock price of €10.20 is trading 7% above its estimated GF Value™ of €9.53.
Key valuation signals for FRA:45I:
EV-to-FCF: 17.73 (29% below median its 10-year median of 24.88)
GF Value™: €9.53 vs. price of €10.20 (7% above fair value)
Industry Position: 148% above the Banks median (#943 of 1191)
No single metric tells the full story. See the FRA:45I 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.
56GF Score
Get the complete analysis for FRA:45I
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:45I has been successfully added to your 
