First Northwest Bancorp (FRA:45I) Moat Score: 3/10 (As of Jul. 11, 2026)


FRA:45I First Northwest Bancorp FRA:45I
57 GF Score
Price €9.45
GF Value €9.54
! 6 Warning Signs
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What is First Northwest Bancorp Moat Score?

First Northwest Bancorp FRA:45I -0.53% 57 Moat Score is 3 as of Jul. 11, 2026. GuruFocus rates FRA:45I with a GF Score™ of 57/100 and a GF Value™ of €9.54. The stock has 6 warning signs investors should review. Among 1,608 Banks companies, First Northwest Bancorp ranks better than 74.5% on this metric.

First Northwest Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

First Northwest Bancorp has No Moat: First Northwest Bancorp operates in a highly competitive banking sector with limited differentiation. It lacks significant customer switching costs, strong brand strength, or durable cost advantages, resulting in very weak competitive advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes First Northwest Bancorp might have No Moat - Very weak/transient advantages.

First Northwest Bancorp  (FRA:45I) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

First Northwest Bancorp Moat Score Related Terms

FRA:45I vs FDVA, STBK, USMT: Moat Score Comparison

For the Banks - Regional subindustry, First Northwest Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, First Northwest Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where First Northwest Bancorp's Moat Score falls into.


FRA:45I
57GF Score
First Northwest Bancorp FRA:45I
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
First Northwest Bancorp (FRA:45I) has a Moat Score of 3 as of Jul. 11, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, First Northwest Bancorp ranks #410 out of 1608 companies in the Banks industry, placing it in the top 25.5%.
Is First Northwest Bancorp's Moat Score too high?
First Northwest Bancorp's current Moat Score is 3. Based on the distribution chart, First Northwest Bancorp ranks #410 out of 1608 companies in the Banks industry, which is above the industry midpoint. Overall, First Northwest Bancorp has a GF Score™ of 57/100, reflecting its overall financial health beyond just this single metric.
How does First Northwest Bancorp's Moat Score compare to FDVA and STBK?
According to the Banks industry distribution chart, First Northwest Bancorp ranks #410 out of 1608 companies for Moat Score. This puts First Northwest Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. First Northwest Bancorp's current Moat Score is 3. 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 Moat Score of 3. The stock's GF Value™ is €9.54, compared to a current price of €9.45 — trading 0.9% below its estimated fair value. The current Moat Score is 3. First Northwest Bancorp's overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For First Northwest Bancorp (FRA:45I), the current Moat Score is 3 as of Jul. 11, 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 undervalued. The current stock price of €9.45 is trading 0.9% below its estimated GF Value™ of €9.54.

Key valuation signals for FRA:45I:

  • Moat Score: 3
  • GF Value™: €9.54 vs. price of €9.45 (0.9% below fair value)
  • GF Score™: 57/100 with 6 warning signs

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 Business Description

Other Exchanges FNWB:USA
Address 105 West 8th Street, Port Angeles, WA, USA, 98362
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€9.45
Price
€9.54
GF Value