First Northwest Bancorp (FRA:45I) Net Debt Paydown Yield % : 6.16% (As of Jul. 22, 2026)

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FRA:45I First Northwest Bancorp FRA:45I
56 GF Score
Price €10.50
GF Value €9.38
! 7 Warning Signs
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What is First Northwest Bancorp Net Debt Paydown Yield %?

First Northwest Bancorp FRA:45I +0.96% 56 Net Debt Paydown Yield % is 6.16% as of Jul. 22, 2026. GuruFocus rates FRA:45I with a GF Score™ of 56/100 and a GF Value™ of €9.38. The stock has 7 warning signs investors should review. Among 1,414 Banks companies, First Northwest Bancorp ranks better than 78.5% on this metric.

Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt. As of today, First Northwest Bancorp's Net Debt Paydown Yield % was 6.16%.


First Northwest Bancorp  (FRA:45I) Net Debt Paydown Yield % Explanation

Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.

In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.

We calculating the TTM average debt by adding up the total debt, calculated by the sum of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation, in the trailing twelve months(TTM) divided by the counts of the total debt, accoring to the company's report frequency.


First Northwest Bancorp Net Debt Paydown Yield % Related Terms


First Northwest Bancorp Net Debt Paydown Yield % Historical Data

* Premium members only.

The historical data trend for First Northwest Bancorp's Net Debt Paydown Yield % can be seen below:

* 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 Net Debt Paydown Yield % Chart

First Northwest Bancorp Annual Data
Trend Jun16 Jun17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Debt Paydown Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.51 -96.30 -48.83 -18.30 26.85

First Northwest Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Debt Paydown Yield % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -7.99 -30.68 13.50 26.85 8.56

FRA:45I vs FDVA, STBK, USMT: Net Debt Paydown Yield % Comparison

For the Banks - Regional subindustry, First Northwest Bancorp's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Banks Industry

For the Banks industry and Financial Services sector, First Northwest Bancorp's Net Debt Paydown Yield % distribution charts can be found below:

* The bar in red indicates where First Northwest Bancorp's Net Debt Paydown Yield % falls into.


FRA:45I
56GF Score
First Northwest Bancorp FRA:45I
Net Debt Paydown Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
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First Northwest Bancorp Net Debt Paydown Yield % Calculation

First Northwest Bancorp's Net Debt Paydown Yield % for the quarter that ended in Mar. 2026 is calculated as:

Net Debt Paydown Yield %
=( TTM Average Debt   (1-Year Ago))-TTM Average Debt )/Market Cap
=( 309.16-280.61 )/68.86775
=41.45 %

* 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.

* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.

What does a Net Debt Paydown Yield % of 6.16% mean?
First Northwest Bancorp (FRA:45I) has a Net Debt Paydown Yield % of 6.16% as of Jul. 22, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on First Northwest Bancorp and its competitors. According to the industry distribution chart, First Northwest Bancorp ranks #304 out of 1414 companies in the Banks industry, placing it in the top 21.5%.
Is First Northwest Bancorp's Net Debt Paydown Yield % too high?
First Northwest Bancorp's current Net Debt Paydown Yield % is 6.16%. Based on the distribution chart, First Northwest Bancorp ranks #304 out of 1414 companies in the Banks industry, which is in the top quartile — a strong position 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 Net Debt Paydown Yield % compare to FDVA and STBK?
According to the Banks industry distribution chart, First Northwest Bancorp ranks #304 out of 1414 companies for Net Debt Paydown Yield %. This places First Northwest Bancorp in the top 22% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on First Northwest Bancorp and its competitors. First Northwest Bancorp's current Net Debt Paydown Yield % is 6.16%. 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 Net Debt Paydown Yield % of 6.16%. The stock's GF Value™ is €9.38, compared to a current price of €10.50 — trading 11.9% above its estimated fair value. The current Net Debt Paydown Yield % is 6.16%. 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 Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For First Northwest Bancorp (FRA:45I), the current Net Debt Paydown Yield % is 6.16% as of Jul. 22, 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 €10.50 is trading 11.9% above its estimated GF Value™ of €9.38.

Key valuation signals for FRA:45I:

  • Net Debt Paydown Yield %: 6.16%
  • GF Value™: €9.38 vs. price of €10.50 (11.9% above fair value)
  • GF Score™: 56/100 with 7 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.
56GF Score

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Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€10.50
Price
€9.38
GF Value