* 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.
FRA:45I vs JBTC, FABP, UBCP: OCF Margin % Comparison
For the Banks - Regional subindustry, First Northwest Bancorp's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Northwest Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where First Northwest Bancorp's OCF Margin % falls into.
* 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 OCF Margin % of 5.38% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First Northwest Bancorp and its competitors. This is 78% below median its historical median of 24.74. According to the industry distribution chart, First Northwest Bancorp ranks #756 out of 1505 companies in the Banks industry, placing it in the top 50.2%.
Is First Northwest Bancorp's OCF Margin % too high?
First Northwest Bancorp's current OCF Margin % of 5.38% is 78% below median its 10-year median of 24.74. The Banks industry median OCF Margin % is 29.44. First Northwest Bancorp's value of 5.38% is 81.7% below this industry median. Based on the distribution chart, First Northwest Bancorp ranks #756 out of 1505 companies in the Banks industry, which is below 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 OCF Margin % compare to JBTC and FABP?
According to the Banks industry distribution chart, First Northwest Bancorp ranks #756 out of 1505 companies for OCF Margin %. This places First Northwest Bancorp in the lower half of its industry. The industry median OCF Margin % is 29.44. First Northwest Bancorp's value of 5.38% is 81.7% below this benchmark. While the company's 10-year median is 24.74 vs. the industry median of 29.44, First Northwest Bancorp has consistently been below 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Northwest Bancorp's current OCF Margin % of 5.38% is 81.7% below 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First Northwest Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Northwest Bancorp's current OCF Margin % is 5.38%, which is 78% below median its own 10-year median of 24.74. 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 OCF Margin % of 5.38%. The stock's GF Value™ is €8.22, compared to a current price of €7.75 — trading 5.7% below its estimated fair value. The current OCF Margin % is 5.38%, which is 78% below median its 10-year median of 24.74 and 81.7% below the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For First Northwest Bancorp (FRA:45I), the current OCF Margin % is 5.38% as of Mar. 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 €7.75 is trading 5.7% below its estimated GF Value™ of €8.22.
Key valuation signals for FRA:45I:
OCF Margin %: 5.38% (78% below median its 10-year median of 24.74)
GF Value™: €8.22 vs. price of €7.75 (5.7% below fair value)
Industry Position: 81.7% below the Banks median (#756 of 1505)
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.
57GF Score
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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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