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First Northwest Bancorp stock PB Ratio (=0.73) is close to 2-year high of 0.74.
The historical rank and industry rank for First Northwest Bancorp's PB Ratio or its related term are showing as below:
FRA:45I'
s PB Ratio Range Over the Past 10 Years
Min: 0.45 Med: 0.94 Max: 1.3
Current: 0.73
During the past 13 years, First Northwest Bancorp's highest PB Ratio was 1.30. The lowest was 0.45. And the median was 0.94.
FRA:45I's PB Ratio is ranked better than 80.38% of 1514
companies
in the Banks industry
Industry Median: 1.11
vs FRA:45I: 0.73
During the past 12 months, First Northwest Bancorp's average Book Value Per Share Growth Rate was 6.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -0.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -2.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 1.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of First Northwest Bancorp was 32.30% per year. The lowest was -4.90% per year. And the median was 2.60% per year.
Back to Basics: PB Ratio
First Northwest Bancorp (FRA:45I) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, First Northwest Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where First Northwest Bancorp's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
First Northwest Bancorp (FRA:45I) has a PB Ratio of 0.69 as of Jul. 21, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on First Northwest Bancorp and its competitors. This is 27% below median its historical median of 0.94. Over the past decade, First Northwest Bancorp's PB Ratio has ranged from 0.45 to 1.30. According to the industry distribution chart, First Northwest Bancorp ranks #297 out of 1514 companies in the Banks industry, placing it in the top 19.6%.
Is First Northwest Bancorp's PB Ratio too high?
First Northwest Bancorp's current PB Ratio of 0.69 is 27% below median its 10-year median of 0.94. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 1.30. The Banks industry median PB Ratio is 1.11. First Northwest Bancorp's value of 0.69 is 37.8% below this industry median. Based on the distribution chart, First Northwest Bancorp ranks #297 out of 1514 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 PB Ratio compare to FDVA and STBK?
According to the Banks industry distribution chart, First Northwest Bancorp ranks #297 out of 1514 companies for PB Ratio. This places First Northwest Bancorp in the top 20% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.11. First Northwest Bancorp's value of 0.69 is 37.8% below this benchmark. Historically, First Northwest Bancorp's own PB Ratio has ranged from 0.45 to 1.30 over the past decade. While the company's 10-year median is 0.94 vs. the industry median of 1.11, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,514 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Northwest Bancorp's current PB Ratio of 0.69 is 37.8% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on First Northwest Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Northwest Bancorp's current PB Ratio is 0.69, which is 27% below median its own 10-year median of 0.94. 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 PB Ratio of 0.69. The stock's GF Value™ is €9.22, compared to a current price of €10.40 — trading 12.8% above its estimated fair value. The current PB Ratio is 0.69, which is 27% below median its 10-year median of 0.94 and 37.8% below the Banks industry median of 1.11. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For First Northwest Bancorp (FRA:45I), the current PB Ratio is 0.69 as of Jul. 21, 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 €10.40 is trading 12.8% above its estimated GF Value™ of €9.22.
Key valuation signals for FRA:45I:
PB Ratio: 0.69 (27% below median its 10-year median of 0.94)
GF Value™: €9.22 vs. price of €10.40 (12.8% above fair value)
Industry Position: 37.8% below the Banks median (#297 of 1514)
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
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