First Northwest Bancorp (FRA:45I) Scaled Net Operating Assets: 0.19 (As of Mar. 2026)


FRA:45I First Northwest Bancorp FRA:45I
57 GF Score
Price €9.55
GF Value €9.55
! 6 Warning Signs
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What is First Northwest Bancorp Scaled Net Operating Assets?

First Northwest Bancorp FRA:45I -2.05% 57 Scaled Net Operating Assets is 0.19 as of Mar. 2026. GuruFocus rates FRA:45I with a GF Score™ of 57/100 and a GF Value™ of €9.55. The stock has 6 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

First Northwest Bancorp's operating assets for the quarter that ended in Mar. 2026 was €1,748.82 Mil. First Northwest Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was €1,411.74 Mil. First Northwest Bancorp's Total Assets for the quarter that ended in Dec. 2025 was €1,800.14 Mil. Therefore, First Northwest Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.19.

FRA:45I
57GF Score
First Northwest Bancorp FRA:45I
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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First Northwest Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

First Northwest Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1727.452-1388.646)/2131.566
=0.16

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1800.142 - 72.69
=1727.452

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1665.839 - 180.264 - 96.929
=1388.646

First Northwest Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(1748.816-1411.739)/1800.142
=0.19

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1845.428 - 96.612
=1748.816

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1709.653 - 113.237 - 184.677
=1411.739

* 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.

What does a Scaled Net Operating Assets of 0.19 mean?
First Northwest Bancorp (FRA:45I) has a Scaled Net Operating Assets of 0.19 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on First Northwest Bancorp and its competitors.
Is First Northwest Bancorp's Scaled Net Operating Assets too high?
First Northwest Bancorp's current Scaled Net Operating Assets is 0.19. 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 Scaled Net Operating Assets compare to FDVA and STBK?
First Northwest Bancorp's Scaled Net Operating Assets of 0.19 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on First Northwest Bancorp and its competitors. First Northwest Bancorp's current Scaled Net Operating Assets is 0.19. 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 Scaled Net Operating Assets of 0.19. The stock's GF Value™ is €9.55, compared to a current price of €9.55 — trading right at its estimated fair value. The current Scaled Net Operating Assets is 0.19. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For First Northwest Bancorp (FRA:45I), the current Scaled Net Operating Assets is 0.19 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 €9.55 is trading 0% below its estimated GF Value™ of €9.55.

Key valuation signals for FRA:45I:

  • Scaled Net Operating Assets: 0.19
  • GF Value™: €9.55 vs. price of €9.55 (0% 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€9.55
Price
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