Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
FIRST NORTHWEST BANCORP (FNWB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$10.10-2.23%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
0.50 → 0.33 EPS · FY ending Dec 31, 2027 · 1 analyst
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 1 to 1; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for FNWB yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Increase cash from operating activities to positive levels | Cash from operations turned positive from -$21.7M to $0.9M. | Intact | Cash from operating activities falls below $885,000 in any quarter after 2026-Q1 | Cash from operations: $1.492M FY2026-Q2; GAAP. Published target: Cash from operating activities >= $885,000 in 2026-Q1. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Aug 6, 20261,492,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Next earnings date unavailable
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
This is a smaller-cap bank recovery story, not a proven durable compounder. The multi-year view is still uncertain: customer deposits and lower brokered deposits show progress, but profitability remains weak and the thesis state is watch.
FNWB is described as cheap versus peers, but the expectations gap is negative, suggesting current expectations are not especially supportive. The valuation measure has fallen recently, while fragility is rated low; confidence in the valuation assessment is medium.
Near term, an earnings beat on October 29 is positive, but recent financial performance remains weak and earnings have been erratic. Management has emphasized efficiency and profitability, yet expenses rose and the efficiency ratio worsened in the latest quarter; customer deposits grew and brokered deposits declined, supporting a stronger funding mix.
The multi-year thesis depends on whether management can turn deposit and funding progress into better operating efficiency and profitability. Near term, a guidance cut or rate cuts would be unfavorable, while continued earnings strength among sector bellwethers could support sector momentum; a September litigation filing is also a risk to monitor.
Over the next 1 to 3 years, FNWB’s setup rests on a credible funding improvement translating into sustained earnings progress, which is not yet established. Recent positive earnings news is balanced by weak fundamentals, elevated risk, and medium confidence. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Maintain and grow core banking franchise momentum | A supporting condition in FIRST NORTHWEST BANCORP's published investment case. The stated target is Stabilize or grow core banking revenue next 4 quarters. | Intact | Core banking revenue declines below prior year levels next 4 quarters | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Restore positive operating income and net income | Operating income rose from -$10.2M to -$0.3M in one year. | Improving | Operating income falls below -$314,000 in any quarter after 2026-Q1 | Operating income: $325,000 FY2026-Q2; GAAP. Published target: Operating income >= -$314,000 in 2026-Q1. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Aug 6, 2026325,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$0.75 → $0.33 · observed estimates
$0.07B → $0.07B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $0.75 | $74,300,000 | 1 / 1 |
| 2026-07-25 | $0.75 | $74,300,000 | 2 / 2 |
| 2026-07-26 | $0.75 | $74,300,000 | 2 / 2 |
| 2026-07-27 | $0.75 | $74,300,000 | 1 / 1 |
| 2026-07-28 | $0.75 | $74,300,000 | 1 / 1 |
| 2026-07-29 | $0.75 | $74,300,000 | 2 / 2 |
| 2026-07-30 | $0.75 | $74,300,000 | 2 / 2 |
| 2026-07-31 | $0.90 | $72,250,000 | 1 / 2 |
| 2026-08-01 | $0.65 | $72,250,000 | 1 / 1 |
| 2026-08-02 | $0.65 | $72,250,000 | 2 / 2 |
| 2026-08-03 | $0.65 | $72,250,000 | 2 / 2 |
| 2026-08-04 | $0.65 | $72,250,000 | 2 / 2 |
| 2026-08-05 | $0.65 | $72,250,000 | 2 / 2 |
| 2026-08-06 | $0.65 | $72,250,000 | 2 / 2 |
| 2026-08-07 | $0.65 | $72,250,000 | 1 / 1 |
| 2026-08-08 | $0.50 | $70,400,000 | 2 / 2 |
| 2026-08-09 | $0.50 | $70,400,000 | 2 / 2 |
| 2026-08-10 | $0.50 | $70,400,000 | 2 / 2 |
| 2026-08-11 | $0.50 | $70,400,000 | 2 / 2 |
| 2026-08-12 | $0.50 | $70,400,000 | 2 / 2 |
| 2026-08-13 | $0.50 | $70,400,000 | 2 / 2 |
| 2026-08-14 | $0.65 | $72,250,000 | 1 / 1 |
| 2026-08-15 | $0.65 | $72,250,000 | 1 / 1 |
| 2026-08-16 | $0.65 | $72,250,000 | 1 / 1 |
| 2026-08-17 | $0.65 | $72,250,000 | 1 / 1 |
| 2026-08-18 | $0.65 | $72,250,000 | 1 / 1 |
| 2026-08-19 | $0.65 | $72,250,000 | 1 / 1 |
| 2026-08-20 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-08-21 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-08-22 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-08-23 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-08-24 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-08-25 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-08-26 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-08-27 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-08-28 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-08-29 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-08-30 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-08-31 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-01 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-02 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-03 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-04 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-05 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-06 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-07 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-08 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-09 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-10 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-11 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-12 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-13 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-14 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-15 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-16 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-17 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-18 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-19 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-20 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-21 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-22 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-23 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-24 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-25 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-26 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-27 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-28 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-29 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-09-30 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-01 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-02 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-03 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-04 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-05 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-06 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-07 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-08 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-09 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-10 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-11 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-12 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-13 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-14 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-15 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-16 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-17 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-18 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-19 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-20 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-21 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-22 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-23 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-24 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-25 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-26 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-27 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-28 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-29 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-30 | $0.50 | $70,400,000 | 1 / 1 |
| 2026-10-31 | $0.40 | $69,050,000 | 1 / 1 |
| 2026-11-01 | $0.40 | $69,050,000 | 1 / 1 |
| 2026-11-02 | $0.40 | $69,050,000 | 1 / 1 |
| 2026-11-03 | $0.33 | $68,450,000 | 1 / 1 |
| 2026-11-04 | $0.33 | $68,450,000 | 1 / 1 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 2 Buy / Strong Buy · 0 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 1 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.