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First Northwest Bancorp (FNWB) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · First Northwest Bancorp (FNWB) Q3 2026 earnings results →

Q3 2026 Revenue down 0% year over year to $16.5M · 5¢ of every $1 of revenue lost · operating margin -9.5%

First Northwest Bancorp made $16.5M in Q3 2026 (-0.5% Y/Y): Net interest income $14.3M, Noninterest income $2.2M. Operating margin -9.5%, net loss $743K. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.

Revenue$16.5M
Year over year-0.5%
Operating margin-9.5%
Net earnings−$743K
Operating cash flow−$6.8M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $16.5M in Q3 2026, roughly flat year over year and up 2% from the previous quarter. Net interest income was the largest line at 87% of revenue. Net interest income lost $251K year over year (down 2%), 318% of the total change.

Operating costs exceeded revenue by $1.6M, an operating margin of -9.5%. Total costs grew 8% against flat revenue. The quarter ended with a net loss of $743K, after a profit of $308K the previous quarter.

Operating cash flow was −$6.8M. Non-cash charges added back $311K of depreciation and amortization and $181K of share-based compensation. Working capital and other items used $6.6M.

Quarterly history

QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 5, 2026$16.5M-0.5%-9.5%−$743K−$6.8M

Charts

First Northwest Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026First Northwest Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026Other financing$34.8MCash drawn (+) / kept (−)−$24.5MOther investing−$14.8MOperating cash flow$6.0MNet borrowing (+) / repaid (−)−$1.5MDividends−$1K
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
First Northwest Bancorp: profit against cash, quarter by quarterFirst Northwest Bancorp: profit against cash, quarter by quarterNet incomeOperating cash flow−$2.8M$12.5MQ4 2024−$9.0M−$21.7MQ1 2025$3.7M$4.0MQ2 2025$802K$4.6MQ3 2025$382K$10.4MQ4 2025$6K$885KQ1 2026$308K$1.5MQ2 2026−$743K−$6.8MQ3 2026
Latest (Q3 2026): Net income −$743K, Operating cash flow −$6.8M.
First Northwest Bancorp: diluted shares by fiscal yearFirst Northwest Bancorp: diluted shares by fiscal year9MFY20209MFY20219MFY20229MFY20239MFY20249MFY2025
-6.5% since FY2020: buybacks shrank the count.
First Northwest Bancorp in its industry: growth against margin (17 companies, SIC 6036)First Northwest Bancorp in its industry: growth against margin (17 companies, SIC 6036)revenue growth, year over year →↑ operating marginmedian +11%median 32%FLGBBTHFWANBBKTCBXSMBCHBCPNARAAVBCPBFSGCBCFBLARBKBECBKWSBKPFSBFNWB (0%, -10%)
Savings Institutions, Not Federally Chartered; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About First Northwest Bancorp

First Northwest, a Washington corporation, is a bank holding company and a financial holding company. First Northwest is engaged in banking activities through its wholly owned subsidiary, First Fed, as well as certain non-banking financial activities. Non-banking investments include several limited partnership investments. The Company's business activities are generally focused on passive investment activities and oversight of the activities of First Fed. First Northwest is subject to regulation by the Board of Governors of the Federal Reserve System ("Federal Reserve"). A financial holding company is a bank holding company that is permitted to engage in specified types of non-banking financial services. First Fed is examined and regulated by the Washington State Department of Financial Institutions, Division of Banks ("DFI") and by the Federal Deposit Insurance Corporation ("FDIC").

In its own words, from its 10-K, filed Mar 12, 2026.

First Northwest Bancorp against its Savings Institutions, Not Federally Chartered peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -0.5% against the peers' median +6%. Operating margin: -9.5% against the peers' median 31.8%.

CompanyQuarterRevenueY/YOp. margin
FNWB First Northwest BancorpQ3 2026$16.5M-0.5%-9.5%
FLG Flagstar Bank, National AssociationQ3 2026$530M+2%-1.9%
BBT Beacon FinancialQ2 2025$114M+5%36.5%
HFWA Heritage FinancialQ3 2026$86.5M+32%25.8%
NBBK NB BancorpQ3 2026$76.5M+48%37.9%
TCBX Third Coast BancsharesQ3 2026$65.9M+21%36.1%
SMBC Southern Missouri BancorpQ1 FY27$53.1M+8%44.4%
HBCP Home BancorpQ3 2026$40.1M+6%31.8%
NARA Narragansett BancorpQ2 2026$35.3M+6%11.2%

Source: First Northwest Bancorp 10-Q on SEC EDGAR · CIK 1556727 · Savings Institutions, Not Federally Chartered

Guidance and outlook

First Northwest Bancorp: what its forward-looking statements are about (10-Q filed 2026-11-05)First Northwest Bancorp: what its forward-looking statements are about (10-Q filed 2026-11-05)Supply chain2Other2Demand2The economy1Deals1
8 statements; tone +0.12 (−1 all cautious, +1 all confident); 2 hedged.
First Northwest Bancorp: outlook statements against the filing beforeFirst Northwest Bancorp: outlook statements against the filing beforeConfident2Cautious1

13F: who owns FNWB and who is buying

Largest holders of FNWB (13F)Largest holders of FNWB (13F)Fourthstone LLC$10.0MMink Brook Asset Management LLC$4.5MRenaissance Technologies LLC$3.8MVanguard Capital Management LLC$3.6MVanguard Group$3.6MPetiole USA$2.7MDimensional Fund Advisors LP$2.1MBlackRock$1.4MKennedy Capital Management LLC$1.3MGeode Capital Management, LLC$933K
Funds' net buying of FNWB by quarter (13F)Funds' net buying of FNWB by quarter (13F)−$1.2M2024-09−$4.1M2024-12$1.6M2025-03$477K2025-06−$2.4M2025-09−$2.6M2025-12−$4.8M2026-03−$535K2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on FNWB

History

Every quarter: Q3 2026 results

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中文版：First Northwest Bancorp（FNWB）财报

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