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BSBK (56) WSBK (53) SRBK (55) HYNE (56) ⌘ Pro Terminal β†’

First Northwest Bancorp (FNWB) Options Positioning, Max Pain & Unusual Sweeps

$10.30 +0.68% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $10.29

First Northwest Bancorp (FNWB) carries a Roarable Rating of E (Strong Sell) with 32/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE E β€’ RED ALERT Cap $97.3M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is FNWB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, First Northwest Bancorp (NASDAQ: FNWB) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 32/100 at a spot price of $10.30 (+0.68% 1D, market cap $97.3M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 3/20. Across 1097 tracked Financials issuers, FNWB ranks #1006 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does FNWB compare to BSBK and WSBK in the Financials sector?
β–Ό

Within the Financials sector (Banks), FNWB carries a Roarable E (32/100 RQD), trailing P/E of N/A, gross margin of β€”, and ROIC of -2.7%. By comparison, BSBK (Bogota Financial Corp.) holds a D+ grade (56/100 RQD, P/E 56.3x, ROIC 1.5%, cap $116.5M) and WSBK (Winchester Bancorp Inc.) posts a D+ grade (53/100 RQD, P/E N/A, ROIC -0.7%, cap $124.0M). Among the 5-stock peer group, SRBK leads on earnings multiple (29.3x) while SRBK leads on capital efficiency (2.7% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FNWB?
β–Ό

Per FNWB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001556727), First Northwest Bancorp generated $885.3M in revenue (-5.6% YoY), -$4.2M in net income, and -$2.8M in free cash flow against $2.11B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $10.29 (-0.07%)🧬 Dilution Drag (+2.48% YoY Shares)βš™οΈ Cash Engine: 3/20 (E) β€’ 0% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record Warning: Scores below 50 (32/100 Β· E) historically underperformed SPY in 71% of rolling 90-day windows (-9.2% avg 90D alpha vs SPY β€’ 29.0% hit rate).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERRED ALERT β€’ E
025507510032
3-of-3 Quant Analysts Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw E Β· Rk D-
Cash (3)Whales (10)SEC (10)Macro (6)CEO (3)
Each axis scored 0–20
12M PRICE TARGET CONE-11.7% Base Target
$13 Bull$9 Base$7 Bear
πŸ“¬ FREE FNWB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for FNWB)Realized 20D OHLCV Swing Band: Β±6.1%
Deterministic 5-Pillar Attribution (32/100 Composite)
πŸ” WHY FNWB SCORES 32/100 (E) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Whale & Options Positioning+10/20 pts (31% of score)

20D Institutional Volume Accumulation (Β±6.1% realized swing band)

β–² #2 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (31% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 2/9

β–Ό #1 Drag / Risk Factor: Insider Conviction & Share Dilution4/20 pts (-16 pt drag)

Dilution Drag (+2.48% YoY Shares) & executive Form 4 sales trim 16 pts from alignment

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
24
Grade E$9.84-1.4% Next Q
Q2 (-2Q)
27
Grade E$9.70+0.6% Next Q
Q3 (-1Q)
29
Grade E$9.76+5.5% Next Q
Current
32
Grade E$10.30-9.2% Hist 90D Ξ±
Trajectory: E (24) β†’ E (32)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

βš”οΈ Adversarial Opposing Case: What Could Spark a FNWB Turnaround Squeeze

Gideon Ashmere Forensic Desk β†’

While FNWB currently carries a cautious 32/100 (E) rating due to Insider Conviction & Share Dilution (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

πŸš€ Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

πŸš€ Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($10.21) and Max Pain ($10.82) forces dealer call-delta covering toward $13.15.

πŸš€ Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+2.48% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FNWBβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œFNWB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 32%NO 68%Trade / Inspect Odds β†’
CALL VS. PUT WHALE SHARE
β€” (No Active Options Snapshot)
Put/Call Ratio: β€” (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
β€” (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
Β±6.1%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (FNWB)

β€” (No Active Options Snapshot) β€” No unusual CBOE strike concentration anomalies recorded in the current database snapshot for FNWB.

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Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FNWB)

  • βœ“Walkthrough of FNWB's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
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FNWB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.83%⚑ TESTING RESISTANCE
2026-11-03O $10.31H $10.31L $10.23C $10.30VOL 14.6K
RES: $10.41SUP: $9.34SMA50: $10.21SMA200: $10.24
$12.77$11.74$10.71$9.69$8.66RES $10.41SUP $9.34$10.302026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FNWB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ FNWB Butterfly Map β†’ + Track FNWB β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. -5.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on FNWB today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for FNWB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FNWB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FNWB)

Financials Rank #1006 of 1097 βš”οΈ BSBK vs FNWB Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (FNWB vs. BSBK, WSBK, SRBK, HYNE)

Industry: Banks (24 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, First Northwest Bancorp (FNWB) ranks #1006 by composite RQD confidence (32/100, grade E) and #961 by equity capitalization ($97.3M). Within this direct 5-issuer industry benchmark cohort, SRBK leads on earnings valuation at 29.3x trailing P/E, while SRBK leads on capital efficiency and profitability with 2.7% ROIC and β€” gross margin. BSBK currently holds the highest overall quantitative score in the immediate peer group at 56/100 (D+) compared with FNWB at 32/100 (E).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
FNWB ACTIVE
First Northwest Bancorp
E 32/100 β€” β€” -2.7% +0.68% $97.3M Benchmark Subject
BSBK
Bogota Financial Corp.
D+ 56/100 56.3x β€” 1.5% +1.64% $116.5M /bsbk-vs-fnwb β†’
WSBK
Winchester Bancorp Inc.
D+ 53/100 β€” β€” -0.7% +0.75% $124.0M /wsbk-vs-fnwb β†’
SRBK
SR Bancorp Inc.
D+ 55/100 29.3x β€” 2.7% +2.40% $149.0M /srbk-vs-fnwb β†’
HYNE
Hoyne Bancorp Inc.
D+ 56/100 β€” β€” 0.1% +0.69% $152.2M /hyne-vs-fnwb β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001556727 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Northwest Bancorp (FNWB) reported GAAP revenue of $885.3M (-5.6% vs. FY2024 revenue of $937.4M , and +1203.4% cumulative change since FY2023) , GAAP net income of -$4.2M, operating cash flow of -$2.8M, and free cash flow of -$2.8M (-116.3% YoY). On the balance sheet, FNWB closed FY2025 with $2.11B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 2/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $885.3M -$4.2M -$2.8M -$2.8M $2.11B β€”
FY2024 (FY) 2024-12-31 $937.4M -$6.6M $16.9M $16.9M $2.23B β€”
FY2023 (FY) 2023-12-31 $67.9M $2.3M $17.9M $17.9M β€” β€”

3. FNWB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FNWB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, First Northwest Bancorp (NASDAQ: FNWB) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 32/100 at a spot price of $10.30 (+0.68% 1D, market cap $97.3M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 3/20. Across 1097 tracked Financials issuers, FNWB ranks #1006 in composite RQD confidence.

How does FNWB compare to BSBK and WSBK in the Financials sector?

Within the Financials sector (Banks), FNWB carries a Roarable E (32/100 RQD), trailing P/E of N/A, gross margin of β€”, and ROIC of -2.7%. By comparison, BSBK (Bogota Financial Corp.) holds a D+ grade (56/100 RQD, P/E 56.3x, ROIC 1.5%, cap $116.5M) and WSBK (Winchester Bancorp Inc.) posts a D+ grade (53/100 RQD, P/E N/A, ROIC -0.7%, cap $124.0M). Among the 5-stock peer group, SRBK leads on earnings multiple (29.3x) while SRBK leads on capital efficiency (2.7% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FNWB?

Per FNWB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001556727), First Northwest Bancorp generated $885.3M in revenue (-5.6% YoY), -$4.2M in net income, and -$2.8M in free cash flow against $2.11B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FNWB trading relative to its 50-day, 200-day, and 52-week technical levels?

FNWB last traded at $10.30 (+0.68% on volume of 15,773 shares), positioning the stock +0.88% above its 50-day simple moving average ($10.21) and +0.59% above its 200-day simple moving average ($10.24). Across its 52-week range of $8.44 to $12.52, FNWB sits at the 45.6% percentile with a 14-day RSI of 57.8 (BULLISH MOMENTUM) and an implied next-earnings move of Β±6.1% ($9.67 to $10.93).

Direct Sub-Reports: FNWB RQD Cockpit FNWB 12M Forecast FNWB Earnings & Move FNWB Dividends & DRIP FNWB Insiders & 13F FNWB Whale Options FNWB Profit Sankey FNWB News & Why
ROARABLE RATING BRIEF β€’ RQD 32/100 (E) βœ“ SEC XBRL & RQD VERIFIED

FNWB β€” First Northwest Bancorp: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

First Northwest Bancorp (FNWB) earns a live Roarable RQD composite score of 32/100, corresponding to a E letter grade (Roarable Strong Sell) at a spot price of $10.30 (+0.68% 1D, market capitalization $97.3M).

  • Fundamental Cash Engine (3/20): Anchored by return on invested capital (ROIC) of -2.7%, gross margin of β€”, operating margin of β€”, and free cash flow yield of -2.81%.
  • Whale 13F & Options Flow (10/20) + Insider Conviction (3/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (6/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 2/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

First Northwest Bancorp (FNWB) is a NASDAQ-listed issuer in the Financials sector, Banks industry..1B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), First Northwest Bancorp (FNWB) reported $885.3M in annual revenue (up from $937.4M in FY2024, -5.6% YoY) and -$4.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($67.9M revenue, $2.3M net income) through FY2025, FNWB scaled operating cash flow to -$2.8M and free cash flow to -$2.8M, backed by $2.11B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (E β€’ RQD 32/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of -2.81% and institutional whale pillar of 10/20. With Fundamental Cash Engine at 3/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $8.44 – $12.52 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Sector correlations and 2nd-order bottlenecks are β€” The investor-relevant implication is that the wire flow is the only visible ripple channel: a Q3 earnings beat headline sits alongside Q3 loss and credit-cost headlines, which points to mixed signals on credit quality that a reader should track in subsequent filings.

  • Key Question #1: Can FNWB sustain or expand its β€” operating margin and -2.7% ROIC against Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $885.3M and free cash flow of -$2.8M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is FNWB's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

FNWB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for First Northwest Bancorp (FNWB) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to FNWB Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FNWB Bull vs. Bear Conversation Board β€” What's Your Call at $10.30?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FNWB 🐻 33% BEARISH CONVICTION
1. Pick Your Side on FNWB:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER β€’ Cross-Asset Macro Desk πŸ‚ BULLISH 🎯 Target: $12.99 (+27.0%)
πŸ“Œ Pinned Debate

The stock trades near the low end of its 52-week range with a 1.34% dividend yield and a 0.5 Debt/Equity ratio, offering a modest incom

The stock trades near the low end of its 52-week range with a 1.34% dividend yield and a 0.5 Debt/Equity ratio, offering a modest income and balance-sheet cushion.. When you look under the hood at FNWB, Fundamental Cash Engine is 3/20 with 0.0% gross margins and -2.7% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (10/20) has been quietly accumulating below $12.52. My 12M target is $12.99.

ArenaChamp_24 πŸ‚ BULL

@FadeTheHype Fair point on current EV/EBITDA multiples, but you're ignoring the forward operating leverage in Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

FA FadeTheHype RQD DEBATE OPENER β€’ Contrarian Tape Reader 🐻 BEARISH 🎯 Target: $8.80 (-14.0%)
Spot @ $10.23

ROIC of -2.7%, a negative FCF yield of -2.81%, a Piotroski F-Score of 2 out of 9, and a RED credit-cost loss headline point to weak cas

Careful chasing FNWB at $10.23. ROIC of -2.7%, a negative FCF yield of -2.81%, a Piotroski F-Score of 2 out of 9, and a RED credit-cost loss headline point to weak cash generation and deteriorating fundamentals.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $8.80 on multiple compression.

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