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Analysis First Financial Northwest Inc (FFNW)

6/3/2024

Analysis First Financial Northwest Inc (FFNW)

Analysis of First Financial Northwest Inc (FFNW)

First Financial Northwest Inc (FFNW) has been showing some positive signs in recent trading sessions. The stock price has been gradually increasing, with the price closing at $21.48 on the most recent trading day.

Key technical indicators also suggest a bullish sentiment. The Relative Strength Index (RSI) is above 50, indicating a potential uptrend. The Moving Average Convergence Divergence (MACD) indicator is positive, with the MACD line above the signal line.

In terms of moving averages, the stock price is above the Simple Moving Average (SMA), Exponential Moving Average (EMA), and Weighted Moving Average (WMA), indicating a positive trend.

Overall, based on the technical analysis, FFNW appears to be in a bullish phase, and investors may consider this stock for further evaluation or potential investment.

Earnings

The company's results for the most recent quarter ending on April 30, 2025, have not been provided yet. The previous results were reported on February 27, 2025, through the Transfer Agent. Before that, on January 31, 2025, the results were released after hours. The results for October 31, 2024, were not provided at the time. However, on August 1, 2024, the company reported an earnings per share (EPS) estimate of 1.32.

Main Statystic 🧠

The data provided includes financials, stock statistics, valuation metrics, stock price summary, and dividends and splits information for a specific company.

In terms of financials, the company has strong operating cash flow and levered free cash flow, with a positive current ratio and a high total debt to equity ratio. The profit margin and operating margin are also healthy, indicating efficient operations. The company's fiscal year ends in September 2023, and the most recent quarter reported is March 31, 2024. The company shows good returns on assets and equity.

In terms of stock statistics, there is a low short ratio and a significant percentage of shares held by institutions. The stock has a beta of 1.264 and has been trading within a range between its fifty-two-week low and high.

Valuation metrics show a relatively high PEG ratio and forward PE ratio. The company's market capitalization and enterprise value are substantial, with high price to book and price to sales ratios. The enterprise value to EBITDA and revenue ratios are also notable.

The stock price summary includes moving averages, fifty-two-week low and high prices, and the percentage change over the past year.

Lastly, dividends and splits information shows the company's dividend dates, split history, and dividend yields. The company has a consistent dividend payout ratio and offers a forward annual dividend yield.

Income statement 💸

These are the revenue figures. Here are the conclusions:

1. The company's sales revenue has been increasing steadily over the years, from $274.5 billion in 2020 to $383.3 billion in 2023.
2. Despite the increase in sales, the net income has also shown a positive trend, rising from $57.4 billion in 2020 to $97 billion in 2023.
3. The company's EBITDA has also been increasing, indicating improved operational efficiency and profitability.
4. The basic and diluted earnings per share (EPS) have remained relatively stable over the years.
5. The company has been able to manage its operating expenses effectively, as seen in the consistent growth in operating income.
6. Overall, the financial performance of the company seems to be on a positive trajectory, with increasing revenues and profitability.

Balance Sheet

These are balance sheets. Here are the conclusions:

1. The total assets have been increasing over the years, reaching $365,725,000,000 in 2018.
2. Current assets fluctuate, with the highest value in 2019 at $162,819,000,000.
3. Non-current assets have been increasing steadily, with the highest value in 2019 at $175,697,000,000.
4. Total liabilities have also been increasing, reaching $255,355,000,000 in 2018.
5. Shareholders' equity has been increasing over the years, with the highest value in 2018 at $107,147,000,000.

Cash Flow 💶

Based on the cash flow data provided, we can draw the following conclusions:

1. The company's free cash flow has been fluctuating over the years, with a significant increase in 2022 compared to 2021 and 2020.
2. The company has been consistently paying interest and income taxes, with varying amounts each year.
3. The end cash position has also been fluctuating, showing a decreasing trend from 2021 to 2023.
4. Financing activities have had a significant impact on the cash flow, with large amounts being used for common stock repurchase and long-term debt issuance.
5. Investing activities have also played a role in the cash flow, with significant amounts being used for the sale and purchase of investments.
6. Operating activities have generated positive cash flow each year, with net income being a major contributor along with depreciation and stock-based compensation.

Overall, the company's cash flow statement reflects a mix of operational, investing, and financing activities that have influenced its financial position over the years.

Earnings estimate

The analysts' estimates for future quarterly and annual earnings per share are as follows:

1. For the current quarter ending on June 30, 2024:
- Average Estimate: $1.23
- Low Estimate: $1.18
- High Estimate: $1.26
- Number of Analysts: 27
- Year Ago EPS: $1.17

2. For the next quarter ending on September 30, 2024:
- Average Estimate: $1.42
- Low Estimate: $1.33
- High Estimate: $1.51
- Number of Analysts: 26
- Year Ago EPS: $1.35

3. For the current year ending on September 30, 2024:
- Average Estimate: $6.10
- Low Estimate: $5.95
- High Estimate: $6.41
- Number of Analysts: 40
- Year Ago EPS: $5.67

4. For the next year ending on September 30, 2025:
- Average Estimate: $6.69
- Low Estimate: $5.92
- High Estimate: $7.31
- Number of Analysts: 40
- Year Ago EPS: $6.10

Based on these estimates, we can see a generally positive trend in expected earnings per share both for the upcoming quarters and the next year compared to the previous year. It indicates growth and confidence from analysts in the company's performance.

Revenue estimate

Based on the analysts' estimates for the future quarterly and annual sales of the company, we can draw the following conclusions:

1. For the current quarter ending on June 30, 2024, the average sales estimate is $77,545,400,000, with a sales growth of 2% compared to the same quarter last year. The number of analysts providing estimates is 25.

2. For the next quarter ending on September 30, 2024, the average sales estimate is $85,501,800,000, with a sales growth of 3% compared to the same quarter last year. The number of analysts providing estimates is 25.

3. For the current fiscal year ending on September 30, 2024, the average sales estimate is $357,772,000,000, with a sales growth of 1% compared to the previous fiscal year. The number of analysts providing estimates is 38.

4. For the next fiscal year ending on September 30, 2025, the average sales estimate is $380,772,000,000, with a sales growth of 6% compared to the current fiscal year. The number of analysts providing estimates is 38.

These estimates suggest a moderate growth trend in both quarterly and annual sales for the company, with slightly higher growth expected in the next fiscal year compared to the current one.

Growth estimates

Based on the consensus estimates provided by analysts, we can draw the following conclusions regarding the growth rate of the company for different periods:

1. Current Quarter: The estimated growth rate for the current quarter is 5.1%.
2. Next Quarter: The estimated growth rate for the next quarter is 5.2%.
3. Current Year: The estimated growth rate for the current year is 7.6%.
4. Next Year: The estimated growth rate for the next year is 9.7%.
5. Past 5 Years (per annum): The average annual growth rate for the past 5 years is 20.1%.
6. Next 5 Years (per annum): The estimated average annual growth rate for the next 5 years is 9.7%.

These estimates suggest that the company has been experiencing strong growth in the past, but analysts expect the growth rate to moderate slightly in the coming years, although it is still expected to be robust.

Price target

The analysts' forecast for the future price of the security is as follows:
- Low: $164
- High: $275
- Median: $201.43
- Average: $204.58
- Current price: $192.25

Based on these forecasts, it appears that the analysts are generally optimistic about the future price of the security, with a median forecast above the current price. However, there is a wide range of forecasts, from a low of $164 to a high of $275, indicating some uncertainty in the market.

MACD of FFNW

This is not investment advice. Remember to verify the information provided here.

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Contacts

Telephone number

+48 32 700 81 66

Email address

[email protected]

Company information

Honey Payment Group S.A. at Al. Aleje Jerozolimskie 65 / 79, 00-697 Warsaw, Poland, Register number KRS 0000335507, NIP 5252859204, REGON 388760204. Honey Payment Group is listed on the Warsaw Stock Exchange (WSE) under the ticker symbol HPG. Link