AI Stock Memo: FNWB - First Northwest Bancorp - RankAlpha

FNWB

Rating neutralAI Memo

First Northwest Bancorp

As of 2026-01-24/Confidence medium

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Data freshness

AI Memo

As of 2026-01-24 • Model: RankAlpha Sentiment AI

Decision Panel

Action, confidence, horizon, and decision blockers at a glance.

Action

neutral

Confidence

medium

Horizon

—

Key catalyst

Analyst target revisions / consensus update • 2026-04-24

Expected move: -6%

Biggest risk

Material deposit outflows, rapid funding-cost increases, or worsening CRE/office credit force higher reserves or asset sales, compressing earnings and pushing the stock toward the low end of published targets while reducing trading liquidity.

Invalidation

Break below $6 or thesis failure.

What would change my mind?

Sustained NIM expansion, controlled credit costs, modest loan growth and constructive capital actions (e.g., buybacks/dividends) drive higher EPS and multiple expansion, lifting shares toward the upper range of published targets.

Research note

Recommendation

neutral

Confidence

medium

As of

2026-01-24

Base target

$10

p=60%

Bull target

$13

p=20%

Bear target

p=20%

Key bullets

Fast scan of bull, bear, and watch items

BullKey bullets

Quarterly earnings (next reported quarter)
Net interest margin and deposit mix improvement
Sustained NIM expansion, controlled credit costs, modest loan growth and constructive capital actions (e.g., buybacks/dividends) drive higher EPS and multiple expansion, lifting shares toward the upper range of published targets.

BearKey bullets

Core deposit outflows
Low liquidity and sparse analyst coverage
NIM compression

WatchKey bullets

Analyst target revisions / consensus update

Summary

High-level snapshot

Recommendation

neutral

Model confidence

medium

Timeframe

Asset

Equity

Trigger

Base case: $10 (p=60%)

Bull/Bear spread: +15% / -45%

Vs latest close: Bull +15% · Base -6% · Bear -45%

Scenario probabilities

Bull Target: $13 (p=20%)Base Target: $10 (p=60%)Bear Target: $6 (p=20%)

Commentary

Analyst coverage is thin and targets cluster near the current price, implying limited upside absent margin or capital-action catalysts [#SERP-4][#SERP-2]. Market tone is cautious-to-neutral; low share liquidity raises the odds of outsized moves on earnings or deposit headlines [#SERP-10].

As of 2026-01-24 • Updated bi-weekly / post-earningsSource: Internal modelMethodology

Analyst Summary

Thesis highlights from the latest analysis

Bull Case

Bear Case

Drivers

Scannable catalysts and supporting factors

Quarterly earnings (next reported quarter)
Net interest margin and deposit mix improvement

Human Analyst Targets

External snippets for comparison only; verify at source.

Unverified externalLast fetched 2026-01-24Source quality: external scrape

External snippets are unverified; treat as directional signals only. Always confirm with the original provider.

Inline RA est

Provider

serper

Median (USD)

$10.36

Range (USD)

$6.05 - $12.75

Count

Query: First Northwest Bancorp Common (FNWB) analyst consensus price target high low average

First Northwest Bancorp: Target Price Consensus and Analysts ...
Search result #1
First Northwest Bancorp analysts consensus, targets, ratings and recommendations | Nasdaq: FNWB | Nasdaq.
Open source
First Northwest Bancorp (FNWB) Stock Price, News, Quote & History
Search result #2
Analyst Price Targets. 12.00. 12.75 Average. 10.60 Current. 13.50 High ... 0 Low. Sector Avg. 100 High. Research Reports: FNWB. View More. Daily – Vickers ...
Open source
First Northwest Bancorp Stock Price Today | NASDAQ: FNWB Live
Search result #3
2 analysts. Overall Consensus. Strong Buy. Analysts 12-Month Price Target: Average 12.75. (+24.03% Upside). Firm. Position, Price Target, Upside / Downside ...
Open source
First Northwest Bancorp Analyst Estimates - FNWB - MarketWatch
Search result #4
Stock Price Targets. High, $12.00. Median, $10.00. Low, $8.00. Average, $10.00. Current Price, $7.83. Yearly Numbers. Estimates. FNWB will report 2025 earnings ...
Extracted: $12.00, $10.00, $8.00, $7.83Open source
FIRST NORTHWEST BANCORP (FNWB) Stock, Price, News ... - MSN
Search result #5
FNWB is rated "Strong Buy" with a 12-month target price of 12.75, a ‎24.03% upside from the current price of 10.28. See more. Strong SellSellHoldBuyStrong ...
Open source
First Northwest Bancorp (FNWB) Stock Forecast & Price Targets
Search result #6
The 1 analyst with a 12-month price forecast for First Northwest Bancorp stock has a target of 13.5, which predicts a 38.89% increase from the current stock ...
Open source

Scenarios

Bull Target (Scenario probability)

$13 / p=20% prob

Base Target (Scenario probability)

$10 / p=60% prob

Bear Target (Scenario probability)

$6 / p=20% prob

Price $11 as of 2026-07-10

Nearest Scenario: Base (∆ 6%)

Targets vs latest close: Bull +15% · Base -6% · Bear -45%

Sentiment & Exposure

Sentiment unavailable: insufficient coverage

Events

Other notable items detected

EVENT2026-04-24
Analyst target revisions / consensus update
Analyst coverage is sparse (small number of published targets) and any coordinated revisions to 12-month targets could move the stock; assumption: consensus updates by window end [#SERP-10], [#SERP-1].
Prob 25.00% • Move 12.00% • Priced-in 40.00%

Short-term Catalysts

Next few weeks

Quarterly earnings (next reported quarter)
2026-04-24
Next quarterly earnings release and accompanying guidance could drive near-term re-rating; consensus price-target notes imply limited upside/variance vs current price [#SERP-2], [#SERP-4]. Date estimated due to no firm public schedule.
Prob 60% • Move 8% • Priced-in 50%

Long-term Catalysts

Months to a year

Net interest margin and deposit mix improvement
2027-01-24
Over the next 12 months, a favorable rate environment and stable core deposit funding could expand NIM and support earnings power; outcome depends on regional loan growth and credit trends [#SERP-3].
Prob 15% • Move 25% • Priced-in 30%

Risks

Core deposit outflows
Low liquidity and sparse analyst coverage
NIM compression
Regional credit losses (CRE)

Peers

Symbol	Summary
NWBI	Pacific Northwest regional lender with similar deposit and commercial lending footprint.

Sources

Internal and external references used in this analysis

Model source: RankAlpha Sentiment AI
Human targets: serper
Targets query: First Northwest Bancorp Common (FNWB) analyst consensus price target high low average
Analysis date: 2026-01-24