Demonstrações financeiras detalhadas de First Northwest Bancorp (FNWB): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
First Northwest Bancorp registou receitas de $107.2M no último exercício, com um CAGR de 5 anos de 9.7%.
Margens dos últimos 12 meses: margem bruta 56.0%, margem operacional 0.3%, margem líquida 1.5%.
Ao preço atual de $9.93, FNWB negocia a um P/L de 61.24 e um ROE de 0.96%. A capitalização de mercado é de $94M.
Demonstração de Resultados (10 anos)
| Ano | 2017 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $43.0M | $46.6M | $51.7M | $56.3M | $67.5M | $79.3M | $90.7M | $104.9M | $117.0M | $107.2M |
| Custo da Receita | $6.4M | 0 | $10.2M | $12.1M | $12.8M | $6.7M | $12.1M | $40.8M | $72.5M | $56.5M |
| Lucro Bruto | $36.6M | $46.6M | $41.5M | $44.1M | $54.8M | $72.6M | $78.7M | $64.1M | $44.5M | $50.7M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $21.6M | $28.2M | $23.8M | $23.7M | $32.0M | $37.5M | $41.5M | $36.7M | $37.3M | $19.5M |
| Despesas Operacionais | $29.8M | $28.2M | $32.8M | $33.0M | $41.5M | $54.4M | $62.3M | $61.5M | $52.1M | $56.5M |
| Lucro Operacional | $6.8M | $7.3M | $8.7M | $11.1M | $13.3M | $18.2M | $16.3M | $2.7M | -$7.6M | -$5.9M |
| EBITDA | $8.3M | $8.6M | $10.2M | $12.7M | $14.9M | $19.7M | $18.4M | $4.3M | -$6.1M | -$5.2M |
| Despesas com Juros | $5.2M | 0 | $9.0M | $11.4M | $7.7M | $5.4M | $10.5M | $39.5M | $56.0M | $49.7M |
| Lucro Antes de Impostos | $6.8M | $7.4M | $8.7M | $11.1M | $13.3M | $18.2M | $16.3M | $2.7M | -$7.6M | -$5.9M |
| Imposto | $1.7M | $4.1M | $1.6M | $2.1M | $3.0M | $3.2M | $2.8M | $549000 | -$944000 | -$1.7M |
| Lucro Líquido | $5.1M | $3.3M | $7.1M | $9.0M | $10.3M | $15.4M | $15.6M | $2.3M | -$6.6M | -$4.2M |
| LPA | $0.46 | $0.31 | $0.69 | $0.92 | $1.11 | $1.63 | $1.71 | $0.26 | $-0.75 | $-0.48 |
| LPA Diluído | $0.46 | $0.31 | $0.68 | $0.91 | $1.10 | $1.62 | $1.71 | $0.25 | $-0.75 | $-0.48 |
| Ações em Circulação (Diluídas) | $11.2M | $10.7M | $10.4M | $9.9M | $9.4M | $9.2M | $9.1M | $8.9M | $8.8M | $9.6M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $28.9M | $18.4M | $27.3M | $27.5M |
| Lucro Bruto | $17.2M | $6.9M | $16.4M | $16.7M |
| Lucro Operacional | -$146000 | $483000 | -$314000 | $325000 |
| EBITDA | -$109000 | $798000 | $4000 | $325000 |
| Lucro Líquido | $802000 | $382000 | $6000 | $308000 |
| LPA | $0.09 | $0.04 | $0.00 | $0.03 |
| LPA Diluído | $0.09 | $0.04 | $0.00 | $0.03 |
Balanço (10 anos)
| Ano | 2017 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $24.3M | $26.7M | $26.3M | $48.7M | $65.2M | $126.0M | $45.6M | $123.2M | $72.4M | $85.1M |
| Investimentos de Curto Prazo | $228.6M | 0 | $263.0M | $315.6M | $364.3M | $344.2M | $326.6M | $295.6M | $340.3M | $5.6M |
| Contas a Receber | $3.0M | 0 | $4.0M | $3.9M | $7.0M | $5.3M | $6.7M | $7.9M | $8.2M | $6.5M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $261.9M | $40.6M | $298.9M | $377.1M | $447.4M | $496.1M | $407.2M | $426.7M | $421.0M | $97.2M |
| Imobilizado | $13.2M | $13.7M | $15.3M | $14.3M | $14.8M | $19.8M | $18.1M | $24.1M | $27.1M | $24.1M |
| Ágio | 0 | 0 | 0 | 0 | 0 | $1.2M | $1.1M | $1.1M | $1.1M | $1.1M |
| Ativos Intangíveis | $986000 | $1.1M | $1.0M | $871000 | $2.1M | $3.3M | $3.9M | $3.8M | $3.3M | $3.0M |
| Ativos Totais | $1.09B | $1.22B | $1.26B | $1.31B | $1.65B | $1.92B | $2.04B | $2.20B | $2.23B | $2.11B |
| Contas a Pagar | $208000 | 0 | $521000 | $373000 | $53000 | $393000 | $455000 | $3.4M | $3.3M | $1.2M |
| Dívida de Curto Prazo | 0 | $84.1M | $76.6M | $62.9M | $60.0M | 0 | $166.0M | $201.5M | $136.5M | $113.5M |
| Passivos Circulantes | $831.4M | $354.5M | $1.03B | $1.08B | $1.42B | $1.61B | $1.76B | $1.88B | $1.83B | $1.71B |
| Dívida de Longo Prazo | $77.4M | $60.0M | $60.0M | $50.0M | $50.0M | $119.3M | $119.4M | $119.4M | $199.5M | $194.6M |
| Passivos Totais | $910.0M | $1.04B | $1.09B | $1.13B | $1.47B | $1.73B | $1.88B | $2.04B | $2.08B | $1.95B |
| Reservas | $77.5M | $78.6M | $81.6M | $86.2M | $92.7M | $103.0M | $114.4M | $107.3M | $97.2M | $91.7M |
| Patrimônio Líquido | $177.7M | $177.0M | $172.3M | $176.9M | $186.4M | $191.0M | $161.6M | $163.3M | $153.9M | $157.3M |
| Dívida Total | $77.4M | $144.1M | $136.6M | $112.9M | $110.0M | $119.3M | $285.4M | $327.4M | $353.5M | $324.6M |
| Dívida Líquida | -$175.5M | $117.4M | -$152.7M | -$251.4M | -$319.5M | -$350.9M | -$86.8M | -$91.4M | -$59.2M | $233.9M |
| Capital de Giro | -$569.5M | -$313.9M | -$726.5M | -$702.2M | -$969.5M | -$1.11B | -$1.36B | -$1.46B | -$1.41B | -$1.62B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $79.2M | $85.1M | $104.1M | $14.6M |
| Ativos Totais | $2.11B | $2.11B | $2.13B | $2.12B |
| Passivos Totais | $1.96B | $1.95B | $1.98B | $1.97B |
| Patrimônio Líquido | $154.5M | $157.3M | $157.0M | $158.3M |
| Dívida Total | $275.7M | $324.6M | $344.4M | $329.2M |
Fluxo de Caixa (10 anos)
| Ano | 2017 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $5.1M | $3.3M | $7.1M | $9.0M | $10.3M | $15.0M | $13.5M | $2.1M | -$6.6M | -$4.2M |
| Depreciação e Amortização | $1.5M | $1.2M | $1.6M | $1.6M | $1.7M | $1.5M | $2.1M | $1.6M | $1.4M | $1.3M |
| Compensação em Ações | $1.7M | $1.9M | $1.9M | $1.9M | $1.8M | $3.0M | $2.3M | $2.1M | $1.6M | $1.2M |
| Variação Capital de Giro | -$7.5M | $326000 | -$30000 | $2.2M | $4.9M | -$7.2M | -$2.2M | $5.4M | $6.1M | -$2.9M |
| Fluxo de Caixa Operacional | $1.1M | $5.2M | $13.3M | $14.1M | $13.3M | $15.2M | $15.9M | $17.9M | $16.9M | -$2.8M |
| CapEx | -$956000 | -$1.1M | -$2.8M | -$426000 | -$1.8M | -$6.0M | -$2.9M | -$1.6M | 0 | 0 |
| Aquisições | 0 | 0 | 0 | 0 | 0 | $63.5M | 0 | 0 | 0 | $417000 |
| Recompra de Ações | -$16.5M | -$2.2M | -$10.0M | -$7.8M | -$7.4M | -$6.0M | -$5.4M | -$1.1M | -$4.1M | -$113000 |
| Dividendos Pagos | 0 | 0 | -$335000 | -$1.4M | -$2.2M | -$2.5M | -$2.8M | -$2.7M | -$2.6M | -$1.3M |
| Fluxo de Caixa Livre | $179000 | $4.2M | $10.5M | $13.7M | $11.4M | $9.1M | $13.0M | $16.3M | $16.9M | -$2.8M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $4.7M | $10.3M | $885000 | $1.5M |
| CapEx | 0 | 0 | -$445000 | -$858000 |
| Fluxo de Caixa Livre | $4.7M | $10.3M | $440000 | $634000 |
| Dividendos Pagos | -$18000 | -$1000 | 0 | 0 |
| Compensação em Ações | $228000 | $323000 | $233000 | 0 |
Crescimento e Margens (10 anos)
| Ano | 2017 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +8.4% | +10.8% | +8.9% | +20.0% | +17.4% | +14.4% | +15.7% | +11.5% | -8.4% |
| Crescimento Lucro Líquido (anual) | | -35.2% | +114.1% | +26.9% | +14.7% | +49.1% | +1.5% | -85.4% | -389.3% | +36.6% |
| Crescimento LPA (anual) | | -32.6% | +122.6% | +33.3% | +20.7% | +46.8% | +4.9% | -84.8% | -388.5% | +36.0% |
| Variação de Ações (anual) | | -4.2% | -2.5% | -4.9% | -5.2% | -1.8% | -0.9% | -2.2% | -2.1% | +9.1% |
| Crescimento FCF (anual) | | +2227.4% | +151.9% | +30.2% | -16.3% | -20.1% | +42.2% | +25.5% | +3.5% | -116.3% |
| Margem Bruta | 85.1% | 100.0% | 80.3% | 78.5% | 81.1% | 91.5% | 86.7% | 61.1% | 38.0% | 47.3% |
| Margem Operacional | 15.8% | 15.6% | 16.8% | 19.7% | 19.7% | 22.9% | 18.0% | 2.5% | -6.5% | -5.5% |
| Margem EBITDA | 19.2% | 18.4% | 19.7% | 22.5% | 22.1% | 24.9% | 20.3% | 4.1% | -5.2% | -4.8% |
| Margem Líquida | 11.9% | 7.1% | 13.8% | 16.0% | 15.3% | 19.4% | 17.2% | 2.2% | -5.7% | -3.9% |
| Margem FCF | 0.4% | 8.9% | 20.3% | 24.3% | 16.9% | 11.5% | 14.3% | 15.5% | 14.4% | -2.6% |
| Taxa Efetiva de Imposto | 24.5% | 55.2% | 18.1% | 18.7% | 22.2% | 17.6% | 17.4% | 20.5% | 12.5% | 28.6% |
Dados por Ação (10 anos)
| Ano | 2017 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $0.02 | $0.39 | $1.01 | $1.38 | $1.22 | $0.99 | $1.42 | $1.82 | $1.93 | $-0.29 |
| Dividendo por Ação | $0.00 | $0.00 | $0.03 | $0.14 | $0.23 | $0.27 | $0.30 | $0.30 | $0.30 | $0.14 |
| Ações em Circulação (Básicas) | $11.1M | $10.6M | $10.3M | $9.8M | $9.3M | $9.1M | $9.1M | $8.9M | $8.8M | $9.6M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 0.96% |
| Retorno sobre capital investido | 0.02% |
| Retorno sobre ativos | 0.07% |
| Margem bruta | 56.02% |
| Margem operacional | 0.34% |
| Margem líquida | 1.47% |
Saúde financeira
| Dívida / Patrimônio | 2.08 |
| Liquidez corrente | 6.04 |
Índices Chave (10 anos)
| Ano | 2017 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 34.28 | 52.61 | 21.49 | 19.71 | 14.05 | 12.39 | 8.98 | 61.31 | -13.60 | -19.54 |
| P/VP | 0.98 | 0.98 | 0.89 | 1.01 | 0.78 | 0.97 | 0.86 | 0.87 | 0.58 | 0.57 |
| P/V | 4.07 | 3.71 | 2.97 | 3.17 | 2.15 | 2.33 | 1.54 | 1.35 | 0.76 | 0.84 |
| Margem Bruta | 85.1% | 100.0% | 80.3% | 78.5% | 81.1% | 91.5% | 86.7% | 61.1% | 38.0% | 47.3% |
| Margem Operacional | 15.8% | 15.6% | 16.8% | 19.7% | 19.7% | 22.9% | 18.0% | 2.5% | -6.5% | -5.5% |
| Margem Líquida | 11.9% | 7.1% | 13.8% | 16.0% | 15.3% | 19.4% | 17.2% | 2.2% | -5.7% | -3.9% |