First Financial Northwest
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
49.40
Price/Sales ratio
5.29
Earnings per Share (EPS)
$0.45

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
16.6120.6126.3418.8210.7014.3712.9712.3310.1819.51185.0010.70
Price/Sales ratio
5.405.856.374.003.613.462.473.092.612.822.713.46
Price/Book Value ratio
0.971.101.691.111.030.950.700.950.840.761.231.03
Price/Cash Flow ratio
9.5511.2913.5613.178.5311.399.268.194.8129.49-59.9611.39
Price/Free Cash Flow ratio
9.7212.6415.1717.189.7614.7511.459.194.9833.57-56.0814.75
Price/Earnings Growth ratio
-0.32-2.962.202.010.13-0.50-0.840.250.83-0.36-61.97-0.50
Dividend Yield
1.65%1.71%1.19%1.74%2.00%2.33%3.49%2.70%3.21%3.87%1.21%2.33%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%126.60%100%
Operating Profit Margin
69.33%64.48%54.7%58.85%75.65%30.03%23.37%31.06%52.90%18.05%2.05%30.03%
Pretax Profit Margin
50.34%43.55%34.28%33.69%42.20%30.03%23.37%31.06%31.80%18.05%1.32%30.03%
Net Profit Margin
32.52%28.40%24.18%21.28%33.82%24.08%19.05%25.07%25.65%14.48%1.46%24.08%
Effective Tax Rate
35.39%34.79%29.45%36.82%19.86%19.81%18.49%19.27%19.31%19.76%-9.79%19.81%
Return on Assets
1.14%0.93%0.85%0.70%1.18%0.77%0.61%0.85%0.88%0.41%0.07%0.77%
Return On Equity
5.89%5.36%6.43%5.94%9.69%6.63%5.47%7.75%8.25%3.90%0.66%6.63%
Return on Capital Employed
2.43%2.12%1.93%1.93%2.66%0.96%0.75%1.06%1.81%0.52%0.18%0.96%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A1.74N/A
Quick Ratio
4.74K5.13K868.35531.15386.62671.261.42K2.91K851.96N/A1.74671.26
Cash ratio
732.73783.04135.7249.4835.5880.66381.46655.2774.14N/A0.1280.66
Days of Sales Outstanding
7.41K7.78K8.12K9.09KN/AN/AN/AN/AN/AN/A5.66KN/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A5.66KN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A-5.52N/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A5.67KN/A
Debt Ratios
Debt Ratio
0.140.120.160.170.110.100.080.060.09N/A0.060.10
Debt Equity Ratio
0.740.731.241.510.950.880.790.620.90N/A0.620.88
Long-term Debt to Capitalization
0.420.420.550.600.480.460.440.380.47N/A0.380.46
Total Debt to Capitalization
0.420.420.550.600.480.460.440.380.47N/A0.380.46
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/A3.41N/AN/AN/A0.04N/A
Cash Flow to Debt Ratio
0.130.130.100.050.120.090.090.180.19N/A-0.030.09
Company Equity Multiplier
5.165.747.518.488.148.588.879.039.379.319.058.14
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.560.510.460.300.420.300.260.370.540.09-0.040.30
Free Cash Flow / Operating Cash Flow Ratio
0.980.890.890.760.870.770.800.890.960.871.070.87
Cash Flow Coverage Ratio
0.130.130.100.050.120.090.090.180.19N/A-0.030.09
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
27.49%35.33%31.52%32.75%21.46%33.54%45.27%33.39%32.80%75.54%559.66%21.46%