<span item_type="fundamental" item_id="9600523ad08180601f5c3b99bbe9c30c" counter_id="ST/US/FNWB" env="prod"></span><span item_type="announcement" item_id="579889693195178625" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 28.91 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 0.09.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -14.72 M.</p><p></p><h3>Financial Metrics by Segment</h3><h4>Segment Revenue</h4><ul><li><strong>Interest Income</strong>: Total interest income for the three months ended September 30, 2025, was $26,910 thousand, compared to $28,206 thousand for the same period in 2024. For the nine months ended September 30, 2025, total interest income was $80,864 thousand, compared to $84,143 thousand for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1556727/000143774925033588/fnwb20250930_10q.htm"></span></li></ul><h4>Operational Metrics</h4><ul><li><strong>Net Income</strong>: Net income for the three months ended September 30, 2025, was $802 thousand, compared to a net loss of - $1,980 thousand for the same period in 2024. For the nine months ended September 30, 2025, net loss was - $4,573 thousand, compared to a net loss of - $3,803 thousand for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1556727/000143774925033588/fnwb20250930_10q.htm"></span></li><li><strong>Provision for Credit Losses</strong>: The recapture of provision for credit losses for the three months ended September 30, 2025, was - $673 thousand, compared to a provision of $3,134 thousand for the same period in 2024. For the nine months ended September 30, 2025, the recapture of provision for credit losses was - $6,752 thousand, compared to a provision of $12,843 thousand for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1556727/000143774925033588/fnwb20250930_10q.htm"></span></li></ul><h4>Cash Flow</h4><ul><li><strong>Operating Cash Flow</strong>: Net cash used by operating activities for the nine months ended September 30, 2025, was - $13,050 thousand, compared to net cash provided by operating activities of $4,395 thousand for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1556727/000143774925033588/fnwb20250930_10q.htm"></span></li><li><strong>Investing Cash Flow</strong>: Net cash provided by investing activities for the nine months ended September 30, 2025, was $130,743 thousand, compared to net cash used by investing activities of - $88,596 thousand for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1556727/000143774925033588/fnwb20250930_10q.htm"></span></li><li><strong>Financing Cash Flow</strong>: Net cash used by financing activities for the nine months ended September 30, 2025, was - $110,852 thousand, compared to net cash provided by financing activities of $43,754 thousand for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1556727/000143774925033588/fnwb20250930_10q.htm"></span></li></ul><h4>Unique Metrics</h4><ul><li><strong>Allowance for Credit Losses on Loans</strong>: The allowance for credit losses on loans at September 30, 2025, was $16,203 thousand, compared to $20,449 thousand at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1556727/000143774925033588/fnwb20250930_10q.htm"></span></li><li><strong>Nonaccrual Loans</strong>: Total nonaccrual loans at September 30, 2025, were $13,372 thousand, compared to $30,515 thousand at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1556727/000143774925033588/fnwb20250930_10q.htm"></span></li></ul><h3>Future Outlook and Strategy</h3><h4>Core Business Focus</h4><ul><li><strong>Growth Targets</strong>: The company aims to improve its net interest income and manage credit losses effectively to enhance profitability.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1556727/000143774925033588/fnwb20250930_10q.htm"></span></li><li><strong>Margin Improvement</strong>: Focus on reducing operating expenses and improving efficiency to achieve better operating margins.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1556727/000143774925033588/fnwb20250930_10q.htm"></span></li></ul><h4>Non-Core Business</h4><ul><li><strong>Divestitures and Emerging Segments</strong>: The company is actively managing its litigation risks and seeking reimbursement from insurance carriers to mitigate financial impacts.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1556727/000143774925033588/fnwb20250930_10q.htm"></span></li></ul><h4>Priority</h4><ul><li><strong>Concrete Projections</strong>: The company is focused on maintaining a strong balance sheet and liquidity position to support future growth and operational stability.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1556727/000143774925033588/fnwb20250930_10q.htm"></span></li></ul>

First Northwest | 10-Q: FY2025 Q3 Revenue: USD 28.91 M