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

Revenue: As of FY2025 Q3, the actual value is USD 28.91 M.

EPS: As of FY2025 Q3, the actual value is USD 0.09.

EBIT: As of FY2025 Q3, the actual value is USD -14.72 M.

Interest Income: 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.

Net Income: 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.
Provision for Credit Losses: 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.

Operating Cash Flow: 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.
Investing Cash Flow: 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.
Financing Cash Flow: 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.

Allowance for Credit Losses on Loans: The allowance for credit losses on loans at September 30, 2025, was $16,203 thousand, compared to $20,449 thousand at December 31, 2024.
Nonaccrual Loans: Total nonaccrual loans at September 30, 2025, were $13,372 thousand, compared to $30,515 thousand at December 31, 2024.

Growth Targets: The company aims to improve its net interest income and manage credit losses effectively to enhance profitability.
Margin Improvement: Focus on reducing operating expenses and improving efficiency to achieve better operating margins.

Divestitures and Emerging Segments: The company is actively managing its litigation risks and seeking reimbursement from insurance carriers to mitigate financial impacts.

Concrete Projections: The company is focused on maintaining a strong balance sheet and liquidity position to support future growth and operational stability.