` Comparison: FNWB vs MTB - Alpha Spread
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FNWB
vs
MTB

Over the past 12 months, FNWB has underperformed MTB, delivering a return of -13% compared to the MTB's +12% growth.

Valuation Growth Profitability Solvency Stocks Performance
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FNWB
MTB
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Stocks Compared:
FNWB MTB
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Valuation Comparison

FNWB Intrinsic Value
15.84 USD
Undervaluation 44%
Intrinsic Value
Price
MTB Intrinsic Value
275.69 USD
Undervaluation 29%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
First Northwest Bancorp
NASDAQ:FNWB
8.9 USD
M&T Bank Corp
NYSE:MTB
196.26 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
FNWB, MTB

FNWB
MTB
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
First Northwest Bancorp
Revenue
M&T Bank Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
FNWB, MTB

FNWB
MTB
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
First Northwest Bancorp
NASDAQ:FNWB
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

FNWB
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Northwest Bancorp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

FNWB
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Northwest Bancorp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

FNWB
-6.1%
MTB
27.9%

FCF Margin

FNWB
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Northwest Bancorp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

FNWB
-2.7%
MTB
9.3%

ROA

FNWB
-0.2%
MTB
1.3%

ROIC

FNWB
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Northwest Bancorp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

FNWB
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Northwest Bancorp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

First Northwest Bancorp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
M&T Bank Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
FNWB, MTB

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FNWB
MTB
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
FNWB, MTB

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FNWB
MTB
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
FNWB, MTB

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FNWB
MTB
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vs FNWB
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