Financial Contrast: Raiffeisen Bank International (OTCMKTS:RAIFY) vs. First Northwest Bancorp (NASDAQ:FNWB)
by Tristan Rich · The Markets DailyFirst Northwest Bancorp (NASDAQ:FNWB – Get Free Report) and Raiffeisen Bank International (OTCMKTS:RAIFY – Get Free Report) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their analyst recommendations, institutional ownership, profitability, earnings, dividends, risk and valuation.
Institutional and Insider Ownership
66.1% of First Northwest Bancorp shares are held by institutional investors. 4.1% of First Northwest Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Analyst Recommendations
This is a breakdown of recent ratings for First Northwest Bancorp and Raiffeisen Bank International, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| First Northwest Bancorp | 0 | 3 | 1 | 0 | 2.25 |
| Raiffeisen Bank International | 0 | 1 | 0 | 1 | 3.00 |
First Northwest Bancorp presently has a consensus price target of $15.00, suggesting a potential upside of 35.38%. Given First Northwest Bancorp’s higher probable upside, analysts plainly believe First Northwest Bancorp is more favorable than Raiffeisen Bank International.
Volatility & Risk
First Northwest Bancorp has a beta of 0.63, indicating that its stock price is 37% less volatile than the S&P 500. Comparatively, Raiffeisen Bank International has a beta of 1.24, indicating that its stock price is 24% more volatile than the S&P 500.
Valuation and Earnings
This table compares First Northwest Bancorp and Raiffeisen Bank International”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| First Northwest Bancorp | $118.64 million | 0.89 | -$4.19 million | $0.16 | 69.25 |
| Raiffeisen Bank International | $14.76 billion | 1.66 | $1.55 billion | $2.10 | 8.90 |
Raiffeisen Bank International has higher revenue and earnings than First Northwest Bancorp. Raiffeisen Bank International is trading at a lower price-to-earnings ratio than First Northwest Bancorp, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares First Northwest Bancorp and Raiffeisen Bank International’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| First Northwest Bancorp | 1.32% | 0.96% | 0.07% |
| Raiffeisen Bank International | 19.31% | 10.94% | 1.16% |
Summary
Raiffeisen Bank International beats First Northwest Bancorp on 10 of the 15 factors compared between the two stocks.
About First Northwest Bancorp
First Northwest Bancorp operates as a bank holding company for First Fed Bank that provides commercial and consumer banking services to individuals, businesses, and nonprofit organizations in western Washington, the United States. The company accepts various deposit instruments, including checking, money market deposit, savings, and transaction accounts, as well as certificates of deposit. It also originates one- to four-family mortgage loans, commercial and multi-family real estate loans, construction and land loans, and commercial business loans, as well as consumer loans primarily consisting of automobile loans, and home-equity loans and lines of credit. First Northwest Bancorp operates branch offices in Clallam, Jefferson, King, Kitsap, and Whatcom Counties, Washington. First Northwest Bancorp was founded in 1923 and is based in Port Angeles, Washington.
About Raiffeisen Bank International
Raiffeisen Bank International AG, together with its subsidiaries, offers banking services to corporate, private customers, and institutional customers. The company offers cash management, cross border accounts, electronic banking, payments solutions, sustainable and subsidized financing, leveraged and acquisition financing, project and structured financing, real estate financing, leasing, factoring, trade and export financing, investment banking, investing, hedging, and investor services to its institutional clients and corporate customers in agri food and beverage, automotive, construction and building materials, food and beverage, healthcare and pharmaceuticals, oil and gas, packaging, real estate, retail, technology, telecom, and utilities industries. It also provides retail and private banking services, including deposits, loans, wealth management, and advisory services to retail customers and small and medium-sized enterprises. In addition, the company offers clearing, reporting, settlement, guarantees, letters of credit, fund administration, acceptances, brokerage, asset management, and custody services; and investment banking services, including asset based finance, fund finance and alternatives investments, loan syndication, mergers and acquisitions advisory, and debt and equity capital markets services. It operates through a network of business outlets in Central, Southeastern, and Eastern Europe, as well as Austria, Czech Republic, Hungary, Poland, and Slovakia. Raiffeisen Bank International AG was founded in 1886 and is based in Vienna, Austria.