Is FNWB or FSBC more undervalued in 2026?

CirclFi compares First Northwest Bancorp (FNWB) and Five Star Bancorp (FSBC) using 13 institutional-grade valuation models. FNWB has a Quality of Company score of 7.3/10 while FSBC scores 8.8/10.

Which is a better buy — FNWB or FSBC?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do FNWB and FSBC valuations compare?

FNWB at $9.75 and FSBC at $42.24 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

FNWB vs FSBC Valuation Comparison 2026 — Intrinsic Value Analysis

FNWB

Banks - Regional

First Northwest Bancorp

Quality

7.3

out of 10

Value Trap

SAFE

Price

$9.75

Last close

Models

11/13

Active

FSBC

Banks - Regional

Five Star Bancorp

Quality

8.8

out of 10

Value Trap

SAFE

Price

$42.24

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	FNWB Fair Value	FNWB Upside	FSBC Fair Value	FSBC Upside
Bayesian DCF	Intrinsic	$5.46	-44.0%	$46.30	+9.6%
Earnings Power Value	Intrinsic	$9.14	-8.7%	$69.78	+65.2%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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FNWB vs FSBC — Which Stock Is More Undervalued?

FSBC scores higher with a 8.8/10 quality rating vs FNWB's 7.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing First Northwest Bancorp (FNWB) and Five Star Bancorp (FSBC) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

FNWB currently trades at $9.75 with a QOC of 7.3/10, while FSBC trades at $42.24 with a QOC of 8.8/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).