Liberty Northwest Bancorp Inc. (LBNW) fair value: what the stock is really worth
As of Sep 29, 2026: fair value of Liberty Northwest Bancorp Inc. $12.00, price $6.00, upside +100.0%, quality 49 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
50‑month range $4.83 – $8.00 · fair‑value band $9.41 – $15.21 · the $6.00 price screens below the $12.00 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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Liberty Northwest Bancorp, Inc. operates as a bank holding company for Liberty Bank that provides various banking services to individual and corporate customers.
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Liberty Northwest Bancorp, Inc. operates as a bank holding company for Liberty Bank that provides various banking services to individual and corporate customers. Its deposit products include checking, savings, and term certificate accounts; and lending products comprise commercial real estate loans, residential real estate loans, commercial term loans, SBA guarantee loans, lines of credit, personal loans, commercial loans, and mortgages. The company also offers mobile deposit, cash management, online banking, merchant card processing, credit/debit cards, and courier services. It operates through its main office in Poulsbo, Washington, as well as through a leased space in Bellevue, Washington. The company was founded in 2009 and is based in Poulsbo, Washington.
Stock analysis
Liberty Northwest Bancorp Inc. (LBNW) currently trades at $6.00, while our model-based Fair Value estimate is $12.00, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $33.12 per share, and 6 of the 7 models we run sit above the $6.00 price.
Bear case: the Asset-Based group reads lowest at $5.27, and 1 of the 7 models stay below the price. Evidence for this calculation is low.
Scenario range: $9.41 (bear) to $15.21 (bull), the price of $6.00 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 49/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Liberty Northwest Bancorp Inc. reported revenue of $9.4M in FY2025 versus $7.0M in FY2021, a compound +7.8%/yr. Reported net income was −$540K in FY2025.
Key figures
Market cap $10.0M · EPS (TTM) $−0.3200 · Net margin −5.7% · Return on assets (EBIT) 0.0% · Free cash flow $1.6M · Net cash $4.2M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at 100%, LBNW screens cheaper than that median.
Fair Value models
Bear $9.41Fair Value $12.00Bull $15.21
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.50/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+5.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.9%
Start year 2020 (pandemic)
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.0%
’19
’20
’21
’22
’23
’24
’25
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
9.6% (2020) → −7.3% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−21.3%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −23.2% a year for the price.
Compare Liberty Northwest Bancorp Inc. with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1053 stocks
Beats the industry median on 4/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score54 · Above median
Fair Value upside+100.0% · Top 25%
Profitability
Return on assets0.0% · Bottom 25%
Net margin (TTM)−5.7% · Bottom 25%
Operating margin (TTM)0.0% · Bottom 25%
Growth and dividend
Revenue growth0.0% · Bottom 25%
Balance sheet
Debt / equity1.71× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Liberty Northwest Bancorp Inc. Fair Value". https://www.fairvalue-calculator.com/stock/LBNW
Frequently asked questions
Is Liberty Northwest Bancorp Inc. (LBNW) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of $12.00 versus a price of $6.00, about +100% upside (undervalued).
What is the fair value of LBNW?
Our model-based fair value for Liberty Northwest Bancorp Inc. is $12.00 (as of Sep 27, 2026), built from audited fundamentals. The current price: $6.00.
What is the quality score of LBNW?
Liberty Northwest Bancorp Inc. has a Quality Score of 49/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Liberty Northwest Bancorp Inc. (LBNW)?
Our model-based price target is the fair value of $12.00 (as of Sep 27, 2026) from 7 valuation models. Cautious scenario $9.41, optimistic scenario $15.21. It is a calculation from audited fundamentals, not an analyst target.
What is the Liberty Northwest Bancorp Inc. stock forecast for 2026?
Our models put fair value at $12.00, about +100% upside versus a price of $6.00 (undervalued). Cautious scenario $9.41, optimistic scenario $15.21. The calculation is refreshed regularly with new filings.
What growth is priced into Liberty Northwest Bancorp Inc. (LBNW)?
For today's price to be fair in a discounted-cash-flow model, Liberty Northwest Bancorp Inc. would have to grow free cash flow by -21.3 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +6.9 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of LBNW use?
Our models discount Liberty Northwest Bancorp Inc. at 9.7 %: a base by market capitalisation (nano), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Liberty Northwest Bancorp Inc. that is -21.3 % per year a year over ten years, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has Liberty Northwest Bancorp Inc. (LBNW) delivered so far?
Over the past 5 years revenue at Liberty Northwest Bancorp Inc. grew +6.9 % a year. The price currently implies -21.3 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Liberty Northwest Bancorp Inc. (LBNW) growing?
The median revenue growth in the sector is +9.3 % a year. That is the yardstick for the growth priced into Liberty Northwest Bancorp Inc. (-21.3 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Liberty Northwest Bancorp Inc. (LBNW)?
The free-cash-flow yield on the price is 16.05 %: that much free cash flow Liberty Northwest Bancorp Inc. produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Liberty Northwest Bancorp Inc. (LBNW)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Liberty Northwest Bancorp Inc. it is $12.00 per share (as of Sep 27, 2026), against a price of $6.00. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Liberty Northwest Bancorp Inc. stock overvalued or undervalued in 2026?
As of Sep 27, 2026, LBNW trades below its calculated fair value: price $6.00, fair value $12.00, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of LBNW?
No. The price is what the market pays today ($6.00); the fair value is what the company's own numbers justify ($12.00). For Liberty Northwest Bancorp Inc. the two are $6.00 per share apart. That gap is exactly why we show both numbers side by side.
How much is Liberty Northwest Bancorp Inc. worth?
The market values Liberty Northwest Bancorp Inc. at about $10.0M (market capitalisation, as of Sep 27, 2026). Per share that is $6.00; our models calculate a fair value of $12.00 per share.
What do the bullish and bearish scenarios say about LBNW?
Our models span a range for Liberty Northwest Bancorp Inc.: cautious scenario $9.41, base $12.00, optimistic $15.21 per share (as of Sep 27, 2026, price $6.00). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Liberty Northwest Bancorp Inc. (LBNW)?
Balance-sheet figures for Liberty Northwest Bancorp Inc. (as of Sep 27, 2026): debt of 1.71 per unit of equity. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is LBNW from its 52-week high?
Liberty Northwest Bancorp Inc. trades at $6.00, about 4% below its 52-week high of $6.23 and at the low of $6.00 (as of Sep 29, 2026). Distance from the high says nothing about value: that is what the fair value of $12.00 is for.
Which stocks are comparable to Liberty Northwest Bancorp Inc.?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Liberty Northwest Bancorp Inc. stock attractive at the current price?
The data as of Sep 27, 2026: price $6.00, calculated fair value $12.00 (+100%), Quality Score 49/100, from 7 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of LBNW calculated?
We run Liberty Northwest Bancorp Inc. through 7 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $12.00, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Liberty Northwest Bancorp Inc. currently trades 50 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Liberty Northwest Bancorp Inc. (LBNW)?
The closing price on Sep 29, 2026 was $6.00. Our model-based fair value is $12.00, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Liberty Northwest Bancorp Inc. right now?
The price is below even our cautious bear case ($9.41). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (49/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Liberty Northwest Bancorp Inc.
How large is the market capitalisation of Liberty Northwest Bancorp Inc. (LBNW)?
The market capitalisation of Liberty Northwest Bancorp Inc. is $10.0M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What are the earnings per share of Liberty Northwest Bancorp Inc. (LBNW)?
Earnings per share at Liberty Northwest Bancorp Inc. are $−0.3200. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Liberty Northwest Bancorp Inc. (LBNW)?
The net margin of Liberty Northwest Bancorp Inc. is −5.7% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Liberty Northwest Bancorp Inc. (LBNW)?
On an EBIT basis the return on assets of Liberty Northwest Bancorp Inc. is 0.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How much net cash does Liberty Northwest Bancorp Inc. (LBNW) hold?
Liberty Northwest Bancorp Inc. holds more cash than debt, $4.2M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Thin data
Sep 27, 2026