NasdaqCM:FFBW

Stock Analysis Report

Executive Summary

FFBW, Inc. operates as the bank holding company for First Federal Bank of Wisconsin that provides savings banking products and services in the United States.

Snowflake

Fundamentals

Flawless balance sheet with acceptable track record.

Risks

  • FFBW is not covered by any analysts.

Similar Companies

Share Price & News

How has FFBW's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-3.0%

NasdaqCM:FFBW

0.9%

US Mortgage

0.2%

US Market


1 Year Return

-16.3%

NasdaqCM:FFBW

-2.0%

US Mortgage

-0.7%

US Market

FFBW underperformed the Mortgage industry which returned -2% over the past year.

FFBW underperformed the Market in United States of America which returned -0.7% over the past year.


Share holder returns

FFBWIndustryMarket
7 Day-3.0%0.9%0.2%
30 Day-6.4%-1.9%-2.7%
90 Day-11.1%-0.4%1.6%
1 Year-16.3%-16.3%0.05%-2.0%1.6%-0.7%
3 Yearn/a32.3%23.5%40.0%30.9%
5 Yearn/a56.8%40.3%53.8%36.8%

Price Volatility Vs. Market

How volatile is FFBW's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is FFBW undervalued based on future cash flows and its price relative to the stock market?

49.68x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for FFBW to establish if it is available at moderate discount.

Unable to calculate intrinsic value for FFBW to establish if it is available at substantial discount.


Price Based on Earnings

FFBW is overvalued based on earnings compared to the US Mortgage industry average.

FFBW is overvalued based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for FFBW, we can't assess if its growth is good value.


Price Based on Value of Assets

FFBW is good value based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

How is FFBW expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

32.5%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if FFBW is high growth as no revenue estimate data is available.

FFBW's earnings are expected to grow significantly at over 20% yearly.

Unable to compare FFBW's revenue growth to the United States of America market average as no estimate data is available.

FFBW's earnings growth is expected to exceed the United States of America market average.

FFBW's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if FFBW will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has FFBW performed over the past 5 years?

43.5%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

FFBW has delivered over 20% year on year earnings growth in the past 5 years.

FFBW's 1-year earnings growth exceeds its 5-year average (1143.9% vs 43.5%)

FFBW's earnings growth has exceeded the US Mortgage industry average in the past year (1143.9% vs 32.9%).


Return on Equity

FFBW has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

FFBW used its assets less efficiently than the US Mortgage industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if FFBW improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

  • Explore strong past performing companies in the Banks industry.

Financial Health

How is FFBW's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

FFBW has an acceptable proportion of non-loan assets held.

FFBW has a sufficient allowance for bad loans.

FFBW's liabilities are made up of primarily low risk sources of funding.

FFBW's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at FFBW are broadly funded by customer deposits.

FFBW has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is FFBW's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate FFBW's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate FFBW's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as FFBW has not reported any payouts.

Unable to verify if FFBW's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as FFBW has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of FFBW's salary, the management and board of directors tenure and is there insider trading?

6.8yrs

Average management tenure


CEO

Ed Schaefer (56yo)

3.1yrs

Tenure

US$935,275

Compensation

Mr. Edward H. Schaefer, also known as Ed, has been the Chief Executive Officer and President at First Federal Bank of Wisconsin since July 2016. Mr. Schaefer is the President, Chief Executive Officer and D ...


CEO Compensation Analysis

Ed's remuneration is higher than average for companies of similar size in United States of America.

Ed's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

6.8yrs

Average Tenure

49.5yo

Average Age

The average tenure for the FFBW management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

2.6yrs

Average Tenure

57yo

Average Age

The average tenure for the FFBW board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

BuyUS$16,50031 Oct 18
Edward Schaefer
EntityIndividual
Role
Chief Executive Officer
President
Shares1,500
Max PriceUS$11.00
BuyUS$16,92004 Sep 18
Stephen Johnson
EntityIndividual
Role
Member of the Board of Directors
Director
Shares1,500
Max PriceUS$11.28
BuyUS$4,51204 Sep 18
Thomas Martin
EntityIndividual
Role
Member of the Board of Directors
Director
Shares400
Max PriceUS$11.28
BuyUS$4,51131 Aug 18
Thomas Martin
EntityIndividual
Role
Member of the Board of Directors
Director
Shares400
Max PriceUS$11.28
BuyUS$9,04024 Aug 18
Thomas Martin
EntityIndividual
Role
Member of the Board of Directors
Director
Shares800
Max PriceUS$11.30

Ownership Breakdown


Management Team

  • Ed Schaefer (56yo)

    President

    • Tenure: 3.1yrs
    • Compensation: US$935.28k
  • Nikola Schaumberg (43yo)

    Chief Financial Officer

    • Tenure: 6.8yrs
  • Kathy Gutenkunst (57yo)

    Corporate Secretary & Director

    • Tenure: 2.6yrs
    • Compensation: US$98.76k
  • Niki Schaumberg (43yo)

    Chief Financial Officer

    • Tenure: 6.8yrs
    • Compensation: US$431.05k

Board Members

  • Jose Olivieri (61yo)

    Director

    • Tenure: 0.3yrs
  • Ed Schaefer (56yo)

    President

    • Tenure: 3.1yrs
    • Compensation: US$935.28k
  • Christine Specht (44yo)

    Director

    • Tenure: 0.3yrs
  • Kathryn Gutenkunst (57yo)

    Director

    • Tenure: 12.6yrs
  • Thomas McKeever (54yo)

    Director

    • Tenure: 2.6yrs
    • Compensation: US$99.76k
  • Michael Pjevach (56yo)

    Director

    • Tenure: 4.6yrs
    • Compensation: US$17.00k
  • Stephen Johnson (67yo)

    Director

    • Tenure: 2.6yrs
    • Compensation: US$100.51k
  • Jim Tarantino (61yo)

    Chairman of the Board

    • Tenure: 2.6yrs
    • Compensation: US$145.91k
  • Kathy Gutenkunst (57yo)

    Corporate Secretary & Director

    • Tenure: 2.6yrs
    • Compensation: US$98.76k
  • Thomas Martin (78yo)

    Director

    • Tenure: 2.6yrs
    • Compensation: US$99.76k

Company Information

FFBW, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: FFBW, Inc.
  • Ticker: FFBW
  • Exchange: NasdaqCM
  • Founded: 1922
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$60.016m
  • Shares outstanding: 6.34m
  • Website: https://www.firstfederalwisconsin.com

Number of Employees


Location

  • FFBW, Inc.
  • 1360 South Moorland Road
  • Brookfield
  • Wisconsin
  • 53005
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
FFBWNasdaqCM (Nasdaq Capital Market)YesCommon StockUSUSDOct 2017

Biography

FFBW, Inc. operates as the bank holding company for First Federal Bank of Wisconsin that provides savings banking products and services in the United States. It offers deposit accounts, including nonintere ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/22 00:46
End of Day Share Price2019/08/21 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.