NasdaqCM:FFBW

Stock Analysis Report

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Market Cap

US$68.6m

Last Updated

2021/06/18 00:47 UTC

Data Sources

Company Financials

Executive Summary

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


Snowflake Analysis

Flawless balance sheet with acceptable track record.


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

Stable Share Price: FFBW is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 1% a week.

Volatility Over Time: FFBW's weekly volatility (1%) has been stable over the past year.


Market Performance


7 Day Return

-1.8%

FFBW

-5.7%

US Mortgage

0.2%

US Market


1 Year Return

21.2%

FFBW

52.1%

US Mortgage

39.7%

US Market

Return vs Industry: FFBW underperformed the US Mortgage industry which returned 52.1% over the past year.

Return vs Market: FFBW underperformed the US Market which returned 39.7% over the past year.


Shareholder returns

FFBWIndustryMarket
7 Day-1.8%-5.7%0.2%
30 Day-2.6%-0.3%2.5%
90 Day-2.6%-6.9%5.9%
1 Year21.2%21.2%56.7%52.1%41.9%39.7%
3 Year0.4%0.4%29.0%18.5%59.7%49.8%
5 Yearn/a55.7%36.0%125.6%100.3%

Long-Term 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 compared to its fair value and its price relative to the market?

36.41x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: FFBW ($11.01) is trading above our estimate of fair value ($0.07)

Significantly Below Fair Value: FFBW is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: FFBW is poor value based on its PE Ratio (36.3x) compared to the US Mortgage industry average (13.1x).

PE vs Market: FFBW is poor value based on its PE Ratio (36.3x) compared to the US market (19.6x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate FFBW's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: FFBW is good value based on its PB Ratio (0.7x) compared to the US Mortgage industry average (1.1x).


Future Growth

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

-6.5%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as FFBW has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Past Performance

How has FFBW performed over the past 5 years?

63.6%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: FFBW has high quality earnings.

Growing Profit Margin: FFBW's current net profit margins (19%) are higher than last year (18%).


Past Earnings Growth Analysis

Earnings Trend: FFBW's earnings have grown significantly by 63.6% per year over the past 5 years.

Accelerating Growth: FFBW's earnings growth over the past year (22.2%) is below its 5-year average (63.6% per year).

Earnings vs Industry: FFBW earnings growth over the past year (22.2%) underperformed the Mortgage industry 25.6%.


Return on Equity

High ROE: FFBW's Return on Equity (2.1%) is considered low.


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


Financial Institutions Analysis

Asset Level: FFBW's Assets to Equity ratio (3.4x) is low.

Allowance for Bad Loans: FFBW has a sufficient allowance for bad loans (245%).

Low Risk Liabilities: 96% of FFBW's liabilities are made up of primarily low risk sources of funding.

Loan Level: FFBW has an appropriate level of Loans to Assets ratio (60%).

Low Risk Deposits: FFBW's Loans to Deposits ratio (89%) is appropriate.

Level of Bad Loans: FFBW has an appropriate level of bad loans (0.6%).


Dividend

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


Dividend Yield vs Market

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

High Dividend: Unable to evaluate FFBW's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if FFBW's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if FFBW's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of FFBW's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

0.8yrs

Average management tenure


CEO

Ed Schaefer (57 yo)

4.92yrs

Tenure

US$401,094

Compensation

Mr. Edward H. Schaefer, also known as Ed, has been the Chief Executive Officer, President and Director at First Federal Bank of Wisconsin since July 20, 2016. Mr. Schaefer has been Chief Executive Officer ...


CEO Compensation Analysis

Compensation vs Market: Ed's total compensation ($USD401.09K) is about average for companies of similar size in the US market ($USD526.90K).

Compensation vs Earnings: Ed's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: FFBW's management team is not considered experienced ( 0.8 years average tenure), which suggests a new team.


Board Members

Experienced Board: FFBW's board of directors are not considered experienced ( 2.1 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: FFBW insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

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$68.621m
  • Shares outstanding: 6.22m
  • Website: https://www.firstfederalwisconsin.com

Number of Employees


Location

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

Listings


Biography

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


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/06/18 00:47
End of Day Share Price2021/06/17 00:00
Earnings2021/03/31
Annual Earnings2020/12/31


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.