How does FDVA's PE Ratio compare to its peers?

FDVA is expensive based on its Price-To-Earnings Ratio (49.6x) compared to the peer average (43.3x).

How does FDVA's PE Ratio compare vs other companies in the US Banks Industry?

FDVA is expensive based on its Price-To-Earnings Ratio (49.6x) compared to the US Banks industry average (12.4x).

What is FDVA's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate FDVA's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of FDVA when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

FDVA ($10.61) is trading below our estimate of [[fair value]] ($20.88)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

FDVA Stock Overview

Operates as the bank holding company for The Freedom Bank of Virginia that provides commercial banking, personal banking, and mortgage banking solutions. More details

FDVA fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	1/6
Financial Health	5/6
Dividends	0/6

Rewards

Trading at 49.2% below our estimate of its fair value

Risk Analysis

Earnings have declined by 0.6% per year over past 5 years

Profit margins (5.9%) are lower than last year (23.1%)

Does not have a meaningful market cap ($77M)

My Notes

Capture your thoughts, links and company narrative

Freedom Financial Holdings, Inc. Competitors

PBCO Financial

OTCPK:PBCO

US$73.3m

University Bancorp

OTCPK:UNIB

US$84.7m

United Bancshares

OTCPK:UBOH

US$79.9m

Auburn National Bancorporation

NasdaqGM:AUBN

US$83.2m

Price History & Performance

Summary of share price highs, lows and changes for Freedom Financial Holdings
Historical stock prices
Current Share Price	US$10.61
52 Week High	US$11.50
52 Week Low	US$9.66
Beta	0.54
1 Month Change	-0.84%
3 Month Change	-5.27%
1 Year Change	2.81%
3 Year Change	-20.52%
5 Year Change	1.53%
Change since IPO	36.30%

Recent updates

Shareholder Returns

	FDVA	US Banks	US Market
7D	-0.4%	-1.1%	-0.4%
1Y	2.8%	29.5%	24.8%

Return vs Industry: FDVA underperformed the US Banks industry which returned 29.3% over the past year.

Return vs Market: FDVA underperformed the US Market which returned 23.9% over the past year.

Price Volatility

Is FDVA's price volatile compared to industry and market?
FDVA volatility
FDVA Average Weekly Movement	2.7%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.1%

Stable Share Price: FDVA has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: FDVA's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2001	n/a	Joe Thomas	www.freedom.bank

Freedom Financial Holdings, Inc. operates as the bank holding company for The Freedom Bank of Virginia that provides commercial banking, personal banking, and mortgage banking solutions. The company offers personal and business checking accounts, interest bearing business savings accounts, money market accounts, personal savings accounts, certificates of deposits, and IRAs, as well as insured cash sweep and certificate of deposit account registry services. It also provides business term, personal, and mortgage loans; commercial lines of credit; commercial real estate mortgage and small business lending services; home equity lines; and credit cards.

Freedom Financial Holdings, Inc. Fundamentals Summary

How do Freedom Financial Holdings's earnings and revenue compare to its market cap?
FDVA fundamental statistics
Market cap	US$76.72m
Earnings (TTM)	US$1.55m
Revenue (TTM)	US$26.07m

49.6x

P/E Ratio

0.9x

P/B Ratio

Is FDVA overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FDVA income statement (TTM)
Revenue	US$26.07m
Cost of Revenue	US$0
Gross Profit	US$26.07m
Other Expenses	US$24.52m
Earnings	US$1.55m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.21
Gross Margin	100.00%
Net Profit Margin	5.93%
Debt/Equity Ratio	138.5%

How did FDVA perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/25 06:01
End of Day Share Price	2024/12/23 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Freedom Financial Holdings, Inc. is covered by 1 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Joseph Gladue	Merion Research