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

FFWC is good value based on its Price-To-Earnings Ratio (10.1x) compared to the peer average (14.6x).

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

FFWC is good value based on its Price-To-Earnings Ratio (10.1x) compared to the US Banks industry average (12.4x).

What is FFWC'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 FFWC's Price-To-Earnings Fair Ratio for valuation analysis.

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

FFWC ($39.5) is trading below our estimate of [[fair value]] ($89.89)

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.

FFWC Stock Overview

Operates as the bank holding company for Crossroads Bank that provides various banking products and services. More details

FFWC fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	2/6
Financial Health	4/6
Dividends	4/6

Rewards

Trading at 56.1% below our estimate of its fair value

Pays a reliable dividend of 3.04%

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($44M)

My Notes

Capture your thoughts, links and company narrative

FFW Corporation Competitors

Baker Boyer Bancorp

OTCPK:BBBK

US$44.3m

Mifflinburg Bancorp

OTCPK:MIFF

US$42.7m

Northeast Indiana Bancorp

OTCPK:NIDB

US$43.4m

Farmers and Merchants Bancshares

OTCPK:FMFG

US$46.7m

Price History & Performance

Summary of share price highs, lows and changes for FFW
Historical stock prices
Current Share Price	US$39.50
52 Week High	US$40.25
52 Week Low	US$32.50
Beta	0.067
1 Month Change	1.28%
3 Month Change	6.76%
1 Year Change	16.18%
3 Year Change	-14.13%
5 Year Change	-8.14%
Change since IPO	474.55%

Recent updates

Shareholder Returns

	FFWC	US Banks	US Market
7D	1.2%	-1.1%	-0.4%
1Y	16.2%	29.5%	24.8%

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

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

Price Volatility

Is FFWC's price volatile compared to industry and market?
FFWC volatility
FFWC Average Weekly Movement	n/a
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: FFWC's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine FFWC's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1920	n/a	Roger Cromer	www.crossroadsbanking.com

FFW Corporation operates as the bank holding company for Crossroads Bank that provides various banking products and services. The company offers checking and savings accounts, overdraft protection, consumer credit cards, and reorder checks. Its loan products include home equity, auto, RV, boat, motorcycle, and personal loans; mortgage loans; agricultural loans; commercial real estate equipment financing; revolving lines of credit and standby letters of credit; and equipment leasing, as well as commercial lending services.

FFW Corporation Fundamentals Summary

How do FFW's earnings and revenue compare to its market cap?
FFWC fundamental statistics
Market cap	US$43.62m
Earnings (TTM)	US$4.31m
Revenue (TTM)	US$18.57m

10.1x

P/E Ratio

0.9x

P/B Ratio

Is FFWC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FFWC income statement (TTM)
Revenue	US$18.57m
Cost of Revenue	US$0
Gross Profit	US$18.57m
Other Expenses	US$14.26m
Earnings	US$4.31m

Last Reported Earnings

Mar 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	3.91
Gross Margin	100.00%
Net Profit Margin	23.23%
Debt/Equity Ratio	13.6%

How did FFWC perform over the long term?

See historical performance and comparison

Dividends

3.0%

Current Dividend Yield

30%

Payout Ratio

Does FFWC pay a reliable dividends?

See FFWC dividend history and benchmarks

When do you need to buy FFWC by to receive an upcoming dividend?
FFW dividend dates
Ex Dividend Date	Dec 13 2024
Dividend Pay Date	Dec 27 2024
Days until Ex dividend	13 days
Days until Dividend pay date	1 day

Does FFWC pay a reliable dividends?

See FFWC dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/25 18:34
End of Day Share Price	2024/12/23 00:00
Earnings	2024/03/31
Annual Earnings	2023/06/30

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

FFW Corporation is covered by 0 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