IBW Financial (IBWC) Stock Overview

Operates as the bank holding company for Industrial Bank that provides various banking and financial products and services to individuals and small business in the District of Columbia. More details

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

Risk Analysis

Shares are highly illiquid

Earnings have declined by 46% per year over past 5 years

Does not have a meaningful market cap ($34M)

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IBW Financial Corporation Competitors

Price History & Performance

Summary of share price highs, lows and changes for IBW Financial
Historical stock prices
Current Share Price	US$52.81
52 Week High	US$52.81
52 Week Low	US$35.50
Beta	-0.035
1 Month Change	12.24%
3 Month Change	25.74%
1 Year Change	33.93%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	195.44%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	IBWC	US Banks	US Market
7D	10.0%	-0.4%	1.9%
1Y	33.9%	19.3%	20.3%

Return vs Industry: IBWC exceeded the US Banks industry which returned 19.3% over the past year.

Return vs Market: IBWC exceeded the US Market which returned 20.3% over the past year.

Price Volatility

Is IBWC's price volatile compared to industry and market?
IBWC volatility
IBWC Average Weekly Movement	n/a
Banks Industry Average Movement	3.3%
Market Average Movement	7.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: IBWC's share price has been volatile over the past 3 months compared to the US market.

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

About the Company

Founded	Employees	CEO	Website
1934	n/a	Benson Mitchell	www.industrial-bank.com

IBW Financial Corporation operates as the bank holding company for Industrial Bank that provides various banking and financial products and services to individuals and small business in the District of Columbia. It offers savings, checking, money market, individual retirement accounts; certificates of deposit; mortgages; and investments. The company also provides commercial term and real estate, consumer, construction and land development, commercial and industrial, small business administration, and residential real estate loans; letters of credit; non-profit and faith-based lending; short- and long-term financing; and credit and debit cards.

IBW Financial Corporation Fundamentals Summary

How do IBW Financial's earnings and revenue compare to its market cap?
IBWC fundamental statistics
Market cap	US$34.10m
Earnings (TTM)	-US$1.33m
Revenue (TTM)	US$29.11m

0.9x

P/B Ratio

1.2x

P/S Ratio

Is IBWC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
IBWC income statement (TTM)
Revenue	US$29.11m
Cost of Revenue	US$0
Gross Profit	US$29.11m
Other Expenses	US$30.44m
Earnings	-US$1.33m

Last Reported Earnings

Dec 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	-2.06
Gross Margin	100.00%
Net Profit Margin	-4.58%
Debt/Equity Ratio	41.1%

How did IBWC perform over the long term?

See historical performance and comparison

Dividends

0.2%

Current Dividend Yield

-6%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/07/01 01:39
End of Day Share Price	2026/06/29 00:00
Earnings	2025/12/31
Annual Earnings	2025/12/31

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.

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 Github.

Analyst Sources

IBW Financial 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.