IBW Financial Past Earnings Performance
Past criteria checks 4/6
IBW Financial's earnings have been declining at an average annual rate of -3.4%, while the Banks industry saw earnings growing at 9.3% annually. Revenues have been growing at an average rate of 6% per year. IBW Financial's return on equity is 2.1%, and it has net margins of 7.8%.
Key information
-3.4%
Earnings growth rate
-4.8%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 6.0% |
| Return on equity | 2.1% |
| Net Margin | 7.8% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
No updates
Recent updates
No updates
Revenue & Expenses Breakdown
How IBW Financial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 23 | 33 | 3 | 25 | 0 |
| 31 Dec 22 | 28 | 1 | 22 | 0 |
| 31 Dec 21 | 29 | 2 | 23 | 0 |
| 31 Dec 20 | 34 | 6 | 23 | 0 |
| 31 Dec 19 | 27 | 4 | 18 | 0 |
| 31 Dec 18 | 21 | 1 | 17 | 0 |
| 30 Jun 18 | 20 | 1 | 12 | 0 |
| 31 Mar 18 | 20 | 1 | 12 | 0 |
| 31 Dec 17 | 20 | 1 | 17 | 0 |
| 31 Dec 16 | 20 | 2 | 16 | 0 |
| 31 Dec 15 | 20 | 1 | 16 | 0 |
| 30 Sep 15 | 21 | 2 | 15 | 0 |
| 30 Jun 15 | 21 | 2 | 15 | 0 |
| 31 Mar 15 | 21 | 2 | 15 | 0 |
| 31 Dec 14 | 21 | 2 | 15 | 0 |
| 31 Dec 13 | 20 | 1 | 15 | 0 |
Quality Earnings: IBWC has high quality earnings.
Growing Profit Margin: IBWC's current net profit margins (7.8%) are higher than last year (4.5%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: IBWC's earnings have declined by 3.4% per year over the past 5 years.
Accelerating Growth: IBWC's earnings growth over the past year (105.2%) exceeds its 5-year average (-3.4% per year).
Earnings vs Industry: IBWC earnings growth over the past year (105.2%) exceeded the Banks industry -14%.
Return on Equity
High ROE: IBWC's Return on Equity (2.1%) is considered low.