How does REDW's PB Ratio compare to its peers?

Insufficient data to calculate REDW's Price-To-Book Ratio vs. peers for valuation analysis.

How does REDW's PB Ratio compare vs other companies in the US Banks Industry?

Insufficient data to calculate REDW's Price-To-Book Ratio vs. industry for valuation analysis.

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

Insufficient data to calculate REDW's Price-To-Book Fair Ratio for valuation analysis.

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

REDW ($150) is trading above our estimate of [[fair value]] ($48)

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.

REDW Stock Overview

Operates as the financial holding company for HomeTown Bank that provides various banking products and services in Minnesota. More details

REDW fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	0/6
Financial Health	0/6
Dividends	0/6

Risk Analysis

Latest financial reports are more than a year old

Shares are highly illiquid

Does not have a meaningful market cap ($61M)

My Notes

Capture your thoughts, links and company narrative

Redwood Financial, Inc. Competitors

Bank of the James Financial Group

NasdaqCM:BOTJ

US$63.6m

Citizens Bancorp of Virginia

OTCPK:CZBT

US$61.2m

Central Plains Bancshares

NasdaqCM:CPBI

US$59.9m

Farmers and Merchants Bancshares

OTCPK:FMFG

US$60.2m

Price History & Performance

Summary of share price highs, lows and changes for Redwood Financial
Historical stock prices
Current Share Price	US$150.00
52 Week High	US$150.00
52 Week Low	US$149.50
Beta	0
1 Month Change	0%
3 Month Change	n/a
1 Year Change	0%
3 Year Change	n/a
5 Year Change	47.78%
Change since IPO	1,664.71%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	REDW	US Banks	US Market
7D	0%	7.2%	3.2%
1Y	0%	39.2%	24.2%

Return vs Industry: REDW underperformed the US Banks industry which returned 33.5% over the past year.

Return vs Market: REDW underperformed the US Market which returned 24.4% over the past year.

Price Volatility

Is REDW's price volatile compared to industry and market?
REDW volatility
REDW Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.5%
10% most volatile stocks in US Market	18.9%
10% least volatile stocks in US Market	3.2%

Stable Share Price: REDW has not had significant price volatility in the past 3 months.

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

About the Company

Founded	Employees	CEO	Website
1924	n/a	Daryl Karsky	www.htbmn.com

Redwood Financial, Inc. operates as the financial holding company for HomeTown Bank that provides various banking products and services in Minnesota. It offers checking, savings, money market, and demand deposit accounts; IRAs and HSAs; certificates of deposit. The company also provides personal, home equity/HELOC, real estate, business, and agricultural loans.

Redwood Financial, Inc. Fundamentals Summary

How do Redwood Financial's earnings and revenue compare to its market cap?
REDW fundamental statistics
Market cap	US$60.84m
Earnings (TTM)	US$1.36m
Revenue (TTM)	US$8.26m

0.0x

P/E Ratio

0.0x

P/B Ratio

Is REDW overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
REDW income statement (TTM)
Revenue	US$8.26m
Cost of Revenue	US$0
Gross Profit	US$8.26m
Other Expenses	US$6.90m
Earnings	US$1.36m

Last Reported Earnings

Dec 31, 2010

Next Earnings Date

n/a

Earnings per share (EPS)	0
Gross Margin	0.00%
Net Profit Margin	0.00%
Debt/Equity Ratio	0.0%

How did REDW perform over the long term?

See historical performance and comparison

Dividends

1.4%

Current Dividend Yield

n/a

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/09/15 17:10
End of Day Share Price	2024/06/18 00:00
Earnings	2010/12/31
Annual Earnings	2010/12/31

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

Redwood Financial, Inc. 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