FFW Corporation (FFWC)
OTHER OTC:FFWC
Want to see FFWC full AI Analyst Report?
Top Page
FFW
(OTC:FFWC)
Select Model
Select Model
Rating:75Outperform
Price Target:
$57.00
▲(19.62% Upside)
Action:Reiterated
Date:12/30/25
The score is driven primarily by solid financial fundamentals led by a strong balance sheet and steady profitability, plus supportive valuation with a low P/E and a moderate dividend yield. Technicals are constructive due to the uptrend, but overbought indicators temper the overall rating.
Positive Factors
Conservative balance sheet
Low leverage and a conservatively positioned balance sheet provide durable financial flexibility. With debt-to-equity near zero historically and only modest debt in 2025, the bank can absorb shocks, fund organic growth or capital returns, and maintain regulatory/commercial stability over months.
Negative Factors
Uneven revenue trends
Marked top-line volatility, including a sharp 2025 decline versus 2024, undermines predictability of earnings and planning. For a regional bank, inconsistent revenue makes forecasting loan growth, provisioning and expense control harder and raises execution risk over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Low leverage and a conservatively positioned balance sheet provide durable financial flexibility. With debt-to-equity near zero historically and only modest debt in 2025, the bank can absorb shocks, fund organic growth or capital returns, and maintain regulatory/commercial stability over months.
Read all positive factors
FFW (FFWC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$62.89M
Dividend Yield2.65%
Average Volume (3M)250.00
Price to Earnings (P/E)8.8
Beta (1Y)-0.01
Revenue Growth4.05%
EPS Growth24.25%
CountryUS
Employees67
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.01
Shares Outstanding1,232,000
10 Day Avg. Volume283
30 Day Avg. Volume250
Financial Highlights & Ratios
PEG Ratio0.21
Price to Book (P/B)0.89
Price to Sales (P/S)2.09
P/FCF Ratio7.92
Enterprise Value/Market Cap0.95
Enterprise Value/Revenue2.24
Enterprise Value/Gross Profit3.18
Enterprise Value/Ebitda9.82
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
FFW Business Overview & Revenue Model
Company Description
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 lo...
How the Company Makes Money
null...
FFW Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
84
Very Positive
Cash Flow
60
Neutral
| Breakdown | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 | Jun 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 21.15M | 29.39M | 25.65M | 21.24M | 23.32M |
| Gross Profit | 21.15M | 18.62M | 20.42M | 19.82M | 21.28M |
| EBITDA | 6.11M | 5.62M | 7.60M | 8.04M | 9.18M |
| Net Income | 5.54M | 4.09M | 5.70M | 5.72M | 6.48M |
Balance Sheet | |||||
| Total Assets | 570.11M | 567.36M | 544.22M | 536.00M | 488.02M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 16.92M | 13.35M | 55.58M | 56.43M |
| Total Debt | 10.00M | 0.00 | 2.10M | 0.00 | 0.00 |
| Total Liabilities | 520.16M | 518.85M | 497.83M | 489.35M | 435.06M |
| Stockholders Equity | 49.94M | 48.51M | 46.38M | 46.65M | 52.95M |
Cash Flow | |||||
| Free Cash Flow | 5.59M | 4.52M | 6.52M | 9.66M | 15.87M |
| Operating Cash Flow | 6.22M | 4.65M | 6.80M | 9.82M | 16.21M |
| Investing Cash Flow | -10.48M | -21.00M | -54.28M | -64.13M | -14.64M |
| Financing Cash Flow | -1.85M | 19.92M | 5.26M | 53.46M | 18.70M |
FFW Technical Analysis
Neutral
47.65
Price Trends
50.30
Positive
49.35
Positive
46.63
Positive
Market Momentum
0.34
Positive
52.43
Neutral
40.88
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FFWC, the sentiment is Neutral. The current price of 47.65 is below the 20-day moving average (MA) of 51.20, below the 50-day MA of 50.30, and above the 200-day MA of 46.63, indicating a neutral trend. The MACD of 0.34 indicates Positive momentum. The RSI at 52.43 is Neutral, neither overbought nor oversold. The STOCH value of 40.88 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for FFWC.
FFW Peers Comparison
UnderperformOutperform
Sector (68)
FFWC
FFW
51.59
12.83
33.11%
ASRV
Ameriserv Financial
3.74
0.86
29.82%
FSEA
First Seacoast Bancorp
16.81
5.51
48.76%
CLST
Catalyst Bancorp
15.95
4.10
34.60%
NSTS
NSTS Bancorp
13.72
1.36
11.00%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.