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FFW (FFWC) Stock Price & Analysis
FFWC Stock Chart & Stats
- Day’s Range
- $53.18 - $54.40
- 52-Week Range
- $44.60 - $59.00
- Previous Close
- $54.30
- Volume
- 3,038
- Average Volume (3M)
- 181
- Market Cap
- $58.32M
- Enterprise Value
- $65.47M
- Total Cash (Recent Filing)
- $6.01M
- Total Debt (Recent Filing)
- $10.00M
- Price to Earnings (P/E)
- 8.4
- Beta
- 0.04
- Next Earnings
- Jan 27, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Sep 11, 2026
- Dividend Yield
- 2.27%
Bulls Say, Bears Say
Bulls Say
Balance Sheet Strength
A conservatively positioned balance sheet with near-zero leverage and consistent ROE (8–12%) gives the company durable financial flexibility. Over the next several months this supports shock absorption, capacity to fund strategic investments or dividends, and lower refinancing risk relative to peers.
Margin Sustainability
Sustained net margins in the low-to-mid 20% range (≈26% in 2025) indicate durable earnings power and operational efficiency. Stable margins improve resilience to revenue variability, enable reinvestment and shareholder returns, and underpin longer-term cash generation capacity.
Cash Conversion Quality
Free cash flow converting at ~90–98% of net income signals strong earnings quality and reliable cash realization from reported profits. This close linkage supports sustainable dividend funding, potential buybacks, and balance-sheet strengthening over the medium term despite periodic volatility.
Bears Say
Revenue Volatility
Uneven revenue trends and a sharp 2025 step-down versus 2024 point to variability in demand or client concentration. This top-line instability reduces predictability of future earnings, complicates multi-quarter planning and investment pacing, and increases execution risk for strategic initiatives.
Cash Flow Volatility
Historical volatility in operating cash flow, including a negative reading in 2020 and a multi-year decline in free cash flow from the 2021 peak, signals inconsistent cash generation. That undermines reliable funding for growth or payouts and raises sensitivity to operational setbacks over the medium term.
Rising Leverage Watch
An observable increase in debt in 2025 from prior near-zero levels marks a shift from historically conservative funding. While currently manageable, continued leverage buildup would reduce financial flexibility, increase interest expense exposure, and heighten refinancing risk if market conditions or rates change.
FFWC FAQ
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FFW Stock Smart Score
Company Description
FFW
FFW Corporation serves as the parent holding company for Crossroads Bank, through which it delivers a comprehensive array of banking and financial services. The bank provides essential deposit accounts such as checking and savings, alongside services like overdraft protection, consumer credit cards, and convenient check reordering. Its extensive lending portfolio encompasses diverse options, including personal and consumer financing for home equity, mortgages, vehicles (auto, RV, boat, motorcycle), and other individual loans. For commercial enterprises and agricultural clients, Crossroads Bank extends specialized agricultural loans, commercial real estate financing, equipment leasing, and working capital solutions like revolving lines of credit and standby letters of credit. Beyond its core banking operations, FFW Corporation also offers various insurance products, covering auto, home, property, business, life, health, and specialty needs. Customers can additionally access investment products and securities, all complemented by modern digital banking services. The corporation, founded in 1920, is based in Wabash, Indiana.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Roger K. Cromer
- Employees
- 67
- Website
- www.crossroadsbanking.com
- Address
- 1205 North Cass Street, Wabash, IN, 46992, US
FFW (FFWC) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 6 | 6 | 10 |
| Technical Analysis | 2 | 6 | 2 |
| Moving Averages | 4 | 0 | 8 |