FFW (FFWC) AI Stock Analysis

• Market Cap: $49.71M
• Dividend Yield: 2.95%
• Average Volume (3M): 119.00
• Price to Earnings (P/E): 8.7
• Beta (1Y): 0.01
• Revenue Growth: 12.46%
• EPS Growth: 21.65%
• Country: US
• Employees: 67
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 4.66
• Shares Outstanding: 1,232,000
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 119
• PEG Ratio: 0.76
• Price to Book (P/B): 0.87
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.33
• Enterprise Value/Revenue: 0.58
• Enterprise Value/Gross Profit: 2.15
• Enterprise Value/Ebitda: 10.81
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 75 Outperform
• Price Target: ―

FFW demonstrates solid financial health with strong profitability and a robust balance sheet, though it needs to address revenue growth and cash flow challenges. The technical analysis presents mixed signals with potential bearish momentum. However, the stock remains attractively valued with a low P/E ratio and a good dividend yield. Overall, FFW is a stable investment with some areas for improvement.

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 loan products include home equity, auto, RV, boat, motorcycle, and personal loans; mortgage loans; agricultural loans; commercial real estate equipment financing; revolving lines of credit and standby letters of credit; and equipment leasing, as well as commercial lending services. The company offers insurance products, such as auto, home and property, business, life and health, and specialty insurance; investment products and securities; and digital banking services. FFW Corporation was founded in 1920 and is based in Wabash, Indiana.

How the Company Makes Money

FFW makes money primarily through providing digital consultancy and development services. The company's revenue streams include project-based fees for web development and design services, ongoing retainer fees for digital strategy consulting, and licensing fees for proprietary digital tools or platforms. Additionally, FFW may engage in significant partnerships with technology providers to enhance its service offerings, which can contribute to its earnings through collaborative projects and revenue-sharing agreements.

FFW Financial Statement Overview

Summary

FFW exhibits robust financial health with strong balance sheet metrics and profitability. However, it faces challenges in revenue growth and cash flow stability, making operational efficiency and cash flow management crucial for sustaining long-term growth.

Income Statement

FFW demonstrates solid profitability with a consistent gross profit margin over the years. However, the revenue growth rate has been inconsistent, with a decline noted in the latest year. The net profit margin has slightly decreased, indicating some pressure on profitability. The EBIT margin shows a reduction, indicating potential operational challenges. Despite this, the EBITDA margin remains strong, showcasing good control over operational expenses.

Balance Sheet

The balance sheet of FFW is strong, characterized by zero debt, leading to a healthy debt-to-equity ratio. The equity ratio is stable and indicates a well-capitalized company. Return on Equity has decreased slightly, suggesting reduced profitability on equity. Overall, the company's financial health remains robust with high liquidity and low leverage.

Cash Flow

FFW shows volatility in its free cash flow growth rate, with a recent decline. Operating cash flow to net income ratio indicates efficient cash generation from operations, though it has decreased recently. The free cash flow to net income ratio suggests that cash flow generation relative to net income needs improvement. Overall, cash flow management remains an area for potential enhancement.

Breakdown
TTM	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement		Total Revenue
27.52M	18.62M	25.65M	21.24M	23.70M	21.90M
	Gross Profit
30.61M	29.39M	25.65M	21.24M	23.70M	21.90M
	EBIT
10.68M	4.40M	6.68M	6.73M	7.86M	6.03M
	EBITDA
2.36M	0.00	7.60M	8.04M	9.13M	7.16M
	Net Income Common Stockholders
4.35M	4.09M	5.70M	5.72M	6.48M	5.01M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
7.05M	16.92M	13.35M	55.58M	56.43M	36.16M
	Total Assets
556.70M	567.36M	544.22M	536.00M	488.02M	463.17M
	Total Debt
6.50M	0.00	2.10M	0.00	0.00	0.00
	Net Debt
-545.83K	-16.92M	-11.25M	-55.58M	-56.43M	-36.16M
	Total Liabilities
508.74M	518.85M	497.83M	489.35M	435.06M	413.97M
	Stockholders Equity
47.96M	48.51M	46.38M	46.65M	52.95M	49.20M
Cash Flow		Free Cash Flow
0.00	4.52M	6.52M	9.66M	15.87M	-7.76M
	Operating Cash Flow
0.00	4.65M	6.80M	9.82M	16.21M	-3.28M
	Investing Cash Flow
0.00	-21.00M	-54.28M	-64.13M	-14.64M	-27.69M
	Financing Cash Flow
0.00	19.92M	5.26M	53.46M	18.70M	40.37M

FFW Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 40.35
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FFWC, the sentiment is Positive. The current price of 40.35 is above the 20-day moving average (MA) of 40.17, above the 50-day MA of 40.09, and above the 200-day MA of 38.57, indicating a bullish trend. The MACD of 0.08 indicates Negative momentum. The RSI at 53.21 is Neutral, neither overbought nor oversold. The STOCH value of 48.72 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FFWC.

FFW Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FFWC	75 Outperform	$49.71M	8.67	10.62%	2.95%	12.46%	21.65%
OPHC	75 Outperform	$52.76M	3.28	15.30%	―	43.98%	37.57%
Sector *	64 Neutral	$12.78B	9.87	7.67%	17015.06%	12.34%	-5.99%
FSEA		$53.14M	―	-0.80%	―	―	―
CFSB	60 Neutral	$52.65M	―	>-0.01%	―	13.69%	77.14%
CLST	57 Neutral	$48.91M	21.24	2.70%	―	152.27%	―
TCBS	48 Neutral	$47.40M	23.26	3.88%	1.03%	19.16%	―