FFW AI Stock Analysis
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FFW (FFWC) AI Stock Analysis
FFW
(Other OTC:FFWC)
FFWC earns a score of 72, reflecting a fundamentally sound regional bank with attractive valuation characteristics. The most significant positive factors are the compelling P/E ratio of 8.98 and 2.56% dividend yield, offering value and income. Financial performance shows recovery with improving margins and conservative leverage, though cash flow trends warrant attention. Technical indicators support a bullish outlook with price trading above all major moving averages and positive MACD. The near-zero beta provides portfolio diversification benefits. Key risks include historical margin and cash flow volatility, and the recent addition of debt. Overall, FFWC presents as a reasonably valued, financially stable regional bank with improving operational trends.
FFW (FFWC) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $58.24M
- Dividend Yield
- 2.28%
- Average Volume (3M)
- 636
- Price to Earnings (P/E)
- 8.3
- Beta (1Y)
- 0.05
- Revenue Growth
- 5.81%
- EPS Growth
- 21.05%
- Country
- US
- Employees
- 67
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
FFW Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
null
FFW Financial Statement Overview
Summary
FFW demonstrates solid financial health with a recovering net profit margin of 26.2%, strong 15.9% revenue growth to $21.1M, and improving ROE of 11.1%. Balance sheet is conservative with debt-to-equity of 0.20, though new $10M debt warrants monitoring. Cash flow improved 34% YoY to $6.2M operating cash flow, but remains below 2021 peaks. The combined income statement score of 68, balance sheet score of 72, and cash flow score of 62 reflect a stable regional bank with improving trends but some historical volatility.
Income Statement
68PositiveBalance Sheet
72PositiveCash Flow
62Positive| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 34.75M | 34.03M | 21.15M | 29.39M | 25.65M | 21.24M |
| Gross Profit | 24.25M | 23.46M | 21.15M | 18.62M | 20.42M | 19.82M |
| EBITDA | 7.95M | 7.42M | 6.11M | 5.62M | 7.60M | 8.04M |
| Net Income | 6.99M | 6.59M | 5.54M | 4.09M | 5.70M | 5.72M |
Balance Sheet | ||||||
| Total Assets | 610.14M | 613.96M | 570.11M | 567.36M | 544.22M | 536.00M |
| Cash, Cash Equivalents and Short-Term Investments | 4.66M | 6.01M | 7.17M | 16.92M | 13.35M | 55.58M |
| Total Debt | 10.00M | 10.00M | 10.00M | 0 | 2.10M | 0 |
| Total Liabilities | 553.51M | 555.34M | 520.16M | 518.85M | 497.83M | 489.35M |
| Stockholders Equity | 56.64M | 58.62M | 49.94M | 48.51M | 46.38M | 46.65M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 0 | 5.59M | 4.52M | 6.52M | 9.66M |
| Operating Cash Flow | 0 | 0 | 6.22M | 4.65M | 6.80M | 9.82M |
| Investing Cash Flow | 0 | 0 | -10.48M | -21.00M | -54.28M | -64.13M |
| Financing Cash Flow | 0 | 0 | -1.85M | 19.92M | 5.26M | 53.46M |
FFW Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FFWC, the sentiment is Negative. The current price of 53.65 is below the 20-day moving average (MA) of 53.79, below the 50-day MA of 54.71, and above the 200-day MA of 51.54, indicating a neutral trend. The MACD of -0.17 indicates Negative momentum. The RSI at 45.32 is Neutral, neither overbought nor oversold. The STOCH value of 35.61 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FFWC.
FFW Peers Comparison
Overall Rating
ASRV77Outperform- FFWC72Outperform
CLST68Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ASRV | 77Outperform | $80.36M | 9.12 | 7.48% | 2.45% | 2.43% | 75.47% |
| FFWC | 72Outperform | $58.17M | 8.34 | 12.34% | 2.28% | 5.81% | 21.05% |
| CLST | 68Neutral | $71.09M | 24.30 | 3.06% | ― | 31.73% | 17.80% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| FFWC | FFW Corporation | 53.65 | 9.53 | 21.61% | |
| ASRV | AmeriServ Financial, Inc. | 4.90 | 1.96 | 66.55% | |
| CLST | Catalyst Bancorp, Inc. | 17.38 | 2.60 | 17.56% |
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.
Date of analysis: Dec 30, 2025