FFW (FFWC) AI Stock Analysis

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FFW

(Other OTC:FFWC)

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Rating:78Outperform

Price Target:$61.00▲(13.70% Upside)

Action:initiatedcoverage

Date:01/13/26

FFWC's overall stock score of 78 reflects a strong valuation (score: 85) with an attractive P/E ratio (8.98) and dividend yield (2.56%), supported by positive technical momentum (score: 80) as the stock trends above key moving averages. Financial performance (score: 73) is solid with a stable balance sheet but tempered by inconsistent profitability and cash flow trends. These factors suggest a promising investment with some operational risks to monitor.

Positive Factors

Balance Sheet StrengthA 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.

Negative Factors

Revenue VolatilityUneven 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.

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

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FFW Financial Statement Overview

Summary

FFWC's financial performance is solid but mixed. The balance sheet scores high with low debt (debt-to-equity ratio of 0.20) and steady equity growth ($49.9M in 2025). Income statement shows recent revenue growth (15.89%) but inconsistent profitability margins (13.9% in 2024 to 26.2% in 2025). Cash flow is weaker due to fluctuating trends despite positive operating cash flow ($6.2M in 2025). Stability is a strength, but volatility in earnings and cash flow limits the score.

Income Statement

75Positive

Balance Sheet

80Positive

Cash Flow

65Positive

Financial statement breakdown
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

Technical Analysis SentimentNegative

Last Price53.65

Price Trends

50DMA54.71Negative

100DMA53.73Negative

200DMA51.54Positive

Market Momentum

MACD-0.17Negative

RSI45.32Neutral

STOCH35.61Neutral

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

UnderperformOutperform

Sector (68)

Financial Indicators

FFWC against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FFWC	78Outperform	$58.17M	8.34	12.34%	2.28%	5.81%	21.05%
ASRV	77Outperform	$80.36M	9.12	7.48%	2.45%	2.43%	75.47%
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

FFWC and its peers over the selected period
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%

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.

Date of analysis: Dec 30, 2025

FFW AI Stock Analysis