FFW Corporation Logo

FFW Corporation

FFWC

(2.5)
Stock Price

39,50 USD

0.72% ROA

8.88% ROE

10.47x PER

Market Cap.

46.816.000,00 USD

0% DER

3.08% Yield

14.23% NPM

FFW Corporation Stock Analysis

FFW Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

FFW Corporation Fundamental Stock Analysis
# Analysis Rating
1 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

2 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

4 ROE

ROE in an average range (12.28%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (1.01%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 PBV

The stock's PBV ratio (2.54x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

7 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (159), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

8 DER

The company has a high debt to equity ratio (222%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

9 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

10 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

FFW Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

FFW Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Sell
4 Stoch RSI Sell

FFW Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

FFW Corporation Revenue
Year Revenue Growth
1993 3.500.000
1994 4.100.000 14.63%
1995 3.900.000 -5.13%
1996 5.000.000 22%
1997 5.700.000 12.28%
1998 7.300.000 21.92%
1999 8.700.000 16.09%
2000 8.761.421 0.7%
2001 8.050.999 -8.82%
2002 8.874.580 9.28%
2003 9.095.368 2.43%
2004 8.705.836 -4.47%
2005 8.879.148 1.95%
2006 9.975.724 10.99%
2007 10.231.000 2.5%
2008 10.890.300 6.05%
2012 11.856.397 8.15%
2013 14.847.735 20.15%
2014 14.590.006 -1.77%
2015 17.113.736 14.75%
2016 17.561.735 2.55%
2017 18.483.079 4.98%
2018 19.813.312 6.71%
2019 21.900.636 9.53%
2020 23.695.285 7.57%
2021 21.235.558 -11.58%
2022 25.648.761 17.21%
2023 31.051.304 17.4%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

FFW Corporation Research and Development Expenses
Year Research and Development Expenses Growth
1993 0
1994 0 0%
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

FFW Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
1993 900.000
1994 1.100.000 18.18%
1995 1.100.000 0%
1996 1.200.000 8.33%
1997 1.500.000 20%
1998 1.900.000 21.05%
1999 2.000.000 5%
2000 2.386.933 16.21%
2001 2.021.239 -18.09%
2002 2.178.280 7.21%
2003 2.305.878 5.53%
2004 2.408.891 4.28%
2005 2.673.172 9.89%
2006 3.144.557 14.99%
2007 3.208.000 1.98%
2008 3.466.948 7.47%
2012 1.304.318 -165.81%
2013 1.617.498 19.36%
2014 1.393.800 -16.05%
2015 1.348.182 -3.38%
2016 1.293.682 -4.21%
2017 1.431.120 9.6%
2018 1.636.686 12.56%
2019 470.967 -247.52%
2020 850.073 44.6%
2021 448.694 -89.45%
2022 473.020 5.14%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

FFW Corporation EBITDA
Year EBITDA Growth
1993 1.700.000
1994 2.300.000 26.09%
1995 1.800.000 -27.78%
1996 2.500.000 28%
1997 2.000.000 -25%
1998 2.700.000 25.93%
1999 3.200.000 15.63%
2000 3.280.969 2.47%
2001 2.280.368 -43.88%
2002 3.083.446 26.04%
2003 3.501.602 11.94%
2004 3.520.007 0.52%
2005 1.910.843 -84.21%
2006 3.858.878 50.48%
2007 3.548.000 -8.76%
2008 3.526.240 -0.62%
2012 -1.083.470 425.46%
2013 -847.051 -27.91%
2014 -1.887.168 55.12%
2015 -1.704.912 -10.69%
2016 -954.343 -78.65%
2017 -271.541 -251.45%
2018 -133.182 -103.89%
2019 -193.904 31.32%
2020 -221.436 12.43%
2021 -213.840 -3.55%
2022 -260.345 17.86%
2023 0 0%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

FFW Corporation Gross Profit
Year Gross Profit Growth
1993 3.500.000
1994 4.100.000 14.63%
1995 3.900.000 -5.13%
1996 5.000.000 22%
1997 5.700.000 12.28%
1998 7.300.000 21.92%
1999 8.700.000 16.09%
2000 8.761.421 0.7%
2001 8.050.999 -8.82%
2002 8.874.580 9.28%
2003 9.095.368 2.43%
2004 8.705.836 -4.47%
2005 8.879.148 1.95%
2006 9.975.724 10.99%
2007 10.231.000 2.5%
2008 10.890.300 6.05%
2012 11.856.397 8.15%
2013 14.847.735 20.15%
2014 14.590.006 -1.77%
2015 17.113.736 14.75%
2016 17.561.735 2.55%
2017 18.483.079 4.98%
2018 19.813.312 6.71%
2019 21.900.636 9.53%
2020 23.695.285 7.57%
2021 21.235.558 -11.58%
2022 25.648.761 17.21%
2023 31.051.304 17.4%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

FFW Corporation Net Profit
Year Net Profit Growth
1993 1.000.000
1994 1.400.000 28.57%
1995 1.100.000 -27.27%
1996 1.600.000 31.25%
1997 1.300.000 -23.08%
1998 1.900.000 31.58%
1999 2.100.000 9.52%
2000 2.270.861 7.52%
2001 1.623.345 -39.89%
2002 2.047.735 20.72%
2003 2.358.260 13.17%
2004 2.437.085 3.23%
2005 654.345 -272.45%
2006 2.636.368 75.18%
2007 2.912.000 9.47%
2008 2.604.412 -11.81%
2012 2.259.375 -15.27%
2013 3.630.643 37.77%
2014 2.832.750 -28.17%
2015 3.790.271 25.26%
2016 4.019.026 5.69%
2017 4.804.775 16.35%
2018 4.343.760 -10.61%
2019 5.011.229 13.32%
2020 6.475.524 22.61%
2021 5.720.731 -13.19%
2022 5.697.896 -0.4%
2023 4.470.260 -27.46%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

FFW Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1993 0
1994 1 0%
1995 1 0%
1996 1 100%
1997 1 0%
1998 1 100%
1999 1 0%
2000 2 0%
2001 1 0%
2002 1 0%
2003 2 0%
2004 2 0%
2005 1 0%
2006 1 100%
2007 2 0%
2008 2 50%
2012 2 0%
2013 3 33.33%
2014 2 -50%
2015 3 33.33%
2016 3 0%
2017 4 25%
2018 4 -33.33%
2019 4 25%
2020 6 20%
2021 5 0%
2022 5 0%
2023 4 -66.67%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

FFW Corporation Free Cashflow
Year Free Cashflow Growth
1993 400.000
1994 -300.000 233.33%
1995 2.600.000 111.54%
1996 1.300.000 -100%
1997 1.900.000 31.58%
1998 2.700.000 29.63%
1999 2.400.000 -12.5%
2000 3.900.345 38.47%
2001 3.792.025 -2.86%
2002 2.507.081 -51.25%
2003 4.864.360 48.46%
2004 3.042.849 -59.86%
2005 333.239 -813.11%
2005 1.831.324 81.8%
2006 3.185.869 42.52%
2007 0 0%
2012 5.894.523 100%
2013 5.104.737 -15.47%
2014 3.302.241 -54.58%
2015 3.834.961 13.89%
2016 3.590.853 -6.8%
2017 4.961.593 27.63%
2018 5.228.956 5.11%
2019 -7.764.695 167.34%
2020 15.866.319 148.94%
2021 9.659.171 -64.26%
2022 6.518.639 -48.18%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

FFW Corporation Operating Cashflow
Year Operating Cashflow Growth
1993 800.000
1994 -100.000 900%
1995 2.700.000 103.7%
1996 1.800.000 -50%
1997 2.100.000 14.29%
1998 3.100.000 32.26%
1999 2.500.000 -24%
2000 4.002.105 37.53%
2001 4.059.374 1.41%
2002 3.292.577 -23.29%
2003 5.036.758 34.63%
2004 4.615.556 -9.13%
2005 437.381 -955.27%
2005 2.388.605 81.69%
2006 3.886.438 38.54%
2007 0 0%
2012 6.021.697 100%
2013 5.352.365 -12.51%
2014 5.399.896 0.88%
2015 4.433.755 -21.79%
2016 4.554.655 2.65%
2017 5.773.565 21.11%
2018 5.483.949 -5.28%
2019 -3.278.115 267.29%
2020 16.205.635 120.23%
2021 9.821.980 -64.99%
2022 6.801.083 -44.42%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

FFW Corporation Capital Expenditure
Year Capital Expenditure Growth
1993 400.000
1994 200.000 -100%
1995 100.000 -100%
1996 500.000 80%
1997 200.000 -150%
1998 400.000 50%
1999 100.000 -300%
2000 101.760 1.73%
2001 267.349 61.94%
2002 785.496 65.96%
2003 172.398 -355.63%
2004 1.572.707 89.04%
2005 104.142 -1410.16%
2005 557.281 81.31%
2006 700.569 20.45%
2007 0 0%
2012 127.174 100%
2013 247.628 48.64%
2014 2.097.655 88.2%
2015 598.794 -250.31%
2016 963.802 37.87%
2017 811.972 -18.7%
2018 254.993 -218.43%
2019 4.486.580 94.32%
2020 339.316 -1222.24%
2021 162.809 -108.41%
2022 282.444 42.36%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

FFW Corporation Equity
Year Equity Growth
1993 14.300.000
1994 14.400.000 0.69%
1995 15.500.000 7.1%
1996 15.500.000 0%
1997 17.100.000 9.36%
1998 19.100.000 10.47%
1999 19.400.000 1.55%
2000 19.614.920 1.1%
2001 21.993.060 10.81%
2002 22.408.789 1.86%
2003 23.640.068 5.21%
2004 22.624.080 -4.49%
2005 23.328.014 3.02%
2006 23.875.639 2.29%
2007 23.557.000 -1.35%
2008 25.653.259 8.17%
2012 31.322.026 18.1%
2013 33.830.144 7.41%
2014 33.682.173 -0.44%
2015 37.449.345 10.06%
2016 37.750.342 0.8%
2017 40.011.447 5.65%
2018 44.737.573 10.56%
2019 49.198.100 9.07%
2020 52.953.803 7.09%
2021 46.648.482 -13.52%
2022 46.384.563 -0.57%
2023 48.514.939 4.39%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

FFW Corporation Assets
Year Assets Growth
1993 92.200.000
1994 122.500.000 24.73%
1995 147.300.000 16.84%
1996 150.500.000 2.13%
1997 180.100.000 16.44%
1998 203.300.000 11.41%
1999 217.500.000 6.53%
2000 219.037.032 0.7%
2001 231.186.462 5.26%
2002 237.828.441 2.79%
2003 242.771.081 2.04%
2004 239.909.517 -1.19%
2005 256.940.176 6.63%
2006 280.898.120 8.53%
2007 289.443.000 2.95%
2008 307.626.639 5.91%
2012 337.817.683 8.94%
2013 335.495.980 -0.69%
2014 334.056.148 -0.43%
2015 343.415.198 2.73%
2016 368.994.345 6.93%
2017 380.812.109 3.1%
2018 415.918.637 8.44%
2019 463.170.618 10.2%
2020 488.015.911 5.09%
2021 535.997.648 8.95%
2022 544.215.480 1.51%
2023 567.362.921 4.08%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

FFW Corporation Liabilities
Year Liabilities Growth
1993 2.000.000
1994 25.500.000 92.16%
1995 45.300.000 43.71%
1996 135.000.000 66.44%
1997 163.000.000 17.18%
1998 184.200.000 11.51%
1999 66.300.000 -177.83%
2000 64.167.542 -3.32%
2001 62.396.906 -2.84%
2002 54.362.554 -14.78%
2003 52.038.331 -4.47%
2004 55.733.017 6.63%
2005 53.625.292 -3.93%
2006 58.910.506 8.97%
2007 265.886.000 77.84%
2008 58.721.514 -352.79%
2012 306.495.657 80.84%
2013 1.521.560 -20043.51%
2014 1.562.878 2.64%
2015 305.965.853 99.49%
2016 331.244.003 7.63%
2017 340.800.662 2.8%
2018 371.181.064 8.18%
2019 413.972.518 10.34%
2020 435.062.108 4.85%
2021 489.349.166 11.09%
2022 497.830.917 1.7%
2023 518.847.982 4.05%

FFW Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
26.09
Net Income per Share
3.63
Price to Earning Ratio
10.47x
Price To Sales Ratio
1.59x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.88
EV to Sales
1.59
EV Over EBITDA
-359.42
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.1
FreeCashFlow Yield
0
Market Cap
0,05 Bil.
Enterprise Value
0,05 Bil.
Graham Number
59.31
Graham NetNet
-460.58

Income Statement Metrics

Net Income per Share
3.63
Income Quality
0
ROE
0.09
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.93
EBT Per Ebit
0.46
Ebit per Revenue
0.33
Effective Tax Rate
0.07

Margins

Sales, General, & Administrative to Revenue
0.05
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.33
Pretax Profit Margin
0.15
Net Profit Margin
0.14

Dividends

Dividend Yield
0.03
Dividend Yield %
3.08
Payout Ratio
0
Dividend Per Share
1.17

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.28
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
0,00
Book Value per Share
43,07
Tangible Book Value per Share
41.99
Shareholders Equity per Share
43.07
Interest Debt per Share
0.14
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
0
Current Ratio
0.42
Tangible Asset Value
0,05 Bil.
Net Current Asset Value
-0,50 Bil.
Invested Capital
-18764215
Working Capital
-0,03 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

FFW Corporation Dividends
Year Dividends Growth
2005 0
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 1 0%
2021 2 100%
2022 1 -100%
2023 2 50%
2024 1 0%

FFW Corporation Profile

About FFW Corporation

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.

CEO
Mr. Roger K. Cromer
Employee
67
Address
1205 North Cass Street
Wabash, 46992

FFW Corporation Executives & BODs

FFW Corporation Executives & BODs
# Name Age
1 Ms. Bethany A. Bruss
Secretary
70
2 Mr. Roger K. Cromer
President, Chief Executive Officer & Director
70
3 Ms. Emily S. Boardman CPA
Treasurer
70
4 Mr. Nathan B. Fansher
Executive Vice President & Chief Credit Officer
70

FFW Corporation Competitors