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IBW Financial Corporation (IBWC) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of IBW Financial Corporation stock $104, price $52.00, upside +100.0%, quality 45 out of 100. Rating: strongly undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

IF IBW Financial Corporation logo Some data Nov 8, 2026

IBW Financial Corporation

IBWC · US
Cheap, value-trap risk

The stock costs 50% less than our calculation considers fair.

Fair value $104.00 · Strongly undervalued
0.3% dividend yield · Low payout
Even on cautious assumptions the value is 61% above the price ($83.92).
Quality 45/100
Thin margins · 1.5% net margin (TTM)
Some data
Weak Growth (revenue 5y +1.9 %/yr in USD)
Trails peers (4/13)
Narrow moat 27/100
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$103.00 $15.63 Fair Value $104.00 Jul 2015 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $15.63 – $103.00 · fair‑value band $83.92 – $139.87 · the $52.00 price screens below the $104.00 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

IBW Financial Corporation operates as the bank holding company for Industrial Bank that provides various banking and financial products and services to individuals and small business in the District of Columbia.

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It offers savings, checking, money market, individual retirement accounts; certificates of deposit; mortgages; and investments.

The company also provides commercial term and real estate, consumer, construction and land development, commercial and industrial, small business administration, and residential real estate loans; letters of credit; non-profit and faith-based lending; short- and long-term financing; and credit and debit cards.

In addition, it offers automated teller machines; e-statements; bill pay and cash management services; wire manager solutions; and online and mobile banking services. The company was founded in 1934 and is based in Washington, District Of Columbia.

Stock analysis

IBW Financial Corporation (IBWC) currently trades at $52.00, while our model-based Fair Value estimate is $104.00, implying the stock looks roughly 50% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $150.15 per share, and 4 of the 6 models we run sit above the $52.00 price.

Bear case: the Dividend Discount group reads lowest at $51.94, and 2 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $83.92 (bear) to $139.87 (bull), the price of $52.00 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 45/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue growth is weak: less than 2 % a year.

IBW Financial Corporation reported revenue of $41.5M in FY2025 versus $30.7M in FY2021, a compound +7.8%/yr. Reported net income was $432K in FY2025, compounding −35.7%/yr from FY2021.

Key figures

Market cap $33.6M Micro · P/S ratio 1.15 · EPS (TTM) $−2.06 · Dividend yield 0.3% · Net margin 1.0% · Return on equity 0.3% · Return on assets (EBIT) 0.4% (5-year average) · Operating margin 4.7%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 27 out of 100 (medium confidence).

What moves the price

The share trades about 50% below its 52-week high and 41% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 100%, IBWC screens cheaper than that median.

Fair Value models

Bear $83.92 Fair Value $104.00 Bull $139.87
Price $52.00 · Upside +100.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $126.69 $132.66 $142.30 76
DDM Multi-Stage $27.43 $44.08 $62.33 66
Gordon GGM $27.43 $59.80 $100.43 65
All 6 models by family
Dividend Discount
Gordon GGM $27.43 $59.80 $100.43 65
DDM Multi-Stage $27.43 $44.08 $62.33 66
Multiples
P/E Multiple $6.52 $8.70 $10.87 63
P/B Multiple $218.70 $291.60 $364.50 55
Asset-Based
NCAV (Graham) $104.14 $139.55 $208.29 54
Economic Profit
Residual Income $126.69 $132.66 $142.30 76

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Quality Score breakdown

Overall quality 45/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 12
How much profit the company makes from its sales and capital
Quality Growth 41
Are margins and returns getting better?
Cashflow 59
Do the profits arrive as real cash?
Financial strength 2
Debt, balance sheet and risk of trouble
Investment 90
Does it invest with discipline instead of growing at any price?
Low Volatility 50
How calm the share price moves, does not count
Price momentum 52
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 47
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 40/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
+26.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.9%
Start year 2020 (pandemic). Over 10 years: +7.6% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.4%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−36.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−37.0%
Dividend (yield on the price)0.3%
Profit margin 2019 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.24% → 1%

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 3/12 measures
Overall it trails its industry peers.
Valuation
Quality Score 45 · Bottom 25%
Fair Value upside +100.0% · Top 25%
Profitability
Return on equity (12 months) 0.3% · Bottom 25%
Return on assets 0.1% · Bottom 25%
Net margin (12 months) 1.5% · Bottom 25%
Operating margin (12 months) 4.7% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 4.5% · Below median
Dividend yield (12 months) 0.3% · Bottom 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/B 0.25× · Cheapest 25%
P/S (12 months) 1.15× · Cheapest 25%
Price / free cash flow (fiscal year) 13.7× · Pricier than median
EV/EBITDA 24.1× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 8
FUTURE (revenue growth)23 · sector 47
PAST (return on equity)1 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)5 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs IBWC
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs IBWC
BNP Paribas SA BNP €91.93 €106.01 +15% vs IBWC
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs IBWC
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs IBWC
UniCredit S.p.A UCG €76.80 €50.44 −34% vs IBWC
Mizuho Financial Group MFG $9.40 $5.89 −37% vs IBWC
DBS Group D05 69.72 SGD 40.39 SGD −42% vs IBWC
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs IBWC
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs IBWC

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IBW Financial Corporation: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "IBW Financial Corporation Fair Value". https://www.fairvalue-calculator.com/stock/IBWC

Frequently asked questions

Is IBW Financial Corporation (IBWC) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $104.00 versus a price of $52.00, about +100% upside (undervalued).
What is the fair value of IBWC?
Our model-based fair value for IBW Financial Corporation is $104.00 (as of Nov 8, 2026), built from audited fundamentals. The current price: $52.00.
What is the quality score of IBWC?
IBW Financial Corporation has a Quality Score of 45/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for IBW Financial Corporation (IBWC)?
Our model-based price target is the fair value of $104.00 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $83.92, optimistic scenario $139.87. It is a calculation from audited fundamentals, not an analyst target.
What is the IBW Financial Corporation stock forecast for 2026?
Our models put fair value at $104.00, about +100% upside versus a price of $52.00 (undervalued). Cautious scenario $83.92, optimistic scenario $139.87. The calculation is refreshed regularly with new filings.
What is the revenue of IBW Financial Corporation (IBWC)?
IBW Financial Corporation reported trailing-twelve-month revenue of about $29.1M (latest available figure, as of Nov 8, 2026).
Does IBW Financial Corporation pay a dividend?
IBW Financial Corporation currently shows a dividend yield of 0.25% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of IBW Financial Corporation (IBWC) and when is the ex-dividend date?
IBW Financial Corporation pays a dividend of $0.13 per share a year, a dividend yield of 0.3%. The last ex-dividend date was Dec 8, 2025. A dividend has been paid every year since 2013. The payout ratio is 19.4% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of IBW Financial Corporation (IBWC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For IBW Financial Corporation it is $104.00 per share (as of Nov 8, 2026), against a price of $52.00. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is IBW Financial Corporation stock overvalued or undervalued in 2026?
As of Nov 8, 2026, IBWC trades below its calculated fair value: price $52.00, fair value $104.00, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of IBWC?
No. The price is what the market pays today ($52.00); the fair value is what the company's own numbers justify ($104.00). For IBW Financial Corporation the two are $52.00 per share apart. That gap is exactly why we show both numbers side by side.
How much is IBW Financial Corporation worth?
The market values IBW Financial Corporation at about $33.6M (market capitalisation, as of Nov 8, 2026). Per share that is $52.00; our models calculate a fair value of $104.00 per share.
What do the bullish and bearish scenarios say about IBWC?
Our models span a range for IBW Financial Corporation: cautious scenario $83.92, base $104.00, optimistic $139.87 per share (as of Nov 8, 2026, price $52.00). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of IBW Financial Corporation (IBWC)?
Balance-sheet figures for IBW Financial Corporation (as of Nov 8, 2026): return on equity 0.3%. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is IBWC from its 52-week high?
IBW Financial Corporation trades at $52.00, about 50% below its 52-week high of $103.00 and 41% above the low of $36.75 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $104.00 is for.
Which stocks are comparable to IBW Financial Corporation?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is IBW Financial Corporation stock attractive at the current price?
The data as of Nov 8, 2026: price $52.00, calculated fair value $104.00 (+100%), Quality Score 45/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of IBWC calculated?
We run IBW Financial Corporation through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $104.00 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. IBW Financial Corporation currently trades 50% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of IBW Financial Corporation (IBWC)?
The closing price on Nov 6, 2026 was $52.00. Our model-based fair value is $104.00, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with IBW Financial Corporation right now?
The large discount to fair value meets weak quality (45/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case ($83.92). The market is more pessimistic than our downside scenario. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of IBW Financial Corporation

How large is the market capitalisation of IBW Financial Corporation (IBWC)?
The market capitalisation of IBW Financial Corporation is $33.6M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of IBW Financial Corporation (IBWC)?
The price-to-sales ratio of IBW Financial Corporation is 1.15 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of IBW Financial Corporation (IBWC)?
Earnings per share at IBW Financial Corporation are $−2.06. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of IBW Financial Corporation (IBWC)?
The dividend yield of IBW Financial Corporation is 0.3%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of IBW Financial Corporation (IBWC)?
The net margin of IBW Financial Corporation is 1.0% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of IBW Financial Corporation (IBWC)?
The return on equity (ROE) of IBW Financial Corporation is 0.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of IBW Financial Corporation (IBWC)?
On an EBIT basis the return on assets of IBW Financial Corporation is 0.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of IBW Financial Corporation (IBWC)?
The operating margin of IBW Financial Corporation is 4.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at IBW Financial Corporation (IBWC)?
Revenue at IBW Financial Corporation is growing +4.5% versus a year earlier (3y avg +12.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at IBW Financial Corporation (IBWC)?
Earnings per share at IBW Financial Corporation are growing −25.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does IBW Financial Corporation (IBWC) generate?
The free cash flow of IBW Financial Corporation is $2.5M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does IBW Financial Corporation (IBWC) carry?
The net debt of IBW Financial Corporation is $53.5M (fiscal year 2025, ≈ 21.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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