IBW Financial Corporation (IBWC) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of IBW Financial Corporation $32.48, price $97.00, upside -66.5%, quality 48 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $15.63 – $103.00 · fair‑value band $19.58 – $41.86 · the $97.00 price screens above the $32.48 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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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. It offers savings, checking, money market, individual retirement accounts; certificates of deposit; mortgages; and investments.
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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. 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 $97.00, while our model-based Fair Value estimate is $32.48, implying the stock looks roughly 198.7% overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of $139.55 per share, and 2 of the 6 models we run sit above the $97.00 price.
Bear case: the Multiples group reads lowest at $8.70, and 4 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $19.58 (bear) to $41.86 (bull), the price of $97.00 sits above 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 48/100 (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 $62.6M · P/S ratio 2.15 · EPS (TTM) $−2.06 · Dividend yield 0.1% · Net margin 1.0% · Return on equity 0.3% · Return on assets (EBIT) 0.4% · Operating margin 4.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades about 6% below its 52-week high and 164% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −67%, IBWC screens richer than that median.
Fair Value models
Bear $19.58Fair Value $32.48Bull $41.86
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.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.Evidence ⓘEvidence = 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.
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%
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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.
−36.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−37.0%
Dividend (yield on the price)0.1%
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%
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+20.3%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +17.5% a year for the price.
Compare IBW Financial Corporation with another stock
Price, fair value, quality and upside side by side.
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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 · 1076 stocks
Beats the industry median on 2/12 measures
Overall it trails its industry peers.
Valuation
Quality Score45 · Bottom 25%
Fair Value upside−67% · Bottom 25%
Profitability
Return on equity (TTM)0% · Bottom 25%
Return on assets0% · Bottom 25%
Net margin (TTM)1% · Bottom 25%
Operating margin (TTM)5% · Bottom 25%
Growth and dividend
Revenue growth5% · Below median
Dividend yield (TTM)0.1% · Bottom 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/B0.47× · Cheapest 25%
P/S (TTM)2.15× · Cheapest 25%
P/FCF25.5× · Priciest 25%
EV/EBITDA47.3× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)23· sector 45
PAST (return on equity)1· sector 41
HEALTH (low debt)100· sector 85
DIVIDEND (yield)3· sector 53
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is IBW Financial Corporation (IBWC) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $32.48 versus a price of $97.00, about −67% upside (overvalued).
What is the fair value of IBWC?
Our model-based fair value for IBW Financial Corporation is $32.48 (as of Sep 24, 2026), built from audited fundamentals. The current price: $97.00.
What is the quality score of IBWC?
IBW Financial Corporation has a Quality Score of 48/100. 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 $32.48 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $19.58, optimistic scenario $41.86. 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 $32.48, about −67% upside versus a price of $97.00 (overvalued). Cautious scenario $19.58, optimistic scenario $41.86. 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 Sep 24, 2026).
Does IBW Financial Corporation pay a dividend?
IBW Financial Corporation currently shows a dividend yield of about 0.13% relative to its recent price (as of Sep 24, 2026).
What growth is priced into IBW Financial Corporation (IBWC)?
For today's price to be fair in a discounted-cash-flow model, IBW Financial Corporation would have to grow free cash flow by +20.3 % per year for five years (discount rate 12.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +1.9 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of IBWC use?
Our models discount IBW Financial Corporation at 12.7 %: a base by market capitalisation (micro), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For IBW Financial Corporation that is +20.3 % per year a year over ten years, using the same discount rate (12.7 %) and the same formula as our fair value.
How much growth has IBW Financial Corporation (IBWC) delivered so far?
Over the past 5 years revenue at IBW Financial Corporation grew +1.9 % a year. The price currently implies +20.3 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of IBW Financial Corporation (IBWC) growing?
The median revenue growth in the sector is +8.3 % a year. That is the yardstick for the growth priced into IBW Financial Corporation (+20.3 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of IBW Financial Corporation (IBWC)?
The free-cash-flow yield on the price is 3.93 %: that much free cash flow IBW Financial Corporation produces per unit of market value. When it exceeds the discount rate of our models (12.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 $32.48 per share (as of Sep 24, 2026), against a price of $97.00. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is IBW Financial Corporation stock overvalued or undervalued in 2026?
As of Sep 24, 2026, IBWC trades above its calculated fair value: price $97.00, fair value $32.48, a gap of about −67% (overvalued). 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 ($97.00); the fair value is what the company's own numbers justify ($32.48). For IBW Financial Corporation the two are $64.52 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 $62.6M (market capitalisation, as of Sep 24, 2026). Per share that is $97.00; our models calculate a fair value of $32.48 per share.
What do the bullish and bearish scenarios say about IBWC?
Our models span a range for IBW Financial Corporation: cautious scenario $19.58, base $32.48, optimistic $41.86 per share (as of Sep 24, 2026, price $97.00). 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 Sep 24, 2026): return on equity 0.3%. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is IBWC from its 52-week high?
IBW Financial Corporation trades at $97.00, about 6% below its 52-week high of $103.00 and 164% above the low of $36.75 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $32.48 is for.
Which stocks are comparable to IBW Financial Corporation?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 24, 2026: price $97.00, calculated fair value $32.48 (−67%), Quality Score 48/100, 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $32.48, 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 13.0 % above its aggregate fair value. IBW Financial Corporation itself currently trades above fair value. 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 Sep 23, 2026 was $97.00. Our model-based fair value is $32.48, about −67% upside (overvalued). 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 price sits above even our optimistic bull case ($41.86). The favourable scenario is already priced in. Solid but not exceptional quality (48/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($19.58 to $41.86) leaves room in how you read the outcome. 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 $62.6M. 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 2.15 (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 0.1%. 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 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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Some data
Sep 24, 2026