FFBW, Inc. (FFBW) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
FFBW, Inc. (FFBW) trades at $16.55 with AI Score 59/100 (Grade B). FFBW, Inc. , operating as First Federal Bank of Wisconsin, provides financial services to individuals and businesses. Market cap: $91.9M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for FFBW: FFBW does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FFBW against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
FFBW: the 3 scored disciplines are evenly split. Dominant signal: Ken Griffin bearish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
FFBW, Inc. (FFBW) Financial Services Profile
FFBW, Inc., through First Federal Bank of Wisconsin, delivers traditional banking services, including deposit accounts and diverse lending options, to individual and corporate clients. With a focus on community banking, FFBW leverages digital platforms while navigating the competitive landscape of regional banks and maintaining a conservative risk profile.
What Is the Investment Thesis for FFBW?
FFBW, Inc. presents a community banking model with a focus on traditional deposit and lending services. With a market capitalization of $91.9M and a profit margin of 20.8%, the bank demonstrates profitability, although its return on equity (ROE) is relatively modest at 3.6%. The company's low beta of 0.11 suggests lower volatility compared to the broader market. Growth catalysts include expanding its digital banking platform to attract and retain customers and strategically growing its loan portfolio in key sectors. However, investors may want to evaluate the risks associated with regional banks, including interest rate sensitivity and regulatory compliance. The absence of a dividend yield may deter some investors seeking income.
Based on FMP financials and quantitative analysis
FFBW Key Highlights
Market capitalization of $91.9M indicates a smaller community bank.
- Profit margin of 20.8% demonstrates efficient operations and profitability.
- Return on equity (ROE) of 3.6% suggests moderate profitability relative to shareholder equity.
- Beta of 0.11 indicates lower volatility compared to the overall market.
- No dividend yield may limit appeal to income-focused investors.
Who Are FFBW's Competitors?
FFBW is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BOH Bank of Hawaii Corporation | $77.81 | -1.61% | $3.07B | 88 |
| CASH Pathward Financial, Inc. | $83.49 | -0.26% | $1.76B | 91 |
| TCBI Texas Capital Bancshares, Inc. | $98.04 | -0.16% | $4.26B | 90 |
| WSBC WesBanco, Inc. | $40.88 | -0.68% | $3.92B | 96 |
| PB Prosperity Bancshares, Inc. | $72.90 | -1.92% | $8.76B | 81 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FFBW's Key Strengths?
Long-standing history and established presence in the local market.
- Diverse range of deposit and loan products.
- Focus on community banking and personalized service.
- Conservative risk management practices.
What Are FFBW's Weaknesses?
Smaller market capitalization compared to larger regional banks.
- Limited geographic reach.
- Dependence on traditional banking services.
- Lower ROE compared to some peers.
What Could Drive FFBW Stock Higher?
Expansion of digital banking services to attract new customers and improve customer retention.
- Strategic loan portfolio growth in key sectors, such as commercial real estate or small business lending.
- Potential partnerships with fintech companies to offer innovative financial products and services (1-3 years).
- Community engagement and brand building initiatives to strengthen customer loyalty.
- Implementation of a robust CRM system to enhance customer relationship management (1-2 years).
What Are the Key Risks for FFBW?
Financial-distress signal — its Altman Z-Score of 0.40 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger national banks and credit unions.
- Rising interest rates and potential for margin compression.
- Regulatory changes and compliance costs.
- Economic downturn and potential for loan losses.
- Lower liquidity and potential for wider bid-ask spreads due to OTCQX listing.
What Are the Growth Opportunities for FFBW?
- Expansion of Digital Banking Services: FFBW, Inc. can enhance its digital banking platform to attract a younger demographic and improve customer retention. By offering a more user-friendly mobile app and online banking experience, including features like mobile check deposit and enhanced security measures, FFBW can increase its market share. The market for digital banking is projected to reach $9.4 trillion by 2027, presenting a significant opportunity for FFBW to capitalize on this trend. Timeline: Ongoing.
- Strategic Loan Portfolio Growth: FFBW, Inc. can focus on expanding its loan portfolio in specific sectors, such as commercial real estate or small business lending, to drive revenue growth. By targeting underserved markets and offering competitive loan products, FFBW can increase its lending volume and interest income. The small business lending market is expected to grow at a CAGR of 6.2% through 2028, providing a favorable environment for FFBW to expand its SBA loan offerings. Timeline: Ongoing.
- Enhanced Customer Relationship Management: Implementing a robust CRM system can enable FFBW, Inc. to better understand customer needs and preferences, leading to more personalized service and increased customer loyalty. By leveraging data analytics, FFBW can identify cross-selling opportunities and tailor its marketing efforts to specific customer segments. The CRM market is projected to reach $128.97 billion by 2028, highlighting the growing importance of customer relationship management in the financial services industry. Timeline: 1-2 years.
- Community Engagement and Brand Building: FFBW, Inc. can strengthen its brand and build customer loyalty by actively engaging with the local community through sponsorships, charitable donations, and financial literacy programs. By positioning itself as a trusted community partner, FFBW can attract new customers and differentiate itself from larger national banks. Community banks that actively engage with their local communities tend to experience higher customer satisfaction and retention rates. Timeline: Ongoing.
- Strategic Partnerships with Fintech Companies: Collaborating with fintech companies can enable FFBW, Inc. to offer innovative financial products and services without significant upfront investment. By partnering with fintech firms specializing in areas such as online lending or payment processing, FFBW can enhance its digital capabilities and attract new customers. Timeline: 1-3 years.
What Are FFBW's Competitive Advantages?
- Established presence in the Waukesha, Wisconsin market.
- Long-standing customer relationships built over decades.
- Focus on community banking and personalized service.
- Access to local deposits for funding loan growth.
What Does FFBW Do?
Founded in 1922 and headquartered in Waukesha, Wisconsin, FFBW, Inc. functions as the holding company for First Federal Bank of Wisconsin. The bank provides a comprehensive suite of financial services tailored to both individual and corporate customers within the United States. Its offerings encompass a variety of deposit accounts, including non-interest-bearing and interest-bearing checking accounts, money market accounts, statement savings accounts, and health savings accounts, alongside certificates of deposit. On the lending side, First Federal Bank of Wisconsin provides one- to four-family owner-occupied and investor-owned residential real estate loans, multifamily residential real estate loans, consumer and commercial real estate loans, commercial and industrial loans, and commercial development loans, as well as consumer loans. The bank also offers Small Business Administration (SBA) loans, equipment and term loans, commercial lines of credit, and a range of business-focused accounts, including checking, community checking, savings, and money market options. Individual retirement accounts and overdraft lines of credit are also available. FFBW, Inc. has embraced digital banking, providing online and mobile banking services, cash management solutions, and credit cards to enhance customer convenience and accessibility. The bank's long-standing history reflects its commitment to serving the financial needs of its community while adapting to evolving market dynamics and technological advancements.
What Products and Services Does FFBW Offer?
- Provides non-interest-bearing and interest-bearing checking accounts.
- Offers money market and statement savings accounts.
- Provides health savings accounts and certificates of deposit.
- Offers one- to four family owner-occupied and investor-owned residential real estate loans.
- Provides multifamily residential real estate loans.
- Offers consumer and commercial real estate loans.
- Provides commercial and industrial loans.
- Offers commercial development loans, as well as consumer loans.
How Does FFBW Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other financial services.
- Provides online and mobile banking services for customer convenience.
- Offers cash management services to businesses.
What Industry Does FFBW Operate In?
FFBW, Inc. operates within the regional banking sector, which is characterized by intense competition from larger national banks, credit unions, and fintech companies. These regional banks play a crucial role in providing financial services to local communities and small businesses. The industry is influenced by factors such as interest rate movements, regulatory changes, and technological advancements. The rise of digital banking and mobile payment solutions is transforming the competitive landscape, requiring regional banks to invest in technology to remain competitive and attract customers. The U.S. banking sector is highly regulated, with institutions like FFBW subject to capital requirements and compliance standards set by the Federal Reserve and other regulatory bodies.
Who Are FFBW's Key Customers?
- Individual customers seeking deposit accounts and loans.
- Small businesses requiring commercial loans and banking services.
- Real estate investors seeking financing for residential and commercial properties.
- Commercial clients needing lines of credit and cash management solutions.
Financial Health
FFBW, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.40 places it in the distress zone, a signal of elevated financial risk.
Quarterly Financial Performance: FFBW, Inc.
Revenue for FFBW, Inc. came in at $4.2M during Q2 2026, a 4.4% improvement versus the preceding quarter. The company recorded net income of $692K, with diluted EPS of $0.19. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, FFBW averaged $0.19 in diluted EPS.
FFBW Valuation & Market Position
With a $91.9M market cap, FFBW, Inc. sits in the micro-cap segment of the market. Relative to its peer group, FFBW's quantitative score of 59/100 is below the peer average of 89/100.
Key Financial Metrics
Return on equity for FFBW, Inc. stands at 3.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.0%, showing how much profit it generates from its asset base. FFBW trades at a trailing price-to-earnings ratio of 21.50, above the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.07 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 4.5%, the inverse of the P/E and a quick read on earnings relative to price.
Company Profile
FFBW, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Brookfield, US. The company is led by CEO Edward H. Schaefer. FFBW has traded publicly since 2017.
FFBW Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Long-standing history and established presence in the local market.
- Diverse range of deposit and loan products.
- Focus on community banking and personalized service.
- Conservative risk management practices.
Bear Case
- Smaller market capitalization compared to larger regional banks.
- Limited geographic reach.
- Dependence on traditional banking services.
- Lower ROE compared to some peers.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $4M | $692,000 | $0.19 |
| Q1 2026 | $4M | $612,000 | $0.16 |
| Q4 2025 | $4M | $916,000 | $0.25 |
| Q3 2025 | $4M | $600,000 | $0.16 |
Based on FMP financials and quantitative analysis
FFBW Latest News
No recent news available for FFBW.
FFBW Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FFBW.
Price Targets
Wall Street price target analysis for FFBW.
FFBW MoonshotScore
What does this score mean?
The MoonshotScore rates FFBW 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
FFBW OTC Market Information
The OTCQX tier represents the highest tier of the OTC market, signifying that FFBW, Inc. meets certain financial standards, undergoes a compliance review, and provides ongoing disclosure to investors. Unlike stocks listed on major exchanges like the NYSE or NASDAQ, OTCQX-listed companies are not subject to the same stringent listing requirements. However, OTCQX does offer enhanced visibility and credibility compared to lower OTC tiers, potentially attracting a broader range of investors who seek greater transparency and regulatory oversight.
- OTC Tier: OTC Other
- Lower liquidity compared to exchange-listed stocks.
- Potential for wider bid-ask spreads.
- Limited regulatory oversight compared to major exchanges.
- Greater price volatility due to lower trading volume.
- Information asymmetry due to less stringent disclosure requirements.
- Verify the company's financial statements and disclosures.
- Review the company's business model and competitive landscape.
- Assess the company's management team and corporate governance practices.
- Evaluate the company's risk factors and potential liabilities.
- Monitor trading volume and bid-ask spreads.
- Understand the regulatory environment for OTCQX-listed companies.
- Consult with a financial advisor before investing.
- OTCQX listing indicates a higher level of compliance and disclosure compared to lower OTC tiers.
- Company has been in operation since 1922, suggesting a long-standing history.
- Current disclosure status indicates ongoing financial reporting.
- Positive profit margin suggests a viable business model.
- Low beta indicates lower volatility than the overall market.
FFBW, Inc. Financial Services Stock: Key Questions Answered
What does the AI Score mean for FFBW?
FFBW holds an AI Score of 59/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. FFBW, Inc., operating as First Federal Bank of Wisconsin, provides financial services to individuals and businesses. The company offers a range of deposit and loan products, leveraging online …
What does FFBW, Inc. do?
FFBW, Inc., through its subsidiary First Federal Bank of Wisconsin, provides a comprehensive range of banking services to individuals and businesses. These services include deposit accounts such as checking, savings, and money market accounts, as well as certificates of deposit.
What do analysts say about FFBW stock?
As of March 16, 2026, formal analyst coverage of FFBW, Inc. is limited, likely due to its smaller market capitalization and OTCQX listing. Key valuation metrics include a market capitalization of $91.9M, a profit margin of 20.8%, and an ROE of 3.6%.
What are the main risks for FFBW?
FFBW, Inc. faces several risks inherent to the regional banking sector. Increased competition from larger national banks and credit unions could erode market share. Rising interest rates may compress margins if the bank is unable to reprice its assets quickly enough. Regulatory changes and compliance costs could also impact profitability.
What are the key factors to evaluate for FFBW?
FFBW, Inc. (FFBW) holds an AI score of 59/100 (moderate). P/E: 21.5x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does FFBW data refresh on this page?
FFBW's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven FFBW's recent stock price performance?
FFBW, Inc. (FFBW) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing history and established presence in the local market. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FFBW overvalued or undervalued right now?
FFBW, Inc. (FFBW) trades at 21.5x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research FFBW before investing?
Before investing in FFBW, Inc. (FFBW), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited analyst coverage may impact the accuracy of certain assessments.
- OTC market data may be less reliable than exchange-listed data.