Operates as a parent holding company for Crossroads Bank. Provides essential deposit accounts including checking and savings. Now — the numbers.
This is an established company with proven profits.
Average growth of 13% a year over the last 4 years. Every year shown ended in profit.
The market pays 9.7× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
No analyst target is on record for this company.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 19% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 13% a year on average.
It pays out $1.24 per share each year — regular cash for whoever holds the stock.
Getting in and out without moving the price could prove difficult.
Against everything we grade, FFWC lands near the bottom. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: FFWC does earn real profits — but on our report card it still sits behind its class. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.
Not covered, because the filings we hold do not carry it: earnings execution, the revenue breakdown.