Stock fact sheet · data as of
IBW Financial Corporation (IBWC): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Speculative / Distressed
Is IBWC undervalued?
IBW Financial Corporation (IBWC) closed at 97.00 on 16 Oct 2026, 283% above the GLS average fair value of 25.36. 8 of the 8 models that produced a number value the shares below the current price. A gap this wide usually means the market is paying for growth or a story the trailing numbers do not show yet; the models work from filed results, not forecasts, so they are conservative by design.
There is a wide gap between DDM (1.91) and 10 Cap (90.03). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files IBWC under Speculative / Distressed - negative earnings or a Piotroski score of 3 or less - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for IBWC
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 55.99 | -42% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 10.79 | -89% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 2.68 | -97% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 1.96 | -98% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 90.03 | -7% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 32.05 | -67% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 1.91 | -98% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 7.43 | -92% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -1,019.48 | -1151% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
IBW Financial Corporation scores only 0 of 9 on the Piotroski F-score, which fails the Sunday Scan's "6 or more" rule. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. A GLS Moat score of 4.2/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC 0.2%, ROE 0.3%, ROA 0.1% - with debt at 0.42 times equity and a free-cash-flow yield of 3.9%.
The dividend yield is 0.13% with a payout ratio of 427% - a small yield that leaves most of the earnings in the business.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 0 / 9 | ROIC | 0.2% |
|---|---|---|---|
| GLS Moat | 4.2 / 10 | ROE | 0.3% |
| Debt / equity | 0.42 | ROA | 0.1% |
| Free-cash-flow yield | 3.9% | Payout ratio | 427% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 12: No options
No options are listed on IBW Financial Corporation in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 12) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 0k shares a day on a market cap of $63M, with a beta of -0.10 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 0 / 25 | -283% margin of safety | |
| Health | 0 / 20 | Piotroski 0/9 | |
| Moat | 6 / 15 | moat 4.2/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $63M cap, beta -0.10 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for IBWC in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to IBW Financial Corporation by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| STBI Sturgis Bancorp, Inc. | 28.94 | 63.28 | +54% | 39No options | $63M |
| CEFC Commercial National Financial Corporation | 15.71 | 20.04 | +22% | 39No options | $62M |
| HBSI Highlands Bankshares, Inc. | 47.00 | 78.91 | +40% | 39No options | $62M |
| BAOB The Baraboo Bancorporation, Inc. | 6.99 | 8.52 | +18% | 39No options | $62M |
| MBKL MBT Bancshares, Inc. | 30.00 | 88.09 | +66% | 39No options | $61M |
| RWCB Redwood Capital Bancorp | 34.61 | 37.73 | +8% | 39No options | $65M |
| FMFG Farmers and Merchants Bancshares, Inc. | 18.60 | 23.10 | +19% | 39No options | $61M |
| NEFBP Neffs Bancorp, Inc. PFD SER A | 400.00 | 199.67 | -100% | 14No options | $61M |
| FFBW FFBW, Inc. | 15.83 | 15.91 | +0% | 39No options | $65M |
| PGNN Paragon Financial Solutions, Inc. | 14.15 | 48.31 | +71% | 39No options | $65M |
| LSFG Lifestore Financial Group, Inc. | 58.65 | 90.03 | +35% | 39No options | $60M |
| NTBP New Tripoli Bancorp, Inc. | 950.00 | 653.74 | -45% | 13No options | $60M |
⚖ Compare IBWC with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about IBWC
Is IBWC undervalued right now?
No: at 97.00 the stock trades 283% above the GLS average fair value of 25.36 (data as of 16 Oct 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of IBWC and what does it mean?
IBWC has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for IBWC?
25.36 per share as of 16 Oct 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does IBW Financial Corporation report earnings next?
No upcoming earnings date is recorded for IBWC in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does IBWC have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on IBWC, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.