Stock fact sheet · data as of
IBW Financial Corporation (IBWC): fair value, margin of safety and Wheel Score
Ticker symbol IBWC · Financial Services · Banks - Regional · United States · Blend
Is IBWC undervalued?
IBW Financial Corporation (IBWC) closed at 52.80 on 5 Nov 2026, 108% above the GLS average fair value of 25.36. 6 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.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for IBWC, so the nightly engine files it under Blend (value score 54, growth score 51, out of 100).
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 | +6% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 10.79 | -80% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 2.68 | -95% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 1.96 | -96% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 90.03 | +71% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 32.05 | -39% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 1.91 | -96% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 7.43 | -86% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -1,019.48 | -2031% | 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
No Piotroski health score is on file for IBWC (the statements it needs were not available), so the Health part of the Wheel Score counts it at half marks - 10 of 20 - rather than marking the stock down for missing data. A GLS Moat score of 4.1/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, 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 7.2%.
The dividend yield is 0.25% 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 | - / 9 | ROIC | 0.2% |
|---|---|---|---|
| GLS Moat | 4.1 / 10 | ROE | 0.3% |
| Debt / equity | 0.42 | ROA | 0.1% |
| Free-cash-flow yield | 7.2% | Payout ratio | 427% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 16: No options
No options are listed on IBW Financial Corporation in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 16, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 1k shares a day on a market cap of $34M, 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 rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Fails | trades 108% above our fair value |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $34M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 108% above fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 4.1/10 | |
| Health | Fair | no Piotroski score on file - half marks | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta -0.10, $34M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it 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 |
|---|---|---|---|---|---|
| BKUT Bank of Utica | 685.00 | 3,170.95 | +78% | 30No options | $34M |
| CNBZ CNB Corporation | 27.75 | 59.73 | +54% | 32No options | $34M |
| HRBK Harbor Bankshares Corporation | 28.95 | 29.03 | +0% | 19No options | $35M |
| EFSG Enterprise Financial Services Group, Inc. | 29.70 | 37.64 | +21% | 28No options | $36M |
| PPAL Peoples Trust Company of St. Albans | 60.10 | 201.81 | +70% | 31No options | $33M |
| FBPA The Farmers Bank of Appomattox | 33.00 | 43.42 | +24% | 30No options | $36M |
| WOBK Woodsboro Bank | 82.00 | 182.45 | +55% | 32No options | $32M |
| JFWV JSB Financial Inc. | 125.39 | 272.85 | +54% | 32No options | $32M |
| PFSB PFS Bancorp, Inc. | 20.70 | 33.56 | +38% | 32No options | $32M |
| WVFC WVS Financial Corp. | 19.40 | 25.55 | +24% | 29No options | $32M |
| FPBC First Pacific Bancorp | 8.30 | 15.34 | +46% | 28No options | $36M |
| FMFP First Community Financial Corporation | 12.93 | 10.30 | -26% | 15No options | $37M |
⚖ 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 52.80 the stock trades 108% above the GLS average fair value of 25.36 (data as of 5 Nov 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; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for IBWC?
25.36 per share as of 5 Nov 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 5 Nov 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 stays under 70.