1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
IBW Financial Corporation

IBW Financial Corporation

IBWC
IBW Financial CorporationUS flagOther OTC
47.05
USD
- -
- -
30.38MMarket Cap
IBW Financial Corporation
IBWC
(Other OTC)

Recent

price

47.05

P/E

ratio

- -

div

yld

- -

ROIC.AI

2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
FRC
32.23
34.04
34.12
34.7
34.9
41.16
60.12
48.77
44.65
59.3
50.73
- -
Revenue per Share
3.43
2.3
2.92
1.07
1.63
6.71
9.46
4.04
1.95
4.01
1.44
- -
Basic EPS, GAAP
- -
- -
-0.47
-6.39
- -
5.49
-7.26
-5.21
-0.4
8.05
7.2
- -
Free Cash Flow per Basic Share
- -
- -
0.27
0.14
- -
0.16
0.29
0.2
0.35
0.39
1.61
- -
Dividend per Share
45.89
48.18
51.07
52.07
53.73
60.36
69.65
71.19
69.97
73.28
74.48
- -
Book Value per Share
54.28
55.56
57.42
57.93
58.64
66.89
79.48
81.67
43.68
52.75
54.33
- -
Tangible Book Value per Share
1
1
1
1
1
1
1
1
1
1
1
- -
Basic Weighted Avg Shares
19
20
20
21
21
25
36
30
29
38
33
32
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
1
- -
- -
1
1
1
1
1
1
1
Depreciation Expense
2
2
2
1
1
4
6
3
1
3
2
- -
Net Income, GAAP
34.19
32.24
20.23
57.84
21.84
28.29
26.89
28.01
22.1
27.99
23.66
28.12
Effective Tax Rate (%)
11.39
7.47
9.34
3.2
4.8
16.4
15.81
8.36
4.79
7.09
5.53
1.34
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
23
37
16
52
45
- -
- -
- -
- -
25
- -
50
LT Debt
39
40
35
35
36
40
48
64
123
129
130
135
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
4.89
5.88
2.08
3.08
11.76
14.55
5.83
2.83
5.6
1.94
-2.81
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
15.66%
26.99%
3.82%
Free Cash Flow
- -
-453.6%
-47.14%
Net Income, GAAP
23.98%
-22.75%
-76.17%
Sales/Revenue/Turnover
6.2%
-0.75%
-1.73%
Total Cash Common Dividend
- -
-6.71%
-48.05%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
38
2024
- -
- -
- -
- -
33
2025
- -
- -
- -
- -
32

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
4.01
2024
- -
- -
- -
- -
1.44
2025
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.39
2024
- -
- -
- -
- -
1.61
2025
- -
- -
- -
- -
- -
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Business
IBW Financial Corporation operates as the holding company for Industrial Bank, providing a comprehensive range of banking and financial products and services primarily to individuals and small businesses in the District of Columbia. Its core offerings include checking accounts, money market accounts, individual retirement accounts, savings accounts, certificates of deposit, and mortgage financing. The company also provides diverse loan products such as commercial term loans, real estate loans, consumer loans, construction and land development loans, commercial and industrial loans, Small Business Administration (SBA) loans, and residential real estate loans. Additional services include lines of credit, letters of credit, credit and debit card services, automated teller machines (ATMs), e-statements, bill pay and cash management services, wire transfer solutions, as well as online and mobile banking services. Founded in 1934 and headquartered in Washington, District of Columbia, IBW Financial Corporation focuses on the regional banking sector within the United States. It supports nonprofit and faith-based lending and delivers community services aimed at affordable housing, economic development, healthcare, education, and disability support through its nonprofit affiliate. The company has expanded its outreach with offices beyond its headquarters, including locations in multiple U.S. states. Recent major changes include maintaining steady operations with continued dividend payments, with the company going ex-dividend in December 2025, reflecting consistent shareholder returns. While the company has not disclosed significant acquisitions or strategic partnerships in the latest reporting period, it continues to emphasize community development and targeted lending services aimed at underserved markets. Its 2024 annual revenue was reported at approximately $31.29 million, demonstrating its stable financial position within the regional banking industry. IBW Financial Corporation's role as a Minority Depository Institution (MDI) underlines its commitment to serving diverse communities, particularly in Washington, DC, with a strategic focus on inclusive economic growth and financial services accessibility. This combination of product offerings, community-oriented services, and stable financial performance defines IBW Financial Corporation's current operational profile within the U.S. regional banking sector.