IBW Financial Corp. engages in the provision of commercial banking services to retail and business customers, including loans, deposits and online banking. The company is headquartered in Washington, Washington Dc. The company went IPO on 2001-06-21. The Bank wholly owns 96 HST LLC and One Largo LLC which hold property for Bank facilities. The principal business of the Company is to make loans and other investments and to accept time and demand deposits. The firm offers a broad range of banking products, including a full line of business and personal savings and certificates of deposit, and other banking services. The firm funds a variety of loan types including commercial term loans and residential real estate loans, and lines of credit, consumer loans, and letters of credit. The Company’s customers are primarily individuals and small businesses. The Company’s primary market areas are in the District of Columbia and surrounding areas.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
03/31/2025
03/31/2024
03/31/2023
03/31/2022
03/31/2021
Revenue
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Revenue Growth (YoY)
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Cost of Revenue
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Gross Profit
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Selling, General & Admin
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Research & Development
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Operating Expenses
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Other Non Operating Income (Expenses)
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Pretax Income
26,599
19,386
-53,174
7,354
45,975
38,977
Income Tax Expense
460
-248
-1,437
698
12,937
12,230
Net Income
26,112
20,518
-49,904
8,719
35,004
28,972
Net Income Growth
-238%
-141%
-672%
-75%
21%
3%
Shares Outstanding (Diluted)
138.64
133.21
116.81
116.97
116.92
117
Shares Change (YoY)
0%
14%
0%
0%
0%
0%
EPS (Diluted)
188.33
154.02
-427.21
74.53
299.37
247.62
EPS Growth
-238%
-136%
-673%
-75%
21%
3%
Free Cash Flow
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-62,974
126,474
-67,376
248,332
722,293
Free Cash Flow Per Share
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Gross Margin
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Operating Margin
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Profit Margin
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Free Cash Flow Margin
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EBITDA
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EBITDA Margin
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D&A For EBITDA
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7,252
7,174
6,984
6,461
5,827
EBIT
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EBIT Margin
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Effective Tax Rate
1.72%
-1.27%
2.7%
9.49%
28.13%
31.37%
Follow-Up Questions
What are IBW Financial Corp's key financial statements?
According to the latest financial statement (Form-10K), Aozora Bank Ltd has a total asset of $7,762,434, Net profit of $20,518
What are the key financial ratios for IBWC?
Aozora Bank Ltd's Current ratio is 1.06, has a Net margin is 0, sales per share of $0.
How is IBW Financial Corp's revenue broken down by segment or geography?
Aozora Bank Ltd largest revenue segment is Structured Finance, at a revenue of 41,567,000,000 in the most earnings release.For geography, Japan is the primary market for Aozora Bank Ltd, at a revenue of 54,900,000,000.
Is IBW Financial Corp profitable?
yes, according to the latest financial statements, Aozora Bank Ltd has a net profit of $20,518
Does IBW Financial Corp have any liabilities?
yes, Aozora Bank Ltd has liability of 7,311,016
How many outstanding shares for IBW Financial Corp?
Aozora Bank Ltd has a total outstanding shares of 138.38