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IBW FinancialIBWC 41 Graham Number is $N/A as of Dec. 2025. GuruFocus rates IBWC with a GF Score™ of 41/100 and a GF Value™ of $29.32 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,398 Banks companies, IBW Financial ranks worse than 71530.69% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
As of today (2026-08-09), the stock price of IBW Financial is $80.00. IBW Financial's graham number for the quarter that ended in Dec. 2025 was $N/A. Therefore, IBW Financial's Price to Graham Number ratio for today is N/A.
The historical rank and industry rank for IBW Financial's Graham Number or its related term are showing as below:
During the past 12 years, the highest Price to Graham Number ratio of IBW Financial was 1.00. The lowest was 0.23. And the median was 0.39.
IBWC's Price-to-Graham-Number is not ranked *
in the Banks industry.
Industry Median: 0.81 * Ranked among companies with meaningful Price-to-Graham-Number only.
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
IBW Financial (OTCPK:IBWC) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
IBW Financial's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Dec. 2025 )
=
80.00
/
N/A
=
N/A
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
IBW Financial Graham Number Related Terms
IBW Financial Graham Number Historical Data
* Premium members only.
The historical data trend for IBW Financial's Graham Number can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
IBWC vs PNBI, KFFB, CYSM: Graham Number Comparison
For the Banks - Regional subindustry, IBW Financial's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
IBW Financial Price-to-Graham-Number vs Banks Industry
For the Banks industry and Financial Services sector, IBW Financial's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where IBW Financial's Price-to-Graham-Number falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
IBW Financial (IBWC) has a Graham Number of $N/A as of Dec. 2025. The Graham Number values a company based on its per-share earnings and book value. View historical data on IBW Financial and its competitors. Over the past decade, IBW Financial's Graham Number has ranged from 0.23 to 1.00. According to the industry distribution chart, IBW Financial ranks #999999 out of 1398 companies in the Banks industry.
Is IBW Financial's Graham Number too high?
IBW Financial's current Graham Number is $N/A. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 1.00. Based on the distribution chart, IBW Financial ranks #999999 out of 1398 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, IBW Financial has a GF Score™ of 41/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does IBW Financial's Graham Number compare to PNBI and KFFB?
According to the Banks industry distribution chart, IBW Financial ranks #999999 out of 1398 companies for Graham Number. This places IBW Financial in the lower half of its industry. The industry median Graham Number is 0.81. Historically, IBW Financial's own Graham Number has ranged from 0.23 to 1.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for a Banks company?
The median Graham Number among Banks companies is 0.81, based on 1,398 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on IBW Financial and its competitors. For the Banks industry, the median Graham Number is 0.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IBW Financial's current Graham Number is $N/A. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IBW Financial stock overvalued right now?
Based on GuruFocus' analysis, IBW Financial (IBWC) is currently considered Significantly Overvalued. The stock's GF Value™ is $29.32, compared to a current price of $80.00 — trading 172.9% above its estimated fair value. The current Graham Number is $N/A. IBW Financial's overall GF Score™ is 41/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Graham Number calculated?
Graham Number is calculated from a company's financial statements. For IBW Financial (IBWC), the current Graham Number is $N/A as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is IBW Financial (IBWC) Overvalued in 2026?
Based on GuruFocus' analysis, IBW Financial stock appears to be overvalued.
The current stock price of $80.00 is trading 172.9% above its estimated GF Value™ of $29.32.
GuruFocus considers IBW Financial to be Significantly Overvalued.
Key valuation signals for IBWC:
Graham Number: $N/A
GF Value™: $29.32 vs. price of $80.00 (172.9% above fair value)
No single metric tells the full story. See the IBWC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IBW Financial Corp is a bank holding company. Through its banking subsidiary, it is engaged in offering a broad range of banking products, including a full line of business and personal savings and certificates of deposit, and other banking services. It also funds a variety of loan types, including commercial term loans and residential real estate loans, lines of credit, consumer loans, and letters of credit. The company's customers are mainly individuals and small businesses. Geographically, its primary market areas are in the District of Columbia and surrounding areas.
41GF Score
Get the complete analysis for IBWC
Graham Number is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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