IBWC (IBW Financial) ROE % Adjusted to Book Value: 0.54% (As of Dec. 2025)


IBWC IBW Financial Corp IBWC
51 GF Score
Price $48.00
GF Value $29.19
Valuation Significantly Overvalued
! 7 Warning Signs
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What is IBW Financial ROE % Adjusted to Book Value?

IBW Financial IBWC +1.05% 51 ROE % Adjusted to Book Value is 0.54% as of Dec. 2025. GuruFocus rates IBWC with a GF Score™ of 51/100 and a GF Value™ of $29.19 (Significantly Overvalued). The stock has 7 warning signs investors should review.

IBW Financial's ROE % for the quarter that ended in Dec. 2025 was 0.33%. IBW Financial's PB Ratio for the quarter that ended in Dec. 2025 was 0.61. IBW Financial's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 0.54%.

IBW Financial ROE % Adjusted to Book Value Related Terms

IBW Financial ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for IBW Financial's ROE % Adjusted to Book Value 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.

IBW Financial ROE % Adjusted to Book Value Chart

IBW Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.76 2.43 7.20 1.82 0.54

IBW Financial Semi-Annual Data
Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only 10.76 2.43 7.20 1.82 0.54

IBWC vs CDAB, CNBZ, AMFC: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, IBW Financial's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, IBW Financial's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where IBW Financial's ROE % Adjusted to Book Value falls into.


IBWC
51GF Score
IBW Financial Corp IBWC
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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IBW Financial ROE % Adjusted to Book Value Calculation

IBW Financial's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=0.33% / 0.61
=0.54%

IBW Financial's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=0.33% / 0.61
=0.54%

* 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.

What does a ROE % Adjusted to Book Value of 0.54% mean?
IBW Financial (IBWC) has a ROE % Adjusted to Book Value of 0.54% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on IBW Financial and its competitors.
Is IBW Financial's ROE % Adjusted to Book Value too high?
IBW Financial's current ROE % Adjusted to Book Value is 0.54%. Overall, IBW Financial has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does IBW Financial's ROE % Adjusted to Book Value compare to CDAB and CNBZ?
IBW Financial's ROE % Adjusted to Book Value of 0.54% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on IBW Financial and its competitors. IBW Financial's current ROE % Adjusted to Book Value is 0.54%. 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 $29.19, compared to a current price of $48.00 — trading 64.4% above its estimated fair value. The current ROE % Adjusted to Book Value is 0.54%. IBW Financial's overall GF Score™ is 51/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For IBW Financial (IBWC), the current ROE % Adjusted to Book Value is 0.54% 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 $48.00 is trading 64.4% above its estimated GF Value™ of $29.19. GuruFocus considers IBW Financial to be Significantly Overvalued.

Key valuation signals for IBWC:

  • ROE % Adjusted to Book Value: 0.54%
  • GF Value™: $29.19 vs. price of $48.00 (64.4% above fair value)
  • GF Score™: 51/100 with 7 warning signs

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 Business Description

Address 4812 Georgia Avenue NW, Washington, DC, USA, 20011-4113
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.
51GF Score

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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$48.00
Price
$29.19
GF Value