OSEBX1,423.56+0.84%
EQNR284.60+4.20%
DNB198.35-1.15%
MOWI172.80+0.45%
Brent$71.24-0.32%
EUR/USD1.0824-0.14%
DXY104.18+0.08%
INDICATIVE · SAMPLE DATA
REDW.PK57

Redwood Financial Inc

BanksVerified

Redwood Financial's capital structure is characterized by a lack of dilution risk, as shares outstanding remain unchanged at 363,738 for both basic and diluted shares. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. Profitability and returns data are not available in the valuation snapshot, precluding a direct comparison to industry_config preferred metrics or cohort medians. The company's financial performance relative to peers such as JPMorgan Chase, Bank of America, and Citigroup remains unquantified. The company's revenue is concentrated in south central and southwestern Minnesota, with operations spanning banking, insurance, and agricultural services through Hometown Insurance, Inc. and Hometown Solutions, Inc.. No segment-specific revenue breakdown is provided, limiting visibility into geographic or product concentration. Growth trajectory is not quantified in the outlook, as no numeric deltas or revenue history are available in the input data. The company's expansion plans or contraction risks remain speculative. Risk factors include the inability to assess liquidity risk, which could impact the company's ability to meet short-term obligations. No dilution risk is currently present, but the absence of balance-sheet inputs limits the ability to evaluate capital structure resilience. Recent events, including filings or transcripts, are not disclosed in the input data, leaving the company's recent strategic or operational developments opaque.

30-day price · REDW.PK-25.75 (-11.1%)
Low$206.99High$240.00Close$206.99As of19 May, 00:00 UTC
Profile
CompanyRedwood Financial Inc
TickerREDW.PK
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. Redwood Financial, Inc. operates as a financial holding company for HomeTown Bank, a state-chartered bank providing mortgage, commercial, agricultural, and consumer lending products, as well as deposit and savings services, in south central and southwestern Minnesota and the south metropolitan area.

Classification. Redwood Financial is classified under the Financials sector, specifically in the Banks industry, with a confidence level of 0.92 according to verified market data.

Redwood Financial's capital structure is characterized by a lack of dilution risk, as shares outstanding remain unchanged at 363,738 for both basic and diluted shares. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. Profitability and returns data are not available in the valuation snapshot, precluding a direct comparison to industry_config preferred metrics or cohort medians. The company's financial performance relative to peers such as JPMorgan Chase, Bank of America, and Citigroup remains unquantified. The company's revenue is concentrated in south central and southwestern Minnesota, with operations spanning banking, insurance, and agricultural services through Hometown Insurance, Inc. and Hometown Solutions, Inc.. No segment-specific revenue breakdown is provided, limiting visibility into geographic or product concentration. Growth trajectory is not quantified in the outlook, as no numeric deltas or revenue history are available in the input data. The company's expansion plans or contraction risks remain speculative. Risk factors include the inability to assess liquidity risk, which could impact the company's ability to meet short-term obligations. No dilution risk is currently present, but the absence of balance-sheet inputs limits the ability to evaluate capital structure resilience. Recent events, including filings or transcripts, are not disclosed in the input data, leaving the company's recent strategic or operational developments opaque.
Key takeaways
  • Redwood Financial operates in a concentrated geographic region with no disclosed segment-specific revenue breakdown.
  • The company shows no dilution risk, with basic and diluted shares outstanding remaining equal.
  • Liquidity risk could not be assessed due to missing balance-sheet inputs and no going-concern language in source documents.
  • No growth trajectory or numeric outlook is available, limiting forward-looking visibility.
  • The company's risk profile is incomplete, with key financial metrics and competitor context missing.
  • --
  • ## RATIONALES
  • ```json
Financial snapshot
PeriodHA-latest
CurrencyUSD
Revenue
Gross profit
Operating income
Net income
R&D
SG&A
D&A
SBC
Operating cash flow
CapEx
Free cash flow
Total assets
Total liabilities
Total equity
Cash & equivalents
Long-term debt
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY0
FY-1
FY-2
FY-3
FY-4
PeriodGross %Op %Net %FCF %
FY0
FY-1
FY-2
FY-3
FY-4
PeriodAssetsEquityCashDebt
FY0
FY-1
FY-2
FY-3
FY-4
PeriodOCFCapExFCFSBC
FY0
FY-1
FY-2
FY-3
FY-4
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodGross %Op %Net %FCF %
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodAssetsEquityCashDebt
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodOCFCapExFCFSBC
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book
Net cash
Current ratio
Debt/Equity
ROA
ROE
Cash conversion
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskUnknown
  • Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).
Industry benchmarks
Activity: Banks · cohort 7 companies
MetricREDW.PKActivity
Op margin560.2% medp25 560.2% · p75 560.2%
Net margin459.2% medp25 422.9% · p75 495.5%
Gross margin62.8% medp25 28.5% · p75 92.6%
CapEx / revenue2.6% medp25 1.0% · p75 12.1%
Debt / equity16.8% medp25 13.7% · p75 33.1%
Observations
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-10 08:16 UTC#cf53daf6
Source: analysis-pipeline (hybrid)Generated: 2026-05-10 08:17 UTCJob: 2fc3512c