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Freedom Financial Holdings, Inc. (FDVA)

USD12.10 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 10555 Main Street 22030
Fairfax, VA, US
CEO Joseph Janney Thomas
IPO 2007-05-09
ISIN US35638J1043

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Description

Freedom Financial Holdings, Inc. serves as the parent company for The Freedom Bank of Virginia, which delivers a comprehensive array of commercial, personal, and mortgage banking solutions. The bank's offerings encompass diverse deposit products, including individual and business checking accounts, interest-earning business savings accounts, money market accounts, personal savings accounts, certificates of deposit (CDs), and Individual Retirement Accounts (IRAs). Furthermore, it provides access to insured cash sweep (ICS) and Certificate of Deposit Account Registry Service (CDARS). In its lending division, the institution furnishes business term loans, personal loans, home mortgages, and commercial lines of credit. It also specializes in financing for commercial real estate, small business lending, home equity lines of credit, and credit cards. Beyond its core banking activities, Freedom Financial Holdings offers various ancillary services. These include treasury management, online and mobile banking platforms, remote deposit capture, ACH processing, wire transfers, and advanced fraud prevention. Additional services comprise business valuation, bank-at-work programs, merchant services, and exclusive prestige banking options. The company operates a network of physical branches in Vienna, Fairfax, Chantilly, Reston, and Manassas, all located within Virginia. Founded in 2001, its corporate headquarters are situated in Fairfax, Virginia.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD12.10 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
1.3K
Beta
0.02
Float Shares
6.61M
Free Float %
93.1%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% -0.49% -1.21% +7.96% +3.13% +7.96% +19.49% +7.49% +47.88% +28.83%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
12.10
DCF (Unlevered) 6.00 -50.4%
DCF (Levered) 16.83 +39.1%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 0% Bullish
Rating 2024-11 Change
Strong Buy 0 -1
Buy 0 0
Hold 1 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.18
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
4 / 5
High
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
2 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    -4.2% Q1'26: -7.9% (vs Q1'25)
  • EPS growth
    -92.0% Q1'26: -42.9% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +9.5% (vs Q1'25)
  • ROIC
    Q1'26: +3.7% (vs Q1'25)
  • Share dilution
    -1.2% Q1'26: -1.5% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 7.94× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.02) × ERP
WACC = 58% × Ke + 42% × Kd (48.4%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 6.00 Current price: 12.10
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2018
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
1 EPS Ana.
Dec 2027
1 Rev. Ana.
1 EPS Ana.
Dec 2028
1 Rev. Ana.
1 EPS Ana.
Dec 2029
1 Rev. Ana.
1 EPS Ana.
Dec 2030
1 Rev. Ana.
1 EPS Ana.
Dec 2031
1 Rev. Ana.
1 EPS Ana.
Revenue
25.07M
est: 26.13M (-4.0%)
38.02M
est: 19.99M (+90.2%)
40.14M
est: 19.02M (+111.0%)
44.27M
est: 30.22M (+46.5%)
60.10M
est: 33.24M (+80.8%)
66.41M
est: 66.41M (+0.0%)
63.61M
est: 63.61M (+0.0%)
71.93M
71.93M – 71.93M
+13.1% YoY
81.34M
81.34M – 81.34M
+13.1% YoY
91.98M
91.98M – 91.98M
+13.1% YoY
104.02M
104.02M – 104.02M
+13.1% YoY
117.63M
117.63M – 117.63M
+13.1% YoY
133.02M
133.02M – 133.02M
+13.1% YoY
EBITDA
438.7K
est: 7.65M (-94.3%)
9.34M
est: 11.17M (-16.4%)
13.44M
est: 12.03M (+11.7%)
13.42M
est: 13.23M (+1.4%)
2.17M
est: 14.56M (-85.1%)
5.60M
est: 13.34M (-58.0%)
206.8K
est: 9.69M (-97.9%)
10.96M
10.96M – 10.96M
+13.1% YoY
12.39M
12.39M – 12.39M
+13.1% YoY
14.01M
14.01M – 14.01M
+13.1% YoY
15.85M
15.85M – 15.85M
+13.1% YoY
17.92M
17.92M – 17.92M
+13.1% YoY
20.26M
20.26M – 20.26M
+13.1% YoY
EBIT
148.9K
est: 5.17M (-97.1%)
9.08M
est: 3.95M (+129.7%)
13.26M
est: 3.76M (+252.4%)
13.25M
est: 5.98M (+121.8%)
2.17M
est: 6.57M (-67.0%)
5.60M
est: 13.14M (-57.4%)
206.8K
est: 9.58M (-97.8%)
10.84M
10.84M – 10.84M
+13.1% YoY
12.26M
12.26M – 12.26M
+13.1% YoY
13.86M
13.86M – 13.86M
+13.1% YoY
15.67M
15.67M – 15.67M
+13.1% YoY
17.72M
17.72M – 17.72M
+13.1% YoY
20.04M
20.04M – 20.04M
+13.1% YoY
Net Income
191.3K
est: -1.36M (+114.0%)
7.36M
est: 4.90M (+50.4%)
10.73M
est: 5.19M (+106.6%)
10.56M
est: 5.71M (+85.0%)
2.32M
est: 6.28M (-63.1%)
4.71M
est: 3.93M (+19.9%)
374.2K
est: 3.96M (-90.5%)
3.96M
3.96M – 3.96M
+0.0% YoY
431.6K
431.6K – 431.6K
-89.1% YoY
1.94M
1.94M – 1.94M
+350.0% YoY
4.68M
4.68M – 4.68M
+140.7% YoY
3.60M
3.60M – 3.60M
-23.1% YoY
3.88M
3.88M – 3.88M
+8.0% YoY
SGA
12.09M
est: 22.40M (-46.0%)
16.43M
est: 13.93M (+17.9%)
16.61M
est: 14.99M (+10.8%)
15.97M
est: 16.49M (-3.1%)
15.60M
est: 18.14M (-14.0%)
21.97M
est: 23.87M (-8.0%)
16.18M
est: 20.60M (-21.5%)
23.30M
23.30M – 23.30M
+13.1% YoY
26.34M
26.34M – 26.34M
+13.1% YoY
29.79M
29.79M – 29.79M
+13.1% YoY
33.69M
33.69M – 33.69M
+13.1% YoY
38.10M
38.10M – 38.10M
+13.1% YoY
43.08M
43.08M – 43.08M
+13.1% YoY
EPS
0.03
est: 0.06 (-52.8%)
1.02
est: 0.65 (+56.9%)
1.47
est: 0.50 (+194.0%)
1.45
est: 0.54 (+168.5%)
0.32
est: 0.56 (-42.9%)
0.65
est: 0.54 (+20.4%)
0.05
est: 0.55 (-90.5%)
0.55
0.55 – 0.55
+0.0% YoY
0.06
0.06 – 0.06
-89.1% YoY
0.27
0.27 – 0.27
+350.0% YoY
0.65
0.65 – 0.65
+140.7% YoY
0.50
0.50 – 0.50
-23.1% YoY
0.54
0.54 – 0.54
+8.0% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-08 C+ 2/5 4/5 1/5 1/5 2/5 1/5 3/5
2026-05-06 C+ 2/5 4/5 1/5 1/5 2/5 1/5 3/5
2026-05-05 C+ 2/5 4/5 1/5 1/5 2/5 1/5 3/5
2026-05-04 C+ 2/5 4/5 1/5 1/5 2/5 1/5 3/5
2026-05-01 C+ 2/5 4/5 1/5 1/5 2/5 1/5 3/5
2026-04-30 B- 3/5 4/5 2/5 3/5 2/5 1/5 3/5
2026-04-29 B- 3/5 4/5 2/5 3/5 2/5 1/5 3/5
2026-04-28 B- 3/5 4/5 2/5 3/5 2/5 1/5 3/5
2026-04-27 B- 3/5 4/5 2/5 3/5 2/5 1/5 3/5
2026-04-24 B- 3/5 4/5 2/5 3/5 2/5 1/5 3/5
2026-04-22 B- 3/5 4/5 2/5 3/5 2/5 1/5 3/5
2026-04-17 B 3/5 4/5 2/5 4/5 2/5 1/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
569.6K
OE per share TTM
0.08
Owner's Yield
0.66%
Maintenance CapEx ratio
2.08%
Maint CapEx / Avg PPE
6.9%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
7.4K
Shares Outstanding
7.10M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Joseph Janney Thomas President, Chief Executive Officer & Director 653.1K male
Shaun E. Murphy Senior EVice President, Chief Operating Officer, Chief Risk Officer & Corporate Secretary 443.6K male
Richard A. Hutchison Executive Vice President & Chief Mortgage Officer 314.4K male
Scott Clark Senior EVP & CFO 304.1K male
Florante Santos Executive VP & Chief Technology Officer male
Kathleen H. Johnson Chief Marketing Officer female
Thyda Price Compliance Director
Anthony Denk Director Of Mortgage Production & Sales male
Victoria S. Loucks Executive Vice President & Head of Deposit Products female
David Sanders Chief Accounting Officer male
Doris Hambright HR Director
Erin L. Moore Executive VP & Head of Operations female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits