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Redwood Financial, Inc. (REDW)

USD195.50 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 1000 East Cook Street 56283-0317
Redwood Falls, MN, US
CEO Daryl L. Karsky
Website htbmn.com
IPO 2004-06-16
CIK 942895 ISIN US7579031094

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Description

Redwood Financial, Inc., established in 1924 and headquartered in Redwood Falls, Minnesota, functions as the financial holding company for HomeTown Bank. This institution provides a comprehensive suite of banking and financial services throughout Minnesota. Its offerings encompass a wide range of deposit options, including checking, savings, money market, and demand accounts, alongside IRAs, HSAs, and certificates of deposit. Lending solutions are equally diverse, covering personal, home equity, real estate, business, and agricultural financing. Beyond traditional banking, the company also provides a varied portfolio of insurance products, such as property, casualty, crop, and health/life coverage. Customers benefit from a host of convenience and business services like ATMs, bill pay, notary, safe deposit boxes, wire transfers, positive pay, remote deposit capture, merchant card services, and ACH transaction processing. Additionally, it offers credit cards and robust digital banking options through online, phone, and mobile platforms. Its extensive client base includes individuals, businesses, and the agricultural community.

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
USD195.50 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
14
Beta
0.26
Float Shares
113.7K
Free Float %
25.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +15.79% +6.28% -5.47% +0.00% +0.00% +46.67% +109.52% +82.57% +519.72% +2,377.48%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

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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
195.50
DCF (Levered) 239.42 +22.5%

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)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Operational MOAT
  • Revenue growth
    +47.1%
  • EPS growth
    +47.9%
  • FCF margin
  • EBIT margin
  • ROIC
  • Share dilution
    +0.0%
  • Debt / EBITDA
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 (0.26) × ERP
WACC = 73% × Ke + 27% × Kd (26.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 195.50
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

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

Owner Earnings

Owner's Earnings (history)

Owner's Earnings history not available.

Owner alignment
Owner's Earnings TTM
OE per share TTM
Owner's Yield
Maintenance CapEx ratio
Maint CapEx / Avg PPE

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
2
Beneficial owners (>5%)
# Reporting person Amount owned % of class Sole voting Shared voting Sole dispositive Shared dispositive Type Citizenship Filing date SEC filing
1 Societe Generale Asset Management Corp. 13-3557071 92.0K 8.61% 92.0K IA PERSON WITH 1997-02-14
2 SoGen International Fund, Inc. 13-2672902 83.5K 7.81% 83.5K IV PERSON WITH: 1997-02-14

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
537.7K
Shares Outstanding
439.0K

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
1998-09-15 DEFA14A
1997-09-26 DEF 14A
1996-09-12 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2026-03-18 D
2017-02-14 SC 13G/A
2016-02-16 SC 13G/A
2015-08-13 SC 13G/A
2015-08-13 SC 13G/A
2013-02-15 SC 13G/A
2009-02-13 SC 13G/A
2008-02-13 SC 13G/A
2007-02-14 SC 13G/A
2005-02-15 SC 13G

Executive team

NameTitleCompensationGender
Bob Southworth Regional President, Chief Credit Officer & St. Peter Branch Manager male
Cathy L. Prouty Corporate Secretary
Daryl L. Karsky President, Chief Executive Officer & Director male
Dean K. Toft Director male
Kristen K. Beran Vice President of Operations, Treasurer & Senior Accountant 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 yield history

Dividend history

Earnings reports

Stock splits