Finward Bancorp Statistics
Total Valuation
Finward Bancorp has a market cap or net worth of $118.30 million. The enterprise value is $163.60 million.
Important Dates
The next estimated earnings date is Wednesday, July 23, 2025, after market close.
| Earnings Date | Jul 23, 2025 |
| Ex-Dividend Date | Apr 28, 2025 |
Share Statistics
Finward Bancorp has 4.33 million shares outstanding. The number of shares has increased by 0.39% in one year.
| Current Share Class | 4.33M |
| Shares Outstanding | 4.33M |
| Shares Change (YoY) | +0.39% |
| Shares Change (QoQ) | -0.68% |
| Owned by Insiders (%) | 12.55% |
| Owned by Institutions (%) | 26.45% |
| Float | 3.39M |
Valuation Ratios
The trailing PE ratio is 35.26 and the forward PE ratio is 22.06.
| PE Ratio | 35.26 |
| Forward PE | 22.06 |
| PS Ratio | 1.90 |
| Forward PS | 1.67 |
| PB Ratio | 0.78 |
| P/TBV Ratio | 0.93 |
| P/FCF Ratio | 34.04 |
| P/OCF Ratio | 19.65 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 49.49 |
| EV / Sales | 2.66 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 47.08 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 35.13 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 2.18%.
| Return on Equity (ROE) | 2.18% |
| Return on Assets (ROA) | 0.16% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $196,262 |
| Profits Per Employee | $10,562 |
| Employee Count | 313 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Finward Bancorp has paid $514,000 in taxes.
| Income Tax | 514,000 |
| Effective Tax Rate | 13.46% |
Stock Price Statistics
The stock price has increased by +13.11% in the last 52 weeks. The beta is 0.30, so Finward Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.30 |
| 52-Week Price Change | +13.11% |
| 50-Day Moving Average | 29.69 |
| 200-Day Moving Average | 29.45 |
| Relative Strength Index (RSI) | 28.06 |
| Average Volume (20 Days) | 28,652 |
Short Selling Information
The latest short interest is 27,463, so 0.63% of the outstanding shares have been sold short.
| Short Interest | 27,463 |
| Short Previous Month | 18,230 |
| Short % of Shares Out | 0.63% |
| Short % of Float | 0.81% |
| Short Ratio (days to cover) | 4.81 |
Income Statement
In the last 12 months, Finward Bancorp had revenue of $61.43 million and earned $3.31 million in profits. Earnings per share was $0.78.
| Revenue | 61.43M |
| Gross Profit | 61.43M |
| Operating Income | 5.54M |
| Pretax Income | 15.74M |
| Net Income | 3.31M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $0.78 |
Full Income StatementBalance Sheet
The company has $76.80 million in cash and $122.09 million in debt, giving a net cash position of -$45.30 million or -$10.47 per share.
| Cash & Cash Equivalents | 76.80M |
| Total Debt | 122.09M |
| Net Cash | -45.30M |
| Net Cash Per Share | -$10.47 |
| Equity (Book Value) | 151.81M |
| Book Value Per Share | 35.10 |
| Working Capital | -1.75B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $6.02 million and capital expenditures -$2.55 million, giving a free cash flow of $3.48 million.
| Operating Cash Flow | 6.02M |
| Capital Expenditures | -2.55M |
| Free Cash Flow | 3.48M |
| FCF Per Share | $0.80 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 9.02% |
| Pretax Margin | 6.22% |
| Profit Margin | 5.38% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 5.66% |
Dividends & Yields
This stock pays an annual dividend of $0.48, which amounts to a dividend yield of 1.76%.
| Dividend Per Share | $0.48 |
| Dividend Yield | 1.76% |
| Dividend Growth (YoY) | -44.19% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 61.88% |
| Buyback Yield | -0.39% |
| Shareholder Yield | 1.33% |
| Earnings Yield | 2.79% |
| FCF Yield | 2.94% |
Dividend DetailsAnalyst Forecast
The average price target for Finward Bancorp is $34.00, which is 24.31% higher than the current price. The consensus rating is "Buy".
| Price Target | $34.00 |
| Price Target Difference | 24.31% |
| Analyst Consensus | Buy |
| Analyst Count | 1 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
The last stock split was on March 22, 1999. It was a forward split with a ratio of 2:1.
| Last Split Date | Mar 22, 1999 |
| Split Type | Forward |
| Split Ratio | 2:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |
