Finward Bancorp Statistics
Total Valuation
Finward Bancorp has a market cap or net worth of $159.54 million. The enterprise value is $173.39 million.
Important Dates
The last earnings date was Tuesday, October 28, 2025, after market close.
| Earnings Date | Oct 28, 2025 |
| Ex-Dividend Date | Aug 29, 2025 |
Share Statistics
Finward Bancorp has 4.33 million shares outstanding. The number of shares has increased by 0.47% in one year.
| Current Share Class | 4.33M |
| Shares Outstanding | 4.33M |
| Shares Change (YoY) | +0.47% |
| Shares Change (QoQ) | +0.06% |
| Owned by Insiders (%) | 12.67% |
| Owned by Institutions (%) | 35.79% |
| Float | 3.38M |
Valuation Ratios
The trailing PE ratio is 19.30 and the forward PE ratio is 14.87.
| PE Ratio | 19.30 |
| Forward PE | 14.87 |
| PS Ratio | 2.36 |
| Forward PS | 2.11 |
| PB Ratio | 0.96 |
| P/TBV Ratio | 1.12 |
| P/FCF Ratio | 13.15 |
| P/OCF Ratio | 12.31 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 21.13 |
| EV / Sales | 2.60 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 14.29 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 10.07 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 5.05%.
| Return on Equity (ROE) | 5.05% |
| Return on Assets (ROA) | 0.40% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $212,665 |
| Profits Per Employee | $26,211 |
| Employee Count | 313 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Finward Bancorp has paid $758,000 in taxes.
| Income Tax | 758,000 |
| Effective Tax Rate | 8.46% |
Stock Price Statistics
The stock price has increased by +18.36% in the last 52 weeks. The beta is 0.34, so Finward Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.34 |
| 52-Week Price Change | +18.36% |
| 50-Day Moving Average | 33.12 |
| 200-Day Moving Average | 30.00 |
| Relative Strength Index (RSI) | 71.97 |
| Average Volume (20 Days) | 28,841 |
Short Selling Information
The latest short interest is 78,955, so 1.82% of the outstanding shares have been sold short.
| Short Interest | 78,955 |
| Short Previous Month | 91,828 |
| Short % of Shares Out | 1.82% |
| Short % of Float | 2.33% |
| Short Ratio (days to cover) | 2.86 |
Income Statement
In the last 12 months, Finward Bancorp had revenue of $66.56 million and earned $8.20 million in profits. Earnings per share was $1.91.
| Revenue | 66.56M |
| Gross Profit | 66.56M |
| Operating Income | 10.72M |
| Pretax Income | 8.96M |
| Net Income | 8.20M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.91 |
Full Income StatementBalance Sheet
The company has $108.31 million in cash and $122.17 million in debt, giving a net cash position of -$13.85 million or -$3.20 per share.
| Cash & Cash Equivalents | 108.31M |
| Total Debt | 122.17M |
| Net Cash | -13.85M |
| Net Cash Per Share | -$3.20 |
| Equity (Book Value) | 165.50M |
| Book Value Per Share | 38.24 |
| Working Capital | -1.70B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $12.97 million and capital expenditures -$835,000, giving a free cash flow of $12.13 million.
| Operating Cash Flow | 12.97M |
| Capital Expenditures | -835,000 |
| Free Cash Flow | 12.13M |
| FCF Per Share | $2.80 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 16.11% |
| Pretax Margin | 13.46% |
| Profit Margin | 12.32% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 18.22% |
Dividends & Yields
This stock pays an annual dividend of $0.48, which amounts to a dividend yield of 1.30%.
| Dividend Per Share | $0.48 |
| Dividend Yield | 1.30% |
| Dividend Growth (YoY) | -28.36% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 25.12% |
| Buyback Yield | -0.47% |
| Shareholder Yield | 0.84% |
| Earnings Yield | 5.14% |
| FCF Yield | 7.60% |
Dividend DetailsAnalyst Forecast
The average price target for Finward Bancorp is $34.00, which is -7.78% lower than the current price. The consensus rating is "Buy".
| Price Target | $34.00 |
| Price Target Difference | -7.78% |
| 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 |
