Finward Bancorp (FNWD)

Finward Bancorp Statistics

Total Valuation

Finward Bancorp has a market cap or net worth of $152.11 million. The enterprise value is $151.36 million.

Market Cap	152.11M
Enterprise Value	151.36M

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 (%)	32.59%
Float	3.38M

Valuation Ratios

The trailing PE ratio is 18.40 and the forward PE ratio is 14.17.

PE Ratio	18.40
Forward PE	14.17
PS Ratio	2.25
Forward PS	2.02
PB Ratio	0.92
P/TBV Ratio	1.07
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	18.45
EV / Sales	2.27
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
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 +12.58% in the last 52 weeks. The beta is 0.33, so Finward Bancorp's price volatility has been lower than the market average.

Beta (5Y)	0.33
52-Week Price Change	+12.58%
50-Day Moving Average	32.21
200-Day Moving Average	29.40
Relative Strength Index (RSI)	72.09
Average Volume (20 Days)	31,266

Short Selling Information

The latest short interest is 91,828, so 2.12% of the outstanding shares have been sold short.

Short Interest	91,828
Short Previous Month	130,210
Short % of Shares Out	2.12%
Short % of Float	2.71%
Short Ratio (days to cover)	4.83

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

Balance Sheet

The company has $104.18 million in cash and $103.43 million in debt, giving a net cash position of $752,000 or $0.17 per share.

Cash & Cash Equivalents	104.18M
Total Debt	103.43M
Net Cash	752,000
Net Cash Per Share	$0.17
Equity (Book Value)	165.50M
Book Value Per Share	38.24
Working Capital	-1.77B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

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	n/a

Dividends & Yields

This stock pays an annual dividend of $0.48, which amounts to a dividend yield of 1.37%.

Dividend Per Share	$0.48
Dividend Yield	1.37%
Dividend Growth (YoY)	-28.36%
Years of Dividend Growth	n/a
Payout Ratio	25.12%
Buyback Yield	-0.47%
Shareholder Yield	0.90%
Earnings Yield	5.39%
FCF Yield	n/a

Analyst Forecast

The average price target for Finward Bancorp is $34.00, which is -3.33% lower than the current price. The consensus rating is "Buy".

Price Target	$34.00
Price Target Difference	-3.33%
Analyst Consensus	Buy
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair 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	2