Finward Bancorp (FNWD)
NASDAQ: FNWD · Real-Time Price · USD
29.10
+0.04 (0.14%)
Jun 5, 2025, 4:00 PM - Market closed

Finward Bancorp Statistics

Total Valuation

Finward Bancorp has a market cap or net worth of $125.87 million. The enterprise value is $171.17 million.

Market Cap 125.87M
Enterprise Value 171.17M

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 (%) 12.53%
Owned by Institutions (%) 26.45%
Float 3.39M

Valuation Ratios

The trailing PE ratio is 37.52 and the forward PE ratio is 23.47.

PE Ratio 37.52
Forward PE 23.47
PS Ratio 2.02
Forward PS 1.76
PB Ratio 0.83
P/TBV Ratio 0.99
P/FCF Ratio 36.22
P/OCF Ratio 20.91
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 51.78
EV / Sales 2.79
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 49.26

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 +18.20% in the last 52 weeks. The beta is 0.31, so Finward Bancorp's price volatility has been lower than the market average.

Beta (5Y) 0.31
52-Week Price Change +18.20%
50-Day Moving Average 29.85
200-Day Moving Average 29.35
Relative Strength Index (RSI) 36.91
Average Volume (20 Days) 5,444

Short Selling Information

The latest short interest is 10,368, so 0.24% of the outstanding shares have been sold short.

Short Interest 10,368
Short Previous Month 4,381
Short % of Shares Out 0.24%
Short % of Float 0.31%
Short Ratio (days to cover) 1.25

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 Statement

Balance 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 Sheet

Cash 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 Statement

Margins

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 1.65%.

Dividend Per Share $0.48
Dividend Yield 1.65%
Dividend Growth (YoY) -44.19%
Years of Dividend Growth n/a
Payout Ratio 61.88%
Buyback Yield -0.39%
Shareholder Yield 1.26%
Earnings Yield 2.63%
FCF Yield 2.76%
Dividend Details

Analyst Forecast

The average price target for Finward Bancorp is $34.00, which is 16.84% higher than the current price. The consensus rating is "Buy".

Price Target $34.00
Price Target Difference 16.84%
Analyst Consensus Buy
Analyst Count 1
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

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 4