Finward Bancorp Statistics
Total Valuation
Finward Bancorp has a market cap or net worth of $140.17 million. The enterprise value is $164.79 million.
Important Dates
The next estimated earnings date is Thursday, October 23, 2025, after market close.
| Earnings Date | Oct 23, 2025 |
| Ex-Dividend Date | Aug 29, 2025 |
Share Statistics
Finward Bancorp has 4.32 million shares outstanding. The number of shares has decreased by -0.01% in one year.
| Current Share Class | 4.32M |
| Shares Outstanding | 4.32M |
| Shares Change (YoY) | -0.01% |
| Shares Change (QoQ) | +0.28% |
| Owned by Insiders (%) | 12.67% |
| Owned by Institutions (%) | 31.85% |
| Float | 3.38M |
Valuation Ratios
The trailing PE ratio is 26.07 and the forward PE ratio is 17.71.
| PE Ratio | 26.07 |
| Forward PE | 17.71 |
| PS Ratio | 2.17 |
| Forward PS | 1.89 |
| PB Ratio | 0.91 |
| P/TBV Ratio | 1.07 |
| P/FCF Ratio | 20.47 |
| P/OCF Ratio | 17.43 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 31.02 |
| EV / Sales | 2.58 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 24.06 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 19.30 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 3.51%.
| Return on Equity (ROE) | 3.51% |
| Return on Assets (ROA) | 0.26% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $203,770 |
| Profits Per Employee | $16,974 |
| Employee Count | 313 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Finward Bancorp has paid $488,000 in taxes.
| Income Tax | 488,000 |
| Effective Tax Rate | 8.41% |
Stock Price Statistics
The stock price has increased by +18.29% in the last 52 weeks. The beta is 0.32, so Finward Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.32 |
| 52-Week Price Change | +18.29% |
| 50-Day Moving Average | 28.86 |
| 200-Day Moving Average | 28.92 |
| Relative Strength Index (RSI) | 72.05 |
| Average Volume (20 Days) | 37,172 |
Short Selling Information
The latest short interest is 129,355, so 2.99% of the outstanding shares have been sold short.
| Short Interest | 129,355 |
| Short Previous Month | 114,041 |
| Short % of Shares Out | 2.99% |
| Short % of Float | 3.83% |
| Short Ratio (days to cover) | 1.77 |
Income Statement
In the last 12 months, Finward Bancorp had revenue of $63.78 million and earned $5.31 million in profits. Earnings per share was $1.24.
| Revenue | 63.78M |
| Gross Profit | 63.78M |
| Operating Income | 7.60M |
| Pretax Income | 15.74M |
| Net Income | 5.31M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.24 |
Full Income StatementBalance Sheet
The company has $107.55 million in cash and $132.18 million in debt, giving a net cash position of -$24.63 million or -$5.69 per share.
| Cash & Cash Equivalents | 107.55M |
| Total Debt | 132.18M |
| Net Cash | -24.63M |
| Net Cash Per Share | -$5.69 |
| Equity (Book Value) | 154.25M |
| Book Value Per Share | 35.67 |
| Working Capital | -1.72B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $8.04 million and capital expenditures -$1.19 million, giving a free cash flow of $6.85 million.
| Operating Cash Flow | 8.04M |
| Capital Expenditures | -1.19M |
| Free Cash Flow | 6.85M |
| FCF Per Share | $1.58 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 11.91% |
| Pretax Margin | 9.10% |
| Profit Margin | 8.33% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 10.74% |
Dividends & Yields
This stock pays an annual dividend of $0.48, which amounts to a dividend yield of 1.48%.
| Dividend Per Share | $0.48 |
| Dividend Yield | 1.48% |
| Dividend Growth (YoY) | -28.36% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 38.62% |
| Buyback Yield | 0.01% |
| Shareholder Yield | 1.48% |
| Earnings Yield | 3.79% |
| FCF Yield | 4.89% |
Dividend DetailsAnalyst Forecast
The average price target for Finward Bancorp is $34.00, which is 4.91% higher than the current price. The consensus rating is "Buy".
| Price Target | $34.00 |
| Price Target Difference | 4.91% |
| 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 |
