Finward Bancorp Statistics
Total Valuation
Finward Bancorp has a market cap or net worth of $156.42 million. The enterprise value is $138.85 million.
Important Dates
The next estimated earnings date is Wednesday, April 29, 2026, after market close.
| Earnings Date | Apr 29, 2026 |
| Ex-Dividend Date | Mar 16, 2026 |
Share Statistics
Finward Bancorp has 4.33 million shares outstanding. The number of shares has increased by 0.41% in one year.
| Current Share Class | 4.33M |
| Shares Outstanding | 4.33M |
| Shares Change (YoY) | +0.41% |
| Shares Change (QoQ) | +0.06% |
| Owned by Insiders (%) | 12.71% |
| Owned by Institutions (%) | 39.37% |
| Float | 3.38M |
Valuation Ratios
The trailing PE ratio is 19.21 and the forward PE ratio is 13.40.
| PE Ratio | 19.21 |
| Forward PE | 13.40 |
| PS Ratio | 2.38 |
| Forward PS | 2.02 |
| PB Ratio | 0.90 |
| P/TBV Ratio | 1.04 |
| P/FCF Ratio | 17.40 |
| P/OCF Ratio | 15.90 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 17.17 |
| EV / Sales | 2.10 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 15.35 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 11.37 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 4.96%.
| Return on Equity (ROE) | 4.96% |
| Return on Assets (ROA) | 0.40% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 3.69% |
| Revenue Per Employee | $208,321 |
| Profits Per Employee | $25,431 |
| Employee Count | 318 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Finward Bancorp has paid $23,000 in taxes.
| Income Tax | 23,000 |
| Effective Tax Rate | 0.28% |
Stock Price Statistics
The stock price has increased by +24.12% 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 | +24.12% |
| 50-Day Moving Average | 37.03 |
| 200-Day Moving Average | 33.46 |
| Relative Strength Index (RSI) | 46.18 |
| Average Volume (20 Days) | 7,394 |
Short Selling Information
The latest short interest is 170,160, so 3.93% of the outstanding shares have been sold short.
| Short Interest | 170,160 |
| Short Previous Month | 159,556 |
| Short % of Shares Out | 3.93% |
| Short % of Float | 5.03% |
| Short Ratio (days to cover) | 24.56 |
Income Statement
In the last 12 months, Finward Bancorp had revenue of $66.25 million and earned $8.09 million in profits. Earnings per share was $1.88.
| Revenue | 66.25M |
| Gross Profit | 66.25M |
| Operating Income | 9.83M |
| Pretax Income | 8.11M |
| Net Income | 8.09M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.88 |
Full Income StatementBalance Sheet
The company has $121.44 million in cash and $102.88 million in debt, with a net cash position of $18.56 million or $4.29 per share.
| Cash & Cash Equivalents | 121.44M |
| Total Debt | 102.88M |
| Net Cash | 18.56M |
| Net Cash Per Share | $4.29 |
| Equity (Book Value) | 174.66M |
| Book Value Per Share | 40.37 |
| Working Capital | -1.65B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $9.90 million and capital expenditures -$853,000, giving a free cash flow of $9.05 million.
| Operating Cash Flow | 9.90M |
| Capital Expenditures | -853,000 |
| Depreciation & Amortization | n/a |
| Net Borrowing | -20.41M |
| Free Cash Flow | 9.05M |
| FCF Per Share | $2.09 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 14.84% |
| Pretax Margin | 12.24% |
| Profit Margin | 12.21% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 13.66% |
Dividends & Yields
This stock pays an annual dividend of $0.48, which amounts to a dividend yield of 1.33%.
| Dividend Per Share | $0.48 |
| Dividend Yield | 1.33% |
| Dividend Growth (YoY) | -25.00% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 19.15% |
| Buyback Yield | -0.41% |
| Shareholder Yield | 0.92% |
| Earnings Yield | 5.14% |
| FCF Yield | 5.75% |
Dividend DetailsAnalyst Forecast
The average price target for Finward Bancorp is $37.50, which is 3.82% higher than the current price. The consensus rating is "Buy".
| Price Target | $37.50 |
| Price Target Difference | 3.82% |
| Analyst Consensus | Buy |
| Analyst Count | 2 |
| 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 |
