Finward Bancorp Statistics
Total Valuation
Finward Bancorp has a market cap or net worth of $183.85 million. The enterprise value is $198.71 million.
| Market Cap | 183.85M |
| Enterprise Value | 198.71M |
Important Dates
The next estimated earnings date is Monday, November 2, 2026, after market close.
| Earnings Date | Nov 2, 2026 |
| Ex-Dividend Date | Sep 18, 2026 |
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) | +0.39% |
| Owned by Insiders (%) | 12.77% |
| Owned by Institutions (%) | 37.69% |
| Float | 3.38M |
Valuation Ratios
The trailing PE ratio is 18.70 and the forward PE ratio is 14.33.
| PE Ratio | 18.70 |
| Forward PE | 14.33 |
| PS Ratio | 2.66 |
| Forward PS | 2.34 |
| PB Ratio | 1.03 |
| P/TBV Ratio | 1.19 |
| P/FCF Ratio | 11.11 |
| P/OCF Ratio | 10.62 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 20.24 |
| EV / Sales | 2.88 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 12.01 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 6.83 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 5.90%.
| Return on Equity (ROE) | 5.90% |
| Return on Assets (ROA) | 0.48% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 3.23% |
| Revenue Per Employee | $216,991 |
| Profits Per Employee | $30,868 |
| Employee Count | 318 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Finward Bancorp has paid $684,000 in taxes.
| Income Tax | 684,000 |
| Effective Tax Rate | 6.51% |
Stock Price Statistics
The stock price has increased by +31.12% in the last 52 weeks. The beta is 0.18, so Finward Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.18 |
| 52-Week Price Change | +31.12% |
| 50-Day Moving Average | 42.85 |
| 200-Day Moving Average | 37.73 |
| Relative Strength Index (RSI) | 53.24 |
| Average Volume (20 Days) | 9,800 |
Short Selling Information
The latest short interest is 112,017, so 2.59% of the outstanding shares have been sold short.
| Short Interest | 112,017 |
| Short Previous Month | 112,962 |
| Short % of Shares Out | 2.59% |
| Short % of Float | 3.31% |
| Short Ratio (days to cover) | 8.94 |
Income Statement
In the last 12 months, Finward Bancorp had revenue of $69.00 million and earned $9.82 million in profits. Earnings per share was $2.27.
| Revenue | 69.00M |
| Gross Profit | 69.00M |
| Operating Income | 12.04M |
| Pretax Income | 10.50M |
| Net Income | 9.82M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.27 |
Balance Sheet
The company has $98.11 million in cash and $112.97 million in debt, with a net cash position of -$14.86 million or -$3.43 per share.
| Cash & Cash Equivalents | 98.11M |
| Total Debt | 112.97M |
| Net Cash | -14.86M |
| Net Cash Per Share | -$3.43 |
| Equity (Book Value) | 178.29M |
| Book Value Per Share | 41.15 |
| Working Capital | -1.72B |
Cash Flow
In the last 12 months, operating cash flow was $17.31 million and capital expenditures -$761,000, giving a free cash flow of $16.55 million.
| Operating Cash Flow | 17.31M |
| Capital Expenditures | -761,000 |
| Depreciation & Amortization | n/a |
| Net Borrowing | -18.03M |
| Free Cash Flow | 16.55M |
| FCF Per Share | $3.82 |
Margins
| Gross Margin | n/a |
| Operating Margin | 17.45% |
| Pretax Margin | 15.22% |
| Profit Margin | 14.23% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 23.98% |
Dividends & Yields
This stock pays an annual dividend of $0.48, which amounts to a dividend yield of 1.13%.
| Dividend Per Share | $0.48 |
| Dividend Yield | 1.13% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 21.16% |
| FCF Payout Ratio | 12.57% |
| Buyback Yield | -0.47% |
| Shareholder Yield | 0.66% |
| Earnings Yield | 5.34% |
| FCF Yield | 9.00% |
Analyst Forecast
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | 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 | 4 |