Finward Bancorp Statistics
Total Valuation
Finward Bancorp has a market cap or net worth of $154.10 million. The enterprise value is $140.54 million.
| Market Cap | 154.10M |
| Enterprise Value | 140.54M |
Important Dates
The next estimated earnings date is Tuesday, July 28, 2026, after market close.
| Earnings Date | Jul 28, 2026 |
| Ex-Dividend Date | Jun 17, 2026 |
Share Statistics
Finward Bancorp has 4.33 million shares outstanding. The number of shares has increased by 0.43% in one year.
| Current Share Class | 4.33M |
| Shares Outstanding | 4.33M |
| Shares Change (YoY) | +0.43% |
| Shares Change (QoQ) | +0.02% |
| Owned by Insiders (%) | 12.77% |
| Owned by Institutions (%) | 39.89% |
| Float | 3.38M |
Valuation Ratios
The trailing PE ratio is 15.55 and the forward PE ratio is 12.87.
| PE Ratio | 15.55 |
| Forward PE | 12.87 |
| PS Ratio | 2.25 |
| Forward PS | 1.98 |
| PB Ratio | 0.89 |
| P/TBV Ratio | 1.03 |
| P/FCF Ratio | 9.32 |
| P/OCF Ratio | 8.88 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 14.23 |
| EV / Sales | 2.05 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 8.50 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 6.57 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 6.09%.
| Return on Equity (ROE) | 6.09% |
| Return on Assets (ROA) | 0.49% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 3.15% |
| Revenue Per Employee | $215,695 |
| Profits Per Employee | $31,050 |
| Employee Count | 318 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Finward Bancorp has paid $285,000 in taxes.
| Income Tax | 285,000 |
| Effective Tax Rate | 2.81% |
Stock Price Statistics
The stock price has increased by +26.12% in the last 52 weeks. The beta is 0.20, so Finward Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.20 |
| 52-Week Price Change | +26.12% |
| 50-Day Moving Average | 33.42 |
| 200-Day Moving Average | 35.04 |
| Relative Strength Index (RSI) | 57.47 |
| Average Volume (20 Days) | 33,773 |
Short Selling Information
The latest short interest is 107,385, so 2.48% of the outstanding shares have been sold short.
| Short Interest | 107,385 |
| Short Previous Month | 152,681 |
| Short % of Shares Out | 2.48% |
| Short % of Float | 3.18% |
| Short Ratio (days to cover) | 11.44 |
Income Statement
In the last 12 months, Finward Bancorp had revenue of $68.59 million and earned $9.87 million in profits. Earnings per share was $2.29.
| Revenue | 68.59M |
| Gross Profit | 68.59M |
| Operating Income | 11.83M |
| Pretax Income | 10.16M |
| Net Income | 9.87M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.29 |
Balance Sheet
The company has $122.23 million in cash and $108.66 million in debt, with a net cash position of $13.57 million or $3.13 per share.
| Cash & Cash Equivalents | 122.23M |
| Total Debt | 108.66M |
| Net Cash | 13.57M |
| Net Cash Per Share | $3.13 |
| Equity (Book Value) | 172.40M |
| Book Value Per Share | 39.81 |
| Working Capital | -1.66B |
Cash Flow
In the last 12 months, operating cash flow was $17.35 million and capital expenditures -$805,000, giving a free cash flow of $16.54 million.
| Operating Cash Flow | 17.35M |
| Capital Expenditures | -805,000 |
| Depreciation & Amortization | n/a |
| Net Borrowing | -10.90M |
| Free Cash Flow | 16.54M |
| FCF Per Share | $3.82 |
Margins
| Gross Margin | n/a |
| Operating Margin | 17.24% |
| Pretax Margin | 14.81% |
| Profit Margin | 14.40% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 24.11% |
Dividends & Yields
This stock pays an annual dividend of $0.48, which amounts to a dividend yield of 1.35%.
| Dividend Per Share | $0.48 |
| Dividend Yield | 1.35% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 20.97% |
| Buyback Yield | -0.43% |
| Shareholder Yield | 0.92% |
| Earnings Yield | 6.41% |
| FCF Yield | 10.73% |
Analyst Forecast
The average price target for Finward Bancorp is $38.50, which is 8.18% higher than the current price. The consensus rating is "Buy".
| Price Target | $38.50 |
| Price Target Difference | 8.18% |
| Analyst Consensus | Buy |
| Analyst Count | 2 |
| 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 |