Finward Bancorp Statistics
Total Valuation
Finward Bancorp has a market cap or net worth of $192.65 million. The enterprise value is $193.30 million.
| Market Cap | 192.65M |
| Enterprise Value | 193.30M |
Important Dates
The next estimated earnings date is Tuesday, August 11, 2026, after market close.
| Earnings Date | Aug 11, 2026 |
| Ex-Dividend Date | Jun 17, 2026 |
Share Statistics
Finward Bancorp has 4.33 million shares outstanding. The number of shares has increased by 0.48% in one year.
| Current Share Class | 4.33M |
| Shares Outstanding | 4.33M |
| Shares Change (YoY) | +0.48% |
| Shares Change (QoQ) | +0.39% |
| Owned by Insiders (%) | 12.77% |
| Owned by Institutions (%) | 39.81% |
| Float | 3.38M |
Valuation Ratios
The trailing PE ratio is 19.60 and the forward PE ratio is 15.02.
| PE Ratio | 19.60 |
| Forward PE | 15.02 |
| PS Ratio | 2.79 |
| Forward PS | 2.45 |
| PB Ratio | 1.08 |
| P/TBV Ratio | 1.24 |
| P/FCF Ratio | 11.65 |
| P/OCF Ratio | 11.11 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 19.69 |
| EV / Sales | 2.80 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 11.69 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 5.76 |
| 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) | 3.59% |
| 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 +58.50% 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 | +58.50% |
| 50-Day Moving Average | 36.06 |
| 200-Day Moving Average | 35.69 |
| Relative Strength Index (RSI) | 82.55 |
| Average Volume (20 Days) | 24,855 |
Short Selling Information
The latest short interest is 84,470, so 1.95% of the outstanding shares have been sold short.
| Short Interest | 84,470 |
| Short Previous Month | 87,394 |
| Short % of Shares Out | 1.95% |
| Short % of Float | 2.50% |
| Short Ratio (days to cover) | 2.59 |
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 $94.64 million in cash and $95.30 million in debt, with a net cash position of -$659,000 or -$0.15 per share.
| Cash & Cash Equivalents | 94.64M |
| Total Debt | 95.30M |
| Net Cash | -659,000 |
| Net Cash Per Share | -$0.15 |
| Equity (Book Value) | 178.29M |
| Book Value Per Share | 41.15 |
| Working Capital | -1.69B |
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 | 17.45% |
| Pretax Margin | 15.22% |
| Profit Margin | 14.23% |
| 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 1.08%.
| Dividend Per Share | $0.48 |
| Dividend Yield | 1.08% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 21.16% |
| Buyback Yield | -0.48% |
| Shareholder Yield | 0.60% |
| Earnings Yield | 5.10% |
| FCF Yield | 8.59% |
Analyst Forecast
The average price target for Finward Bancorp is $38.00, which is -14.53% lower than the current price. The consensus rating is "Buy".
| Price Target | $38.00 |
| Price Target Difference | -14.53% |
| 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 |