Finward Bancorp Statistics

Total Valuation

FNWD has a market cap or net worth of $105.59 million. The enterprise value is $137.70 million.

Market Cap	105.59M
Enterprise Value	137.70M

Important Dates

The next estimated earnings date is Tuesday, May 7, 2024, before market open.

Earnings Date	May 7, 2024
Ex-Dividend Date	Apr 22, 2024

Share Statistics

FNWD has 4.30 million shares outstanding. The number of shares has increased by 0.06% in one year.

Shares Outstanding	4.30M
Shares Change (YoY)	+0.06%
Shares Change (QoQ)	-0.08%
Owned by Insiders (%)	13.32%
Owned by Institutions (%)	33.01%
Float	2.94M

Valuation Ratios

The trailing PE ratio is 12.53 and the forward PE ratio is 20.94.

PE Ratio	12.53
Forward PE	20.94
PS Ratio	1.67
Forward PS	1.34
PB Ratio	0.72
P/FCF Ratio	4.42
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 9.05, with an EV/FCF ratio of 5.77.

EV / Earnings	16.43
EV / Sales	2.18
EV / EBITDA	9.05
EV / EBIT	17.12
EV / FCF	5.77

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	0.80
Debt / EBITDA	7.77
Debt / FCF	4.95
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.20% and return on invested capital (ROIC) is 3.16%.

Return on Equity (ROE)	6.20%
Return on Assets (ROA)	0.40%
Return on Capital (ROIC)	3.16%
Revenue Per Employee	$229,261
Profits Per Employee	$30,362
Employee Count	276
Asset Turnover	0.03
Inventory Turnover	n/a

Taxes

Income Tax	-335,000
Effective Tax Rate	-4.16%

Stock Price Statistics

The stock price has decreased by -16.60% in the last 52 weeks. The beta is 0.55, so FNWD's price volatility has been lower than the market average.

Beta (1Y)	0.55
52-Week Price Change	-16.60%
50-Day Moving Average	24.03
200-Day Moving Average	22.85
Relative Strength Index (RSI)	53.75
Average Volume (30 Days)	9,790

Short Selling Information

The latest short interest is 5,818, so 0.14% of the outstanding shares have been sold short.

Short Interest	5,818
Short Previous Month	6,427
Short % of Shares Out	0.14%
Short % of Float	0.20%
Short Ratio (days to cover)	0.35

Income Statement

In the last 12 months, FNWD had revenue of $63.28 million and earned $8.38 million in profits. Earnings per share was $1.96.

Revenue	63.28M
Gross Profit	63.28M
Operating Income	8.05M
Pretax Income	8.05M
Net Income	8.38M
EBITDA	15.21M
EBIT	8.05M
Earnings Per Share (EPS)	$1.96

Full Income Statement

Balance Sheet

The company has $86.01 million in cash and $118.12 million in debt, giving a net cash position of -$32.12 million or -$7.47 per share.

Cash & Cash Equivalents	86.01M
Total Debt	118.12M
Net Cash	-32.12M
Net Cash Per Share	-$7.47
Equity / Book Value	147.35M
Book Value Per Share	34.27
Working Capital	n/a

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $24.21 million and capital expenditures -$349,000, giving a free cash flow of $23.86 million.

Operating Cash Flow	24.21M
Capital Expenditures	-349,000
Free Cash Flow	23.86M
FCF Per Share	$5.55

Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of 12.71% and 13.24%.

Gross Margin	100.00%
Operating Margin	12.71%
Pretax Margin	12.71%
Profit Margin	13.24%
EBITDA Margin	24.03%
EBIT Margin	12.71%
FCF Margin	37.71%

Dividends & Yields

This stock pays an annual dividend of $0.48, which amounts to a dividend yield of 1.95%.

Dividend Per Share	$0.48
Dividend Yield	1.95%
Dividend Growth (YoY)	-30.65%
Years of Dividend Growth	n/a
Payout Ratio	24.49%
Buyback Yield	-0.06%
Shareholder Yield	1.89%
Earnings Yield	7.94%
FCF Yield	22.60%

Dividend Details

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

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