Finward Bancorp (FNWD)

Finward Bancorp Statistics

Total Valuation

Finward Bancorp has a market cap or net worth of $128.06 million. The enterprise value is $152.68 million.

Market Cap	128.06M
Enterprise Value	152.68M

Important Dates

The last earnings date was Tuesday, July 29, 2025, after market close.

Earnings Date	Jul 29, 2025
Ex-Dividend Date	Apr 28, 2025

Share Statistics

Finward Bancorp has 4.32 million shares outstanding. The number of shares has decreased by -0.02% in one year.

Current Share Class	4.32M
Shares Outstanding	4.32M
Shares Change (YoY)	-0.02%
Shares Change (QoQ)	+0.16%
Owned by Insiders (%)	12.67%
Owned by Institutions (%)	31.64%
Float	3.38M

Valuation Ratios

The trailing PE ratio is 23.82 and the forward PE ratio is 16.18.

PE Ratio	23.82
Forward PE	16.18
PS Ratio	1.98
Forward PS	1.75
PB Ratio	0.83
P/TBV Ratio	0.98
P/FCF Ratio	n/a
P/OCF Ratio	15.93
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	28.74
EV / Sales	2.39
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

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

Financial Efficiency

Return on equity (ROE) is 3.51%.

Return on Equity (ROE)	3.51%
Return on Assets (ROA)	0.26%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$203,770
Profits Per Employee	$16,974
Employee Count	313
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, Finward Bancorp has paid $488,000 in taxes.

Income Tax	488,000
Effective Tax Rate	8.41%

Stock Price Statistics

The stock price has increased by +8.66% in the last 52 weeks. The beta is 0.29, so Finward Bancorp's price volatility has been lower than the market average.

Beta (5Y)	0.29
52-Week Price Change	+8.66%
50-Day Moving Average	28.13
200-Day Moving Average	28.94
Relative Strength Index (RSI)	64.37
Average Volume (20 Days)	85,861

Short Selling Information

The latest short interest is 114,041, so 2.64% of the outstanding shares have been sold short.

Short Interest	114,041
Short Previous Month	76,503
Short % of Shares Out	2.64%
Short % of Float	3.37%
Short Ratio (days to cover)	2.50

Income Statement

In the last 12 months, Finward Bancorp had revenue of $63.78 million and earned $5.31 million in profits. Earnings per share was $1.24.

Revenue	63.78M
Gross Profit	63.78M
Operating Income	7.60M
Pretax Income	15.74M
Net Income	5.31M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.24

Balance Sheet

The company has $107.55 million in cash and $132.18 million in debt, giving a net cash position of -$24.63 million or -$5.69 per share.

Cash & Cash Equivalents	107.55M
Total Debt	132.18M
Net Cash	-24.63M
Net Cash Per Share	-$5.69
Equity (Book Value)	154.25M
Book Value Per Share	35.67
Working Capital	-1.72B

Cash Flow

Operating Cash Flow	8.04M
Capital Expenditures	-1.19M
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	11.91%
Pretax Margin	9.10%
Profit Margin	8.33%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.48, which amounts to a dividend yield of 1.62%.

Dividend Per Share	$0.48
Dividend Yield	1.62%
Dividend Growth (YoY)	-44.19%
Years of Dividend Growth	n/a
Payout Ratio	38.62%
Buyback Yield	0.02%
Shareholder Yield	1.64%
Earnings Yield	4.15%
FCF Yield	n/a

Analyst Forecast

The average price target for Finward Bancorp is $34.00, which is 14.83% higher than the current price. The consensus rating is "Buy".

Price Target	$34.00
Price Target Difference	14.83%
Analyst Consensus	Buy
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	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