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Finward Bancorp (FNWD) Ratios
Finward Bancorp Ratios
FNWD's free cash flow for Q2 2026 was $4.87M. For the 2026 fiscal year, FNWD's free cash flow was increased by $135.00K and operating cash flow was $4.74M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 1.77 | 0.23 | 0.25 | 0.23 | 0.39 |
| Quick Ratio | 1.77 | 0.23 | 0.25 | 0.23 | 0.39 |
| Cash Ratio | 0.02 | 0.04 | 0.05 | 0.02 | 0.02 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 0.25 | 0.24 | 0.64 | 1.14 | 1.17 |
| Net Current Asset Value | $ -53.86M | $ -1.50B | $ -1.50B | $ -1.52B | $ -898.62M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.04 | 0.05 | 0.06 | 0.07 | 0.01 |
| Debt-to-Equity Ratio | 0.48 | 0.69 | 0.80 | 0.99 | 0.09 |
| Debt-to-Capital Ratio | 0.33 | 0.41 | 0.44 | 0.50 | 0.09 |
| Long-Term Debt-to-Capital Ratio | 0.21 | 0.30 | 0.35 | 0.47 | 0.00 |
| Financial Leverage Ratio | 11.57 | 13.61 | 14.31 | 15.18 | 10.35 |
| Debt Service Coverage Ratio | 0.19 | 0.24 | 0.22 | 1.03 | 1.17 |
| Interest Coverage Ratio | 0.23 | 0.33 | 0.26 | 3.39 | 7.87 |
| Debt to Market Cap | 0.56 | 0.88 | 1.09 | 0.90 | 0.09 |
| Interest Debt Per Share | 28.03 | 34.15 | 34.93 | 33.61 | 4.79 |
| Net Debt to EBITDA | 4.65 | 1.70 | 2.14 | 4.52 | -0.95 |
| Profitability Margins | |||||
| Gross Profit Margin | 65.55% | 64.03% | 65.55% | 94.15% | 94.61% |
| EBIT Margin | 8.02% | 12.03% | 8.33% | 19.82% | 24.59% |
| EBITDA Margin | 14.15% | 18.55% | 15.75% | 26.96% | 31.43% |
| Operating Profit Margin | 8.02% | 12.03% | 8.33% | 19.82% | 24.59% |
| Pretax Profit Margin | 8.02% | 12.03% | 8.33% | 19.82% | 24.59% |
| Net Profit Margin | 8.00% | 10.85% | 8.68% | 18.05% | 22.47% |
| Continuous Operations Profit Margin | 8.00% | 10.85% | 8.68% | 18.05% | 22.47% |
| Net Income Per EBT | 99.72% | 90.15% | 104.16% | 91.07% | 91.37% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.40% | 0.59% | 0.40% | 0.73% | 0.92% |
| Return on Equity (ROE) | 4.63% | 8.01% | 5.69% | 11.06% | 9.55% |
| Return on Capital Employed (ROCE) | 0.80% | 5.17% | 3.13% | 6.46% | 10.46% |
| Return on Invested Capital (ROIC) | 0.91% | 4.04% | 2.73% | 5.55% | 8.80% |
| Return on Tangible Assets | 0.40% | 0.60% | 0.40% | 0.74% | 0.93% |
| Earnings Yield | 5.38% | 10.10% | 7.77% | 9.97% | 9.38% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.07 | 14.48 | 12.00 | 11.26 | 12.23 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 2.25 | 2.37 | 2.51 | 2.08 | 2.12 |
| Asset Turnover | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.33 | -0.08 | -0.07 | -0.07 | -0.07 |
| Cash Conversion Cycle | 5266.44 | 25.20 | 30.42 | 32.42 | 29.83 |
| Days of Sales Outstanding | 5266.44 | 25.20 | 30.42 | 32.42 | 29.83 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 5266.44 | 25.20 | 30.42 | 32.42 | 29.83 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 2.32 | 2.30 | 5.66 | 4.24 | 4.90 |
| Free Cash Flow Per Share | 2.12 | 1.58 | 5.39 | 3.52 | 4.00 |
| Dividend Paid and CapEx Coverage Ratio | 4.11 | 1.91 | 3.73 | 2.19 | 2.29 |
| Capital Expenditure Coverage Ratio | 11.61 | 3.19 | 21.09 | 5.85 | 5.45 |
| Operating Cash Flow Coverage Ratio | 0.12 | 0.09 | 0.20 | 0.13 | 1.17 |
| Operating Cash Flow to Sales Ratio | 0.10 | 0.09 | 0.25 | 0.21 | 0.26 |
| Free Cash Flow Yield | 6.02% | 5.61% | 21.37% | 9.72% | 8.72% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 18.62 | 9.90 | 12.88 | 10.03 | 10.66 |
| Price-to-Sales (P/S) Ratio | 1.49 | 1.07 | 1.12 | 1.81 | 2.40 |
| Price-to-Book (P/B) Ratio | 0.86 | 0.79 | 0.73 | 1.11 | 1.02 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 16.61 | 17.84 | 4.68 | 10.29 | 11.47 |
| Price-to-Operating Cash Flow Ratio | 15.18 | 12.24 | 4.46 | 8.53 | 9.36 |
| Price-to-Earnings Growth (PEG) Ratio | -0.56 | 0.22 | -0.28 | -0.62 | -1.04 |
| Enterprise Value Multiple | 15.16 | 7.48 | 9.24 | 11.24 | 6.67 |
| Enterprise Value | 216.75M | 155.24M | 140.45M | 253.09M | 139.70M |
| EV to EBITDA | 15.16 | 7.48 | 9.24 | 11.24 | 6.67 |
| EV to Sales | 2.14 | 1.39 | 1.45 | 3.03 | 2.10 |
| EV to Free Cash Flow | 23.96 | 23.06 | 6.09 | 17.22 | 10.04 |
| EV to Operating Cash Flow | 21.89 | 15.83 | 5.80 | 14.27 | 8.20 |
| Tangible Book Value Per Share | 35.37 | 29.77 | 28.46 | 26.14 | 40.95 |
| Shareholders’ Equity Per Share | 40.89 | 35.45 | 34.46 | 32.65 | 45.04 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.00 | 0.10 | -0.04 | 0.09 | 0.09 |
| Revenue Per Share | 23.66 | 26.18 | 22.58 | 20.00 | 19.15 |
| Net Income Per Share | 1.89 | 2.84 | 1.96 | 3.61 | 4.30 |
| Tax Burden | 1.00 | 0.90 | 1.04 | 0.91 | 0.91 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.32 | 0.27 | 0.31 | 0.36 | 0.38 |
| Stock-Based Compensation to Revenue | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 1.22 | 0.81 | 2.89 | 1.18 | 1.14 |
Currency in USD
