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Finward Bancorp (FNWD)
NASDAQ:FNWD
Total Valuation
Finward Bancorp has a market cap or net worth of $141.60M. The enterprise value is $208.97M.
Market Cap$141.60M
Enterprise Value$208.97M
Share Statistics
Finward Bancorp has 4,324,889 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding4,324,889
Owned by Insiders4.38%
Owned by Institutions18.10%
Financial Efficiency
Finward Bancorp’s return on equity (ROE) is 0.08 and return on invested capital (ROIC) is 4.03%.
Return on Equity (ROE)0.08
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)4.03%
Return on Capital Employed (ROCE)0.05
Revenue Per Employee381.66K
Profits Per Employee41.40K
Employee Count293
Asset Turnover0.05
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Finward Bancorp is 26.3. Finward Bancorp’s PEG ratio is 0.22.
PE Ratio26.3
PS Ratio1.07
PB Ratio0.79
Price to Fair Value0.79
Price to FCF17.84
Price to Operating Cash Flow17.22
PEG Ratio0.22
Income Statement
In the last 12 months, Finward Bancorp had revenue of 111.83M and earned 12.13M in profits. Earnings per share was 2.84.
Revenue111.83M
Gross Profit71.60M
Operating Income13.46M
Pretax Income13.46M
Net Income12.13M
EBITDA20.75M
Earnings Per Share (EPS)2.84
Cash Flow
In the last 12 months, operating cash flow was 8.04M and capital expenditures -1.19M, giving a free cash flow of 6.85M billion.
Operating Cash Flow8.04M
Free Cash Flow6.85M
Free Cash Flow per Share1.58
Dividends & Yields
Finward Bancorp pays an annual dividend of $0.12, resulting in a dividend yield of 1.47%
Dividend Per Share$0.12
Dividend Yield1.47%
Payout Ratio38.71%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.12
52-Week Price Change4.94%
50-Day Moving Average29.78
200-Day Moving Average28.81
Relative Strength Index (RSI)65.86
Average Volume (3m)31.61K
Important Dates
Finward Bancorp upcoming earnings date is Nov 4, 2025, Before Open (Confirmed).
Last Earnings DateJul 29, 2025
Next Earnings DateNov 4, 2025
Ex-Dividend DateAug 29, 2025
Financial Position
Finward Bancorp as a current ratio of 0.23, with Debt / Equity ratio of 73.47%
Current Ratio0.23
Quick Ratio0.23
Debt to Market Cap0.88
Net Debt to EBITDA1.70
Interest Coverage Ratio0.33
Taxes
In the past 12 months, Finward Bancorp has paid 1.32M in taxes.
Income Tax1.32M
Effective Tax Rate0.10
Enterprise Valuation
Finward Bancorp EV to EBITDA ratio is 7.48, with an EV/FCF ratio of 23.06.
EV to Sales1.39
EV to EBITDA7.48
EV to Free Cash Flow23.06
EV to Operating Cash Flow15.83
Balance Sheet
Finward Bancorp has $350.87M in cash and marketable securities with $113.33M in debt, giving a net cash position of $237.54M billion.
Cash & Marketable Securities$350.87M
Total Debt$113.33M
Net Cash$237.54M
Net Cash Per Share$54.92
Tangible Book Value Per Share$29.77
Margins
Gross margin is 62.78%, with operating margin of 12.03%, and net profit margin of 10.85%.
Gross Margin62.78%
Operating Margin12.03%
Pretax Margin12.03%
Net Profit Margin10.85%
EBITDA Margin18.55%
EBIT Margin12.03%
Analyst Forecast
The average price target for Finward Bancorp is $36.00, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$36.00
Price Target Upside9.96% Upside
Analyst ConsensusModerate Buy
Analyst Count0
Revenue Growth Forecast-7.40%
EPS Growth Forecast-59.70%