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FNWD
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New Strong Sell Stocks for September 22nd
CMTG, CBRE and FNWD have been added to the Zacks Rank #5 (Strong Sell) List on September 22, 2023.

A True Value Story: Good Credit At Finward Bancorp
Small, hidden, and totally underfollowed: this is why Finward Bancorp is a deep value play. FNWD is silently growing at a ridiculous speed for a commercial bank, revenue growth, margins expansion, and assets growth, and no one knows.

Finward Bancorp and Royal Financial, Inc. Announce Signing of Definitive Merger Agreement
MUNSTER, Ind. and CHICAGO, July 29, 2021 (GLOBE NEWSWIRE) -- Finward Bancorp (OTC Pink: FNWD) (“FNWD”), the parent of Peoples Bank, and Royal Financial, Inc. (OTCQX: RYFL) (“RYFL”) announced today they have executed a definitive merger agreement pursuant to which FNWD will acquire RYFL and its wholly-owned subsidiary, Royal Savings Bank, of Chicago, Illinois, in a stock and cash transaction. A copy of the definitive agreement is available as Exhibit 2.1 to the Form 8-K filed by FNWD today with the Securities Exchange Commission (the “SEC”) at the SEC's internet site (http://www.sec.gov).

Finward Bancorp Announces Earnings for the Quarter and Six Months Ended June 30, 2021
MUNSTER, Ind., July 28, 2021 (GLOBE NEWSWIRE) -- Finward Bancorp (the “Bancorp”), the holding company for Peoples Bank (the “Bank”), reported record net income of $8.3 million, or $2.40 per share, for the six months ended June 30, 2021. Net income for the six months ended June 30, 2021, increased by $79 thousand (1.0%), from the six months ended June 30, 2020, primarily due to higher net interest income. For the six months ended June 30, 2021, the return on average assets (ROA) was 1.06% and the return on average equity (ROE) was 10.82%.
FNWD Financial details
FNWD Financial Performance
Yearly Fundamentals Overview
Last date of statement is 2022-12-31
Metric | History | 2018-12-31 | 2019-12-31 | 2020-12-31 | 2021-12-31 | 2022-12-31 |
---|---|---|---|---|---|---|
2.02K | 2.02K | 2.02K | 2.02K | 2.02K | ||
Revenue per share | 14.35 | 15.59 | 18.49 | 18.56 | 22.62 | |
Net income per share | 3.08 | 3.5 | 4.79 | 4.3 | 4.34 | |
Operating cash flow per share | 3.48 | 3.17 | 6.11 | 4.9 | 5.11 | |
Free cash flow per share | 3.15 | 2.29 | 5.03 | 4 | 4.24 | |
Cash per share | 85.47 | 94 | 124.34 | 161.06 | 115.66 | |
Book value per share | 33.5 | 38.85 | 44.16 | 45.04 | 39.22 | |
Tangible book value per share | 30.8 | 377.66 | 427.46 | 462 | 31.4 | |
Share holders equity per share | 33.5 | 38.85 | 44.16 | 45.04 | 39.22 | |
Interest debt per share | 19.71 | 6.69 | 3.43 | 0.6 | 35.91 | |
Market cap | 130.25M | 158.44M | 125.01M | 159.54M | 125.88M | |
Enterprise value | 167.74M | 125.18M | 111.24M | 126.36M | 214.6M | |
P/E ratio | 13.95 | 13.1 | 7.53 | 10.66 | 8.35 | |
Price to sales ratio | 3 | 2.94 | 1.95 | 2.47 | 1.6 | |
POCF ratio | 12.36 | 14.46 | 5.91 | 9.36 | 7.09 | |
PFCF ratio | 13.67 | 20.01 | 7.18 | 11.47 | 8.55 | |
P/B Ratio | 1.28 | 1.18 | 0.82 | 1.02 | 0.92 | |
PTB ratio | 1.28 | 1.18 | 0.82 | 1.02 | 0.92 | |
EV to sales | 3.86 | 2.33 | 1.74 | 1.96 | 2.73 | |
Enterprise value over EBITDA | 9.06 | 7.92 | 4.9 | 6.04 | 10.01 | |
EV to operating cash flow | 15.91 | 11.42 | 5.26 | 7.41 | 12.08 | |
EV to free cash flow | 17.6 | 15.81 | 6.39 | 9.08 | 14.57 | |
Earnings yield | 0.07 | 0.08 | 0.13 | 0.09 | 0.12 | |
Free cash flow yield | 0.07 | 0.05 | 0.14 | 0.09 | 0.12 | |
Debt to equity | 0.54 | 0.1 | 0.04 | 0 | 0.88 | |
Debt to assets | 0.05 | 0.01 | 0 | 0 | 0.06 | |
Net debt to EBITDA | 2.02 | -2.1 | -0.61 | -1.58 | 4.14 | |
Current ratio | 0 | 0 | 0 | 0 | 0 | |
Interest coverage | 3.11 | 1.52 | 3.4 | 7.87 | 3.17 | |
Income quality | 1.13 | 0.91 | 1.27 | 1.14 | 1.18 | |
Dividend Yield | 0.03 | 0.03 | 0.03 | 0.03 | 0.04 | |
Payout ratio | 0.37 | 0.34 | 0.26 | 0.29 | 0.34 | |
Sales general and administrative to revenue | 0.39 | 0.37 | 0.36 | 0.39 | 0.38 | |
Research and developement to revenue | 0 | 0 | 0 | 0 | 0 | |
Intangibles to total assets | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |
Capex to operating cash flow | -0.1 | -0.28 | -0.18 | -0.18 | -0.17 | |
Capex to revenue | -0.02 | -0.06 | -0.06 | -0.05 | -0.04 | |
Capex to depreciation | -0.38 | -1.56 | -1.17 | -0.69 | -0.51 | |
Stock based compensation to revenue | 0 | 0 | 0.01 | 0.01 | 0.01 | |
Graham number | 48.2 | 55.35 | 69.02 | 66.03 | 61.86 | |
ROIC | 0.09 | 0.08 | 0.1 | 0.1 | 0.05 | |
Return on tangible assets | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |
Graham Net | -242 | 90.82 | 123.59 | 162.24 | -438.9 | |
Working capital | 821.4M | 328.51M | 435.3M | 565.51M | 1.91B | |
Tangible asset value | 93.29M | 1.3B | 1.48B | 1.61B | 109.2M | |
Net current asset value | -173.3M | 314.51M | 429.16M | 565.51M | -22.03M | |
Invested capital | 0.54 | 0.1 | 0.04 | 0 | 0.88 | |
Average receivables | 3.45M | 3.83M | 4.37M | 5.08M | 6.43M | |
Average payables | 0 | 0 | 0 | 0 | 0 | |
Average inventory | 0 | 0 | 0 | 0 | 0 | |
Days sales outstanding | 30.5 | 27.32 | 26.87 | 30.8 | 34.44 | |
Days payables outstanding | 0 | 0 | 0 | 0 | 0 | |
Days of inventory on hand | 0 | 0 | 0 | 0 | 0 | |
Receivables turnover | 11.97 | 13.36 | 13.59 | 11.85 | 10.6 | |
Payables turnover | 0 | 0 | 0 | 0 | 0 | |
Inventory turnover | 0 | 0 | 0 | 0 | 0 | |
ROE | 0.09 | 0.09 | 0.11 | 0.1 | 0.11 | |
Capex per share | -0.33 | -0.88 | -1.08 | -0.9 | -0.87 |
Quarterly Fundamentals Overview
Last date of statement is 2023-09-30 for Q3
Metric | History | 2022-09-30 | 2022-12-31 | 2023-03-31 | 2023-06-30 | 2023-09-30 |
---|---|---|---|---|---|---|
2.02K | 2.02K | 2.02K | 2.02K | 2.02K | ||
Revenue per share | 4.75 | 4.62 | 3.98 | 3.99 | 3.69 | |
Net income per share | 1.07 | 0.93 | 0.52 | 0.57 | 0.52 | |
Operating cash flow per share | 1.35 | 1.44 | 0.91 | 3.09 | 0 | |
Free cash flow per share | 1.22 | 1.35 | 0.86 | 3.03 | 0 | |
Cash per share | 93.65 | 94.5 | 99.64 | 113.11 | 97.33 | |
Book value per share | 27.82 | 32.05 | 32.62 | 31.97 | 28.25 | |
Tangible book value per share | 21.27 | 25.66 | 453.93 | 453.2 | 465.52 | |
Share holders equity per share | 27.82 | 32.05 | 32.62 | 31.97 | 28.25 | |
Interest debt per share | 13.48 | 28.91 | 24.29 | 47.69 | 25.79 | |
Market cap | 144.29M | 154.06M | 126.36M | 94.1M | 93.24M | |
Enterprise value | 162.17M | 242.78M | 171.58M | 174.83M | 122.45M | |
P/E ratio | 7.92 | 9.73 | 14.1 | 9.65 | 10.64 | |
Price to sales ratio | 7.17 | 7.84 | 7.31 | 5.52 | 6 | |
POCF ratio | 25.11 | 25.15 | 31.98 | 7.13 | 0 | |
PFCF ratio | 27.9 | 26.79 | 33.84 | 7.26 | 0 | |
P/B Ratio | 1.22 | 1.13 | 0.89 | 0.69 | 0.78 | |
PTB ratio | 1.22 | 1.13 | 0.89 | 0.69 | 0.78 | |
EV to sales | 8.05 | 12.36 | 9.93 | 10.26 | 7.88 | |
Enterprise value over EBITDA | 20.97 | 34.41 | 21.37 | 68.94 | 68.29 | |
EV to operating cash flow | 28.22 | 39.63 | 43.43 | 13.25 | 0 | |
EV to free cash flow | 31.36 | 42.22 | 45.95 | 13.49 | 0 | |
Earnings yield | 0.03 | 0.03 | 0.02 | 0.03 | 0.02 | |
Free cash flow yield | 0.04 | 0.04 | 0.03 | 0.14 | 0 | |
Debt to equity | 0.48 | 0.88 | 0.71 | 1.44 | 0.84 | |
Debt to assets | 0.03 | 0.06 | 0.05 | 0.09 | 0.05 | |
Net debt to EBITDA | 2.31 | 12.57 | 5.63 | 31.83 | 16.29 | |
Current ratio | 0 | 0 | 0 | 0 | 0 | |
Interest coverage | 5.97 | 1.89 | 1.27 | 0.33 | 0.21 | |
Income quality | 1.26 | 1.55 | 1.76 | 5.41 | 0 | |
Dividend Yield | 0.01 | 0.01 | 0.01 | 0.01 | 0 | |
Payout ratio | 0.29 | 0.34 | 0.6 | 0.55 | 0 | |
Sales general and administrative to revenue | 0.39 | 0.35 | 0.46 | 0.45 | 0.46 | |
Research and developement to revenue | 0 | 0 | 0 | 0 | 0 | |
Intangibles to total assets | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |
Capex to operating cash flow | -0.1 | -0.06 | -0.05 | -0.02 | 0 | |
Capex to revenue | -0.03 | -0.02 | -0.01 | -0.01 | 0 | |
Capex to depreciation | -0.37 | -0.29 | -0.2 | -0.11 | 0 | |
Stock based compensation to revenue | 0.01 | 0.01 | 0.02 | 0.01 | 0 | |
Graham number | 25.93 | 25.9 | 19.46 | 20.25 | 18.18 | |
ROIC | 0.03 | 0.02 | 0.03 | 0.01 | 0.01 | |
Return on tangible assets | 0 | 0 | 0 | 0 | 0 | |
Graham Net | -361.22 | -358.61 | 340.66 | 337.56 | 74.99 | |
Working capital | 405.71M | 1.91B | 54.78M | 483.81M | 417.94M | |
Tangible asset value | 90.22M | 109.2M | 1.97B | 1.94B | 1.96B | |
Net current asset value | -1.53B | -22.03M | -45.22M | 287.41M | 317.94M | |
Invested capital | 0.48 | 0.88 | 0.71 | 1.44 | 0.84 | |
Average receivables | 6.87M | 7.14M | 768.11M | 1.54B | 774.87M | |
Average payables | 0 | 0 | 0 | 0 | 0 | |
Average inventory | 737.19M | 0 | 0 | 0 | 0 | |
Days sales outstanding | 30.61 | 33.99 | 7.96K | 8.14K | 45.57 | |
Days payables outstanding | 0 | 0 | 0 | 0 | 0 | |
Days of inventory on hand | 0 | 0 | 0 | 0 | 0 | |
Receivables turnover | 2.94 | 2.65 | 0.01 | 0.01 | 1.97 | |
Payables turnover | 0 | 0 | 0 | 0 | 0 | |
Inventory turnover | 0 | 0 | 0 | 0 | 0 | |
ROE | 0.04 | 0.03 | 0.02 | 0.02 | 0.02 | |
Capex per share | -0.14 | -0.09 | -0.05 | -0.06 | 0 |
FNWD Frequently Asked Questions
What is Finward Bancorp stock symbol ?
Finward Bancorp is a US stock , located in Munster of In and trading under the symbol FNWD
What is Finward Bancorp stock quote today ?
Finward Bancorp stock price is $21.25 today.
Is Finward Bancorp stock public?
Yes, Finward Bancorp is a publicly traded company.