FNWD

Finward Bancorp [FNWD] Stock Forecast

Q: What is Finward Bancorp stock symbol ?

Finward Bancorp is a US stock, located in Munster of In and trading under the symbol FNWD

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FNWD Stock Summary

Earnings have grown 21.91% per last year.

FNWD's dividend payments are well covered by cash flows with cash payout ratio of 49.25%.

Earnings are expected to fall -9.86% next year

Profit margins (0.16%) are lower than the previous year (0.19%)

FNWD has less than 1 year of cash runway

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In the News

05:16 30 Nov 2023 FNWD

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.

10:25 30 Nov 2023 FNWD

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.

08:15 30 Nov 2023 FNWD

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).

04:30 30 Nov 2023 FNWD

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

Company Rating

Strong Buy

Market Cap

89.75M

Income

10.83M

Revenue

69.5M

Book val./share

28.25

Cash/share

97.33

Dividend

1.24

Dividend %

6.08%

Employees

281

Optionable

Shortable

Yes

Earnings

23 Jan 2024

P/E

7.94

Forward P/E

10.12

PEG

-1.94

P/S

1.26

P/B

0.72

P/C

0.22

P/FCF

3.18

Quick Ratio

Current Ratio

Debt / Equity

0.84

LT Debt / Equity

0.84

EPS (TTM)

2.54

EPS next Y

2.1

EPS next Q

0.52

EPS this Y

0.93%

EPS next Y

-17.32%

EPS next 5Y

-13.39%

EPS last 5Y

7.1%

Revenue last 5Y

12.6%

Revenue Q/Q

-8.89%

EPS Q/Q

-8.77%

SMA20

10.53%

SMA50

SMA100

-8.7%

Inst Own

19.22%

Inst Trans

0.77%

ROA

ROE

ROC

0.01%

Gross Margin

100%

Oper. Margin

25%

Profit Margin

16%

Payout

49%

Shs Outstand

4.3M

Shs Float

3.26M

Target Price

52W Range

17.29-37.8

52W High

-42.57%

52W Low

+25%

RSI

Rel Volume

12.97

Avg Volume

5.11K

Volume

66.31K

Perf Week

1.01%

Perf Month

-2.88%

Perf Quarter

-0.38%

Perf Half Y

-5.51%

Beta

0.447

Volatility

0.29%, 0.95%

Prev Close

4.17%

Price

21.25

Change

2.16%

FNWD Financial Performance

Yearly Fundamentals Overview

Last date of statement is 2022-12-31

Metric	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	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 Dividend History

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.

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Company Profile

Volume Average 5.11K
Market Capitalization 89.75M
Employee 281
CEO Mr. Benjamin J. Bochnowski
Headquarters Munster,IN,US
IPO Date 1998-05-20
Website https://www.ibankpeoples.com

Finward Bancorp operates as the holding company for Peoples Bank that provides various banking products and services. The company's deposit products include non-interest and interest bearing demand accounts, savings accounts, money market deposit accounts, certificate accounts, and retirement savings plans. Its loan products portfolio comprises residential mortgage loans that enable borrowers to purchase existing homes, refinance existing homes, or construct new homes; construction loans primarily to individuals and contractors; commercial real estate loans; consumer loans to individuals for personal, household, or family purposes; home equity line of credit; home improvement loans and equity loans; commercial business loans; government loans; and loans to municipalities. The company also offers estate and retirement planning services, guardianships, land trusts, profit sharing and 401(k) retirement plans, IRA and Keogh accounts, and investment agency accounts, as well as serves as the personal representative of estates, and acts as trustee for revocable and irrevocable trusts. In addition, it provides insurance and annuity investments to wealth management customers; holds real estate properties; and operates as a real estate investment trust. As of March 2, 2022, the company operated through 30 locations in Lake and Porter counties in Northwest Indiana and South Chicagoland. The company was formerly known as NorthWest Indiana Bancorp and changed its name to Finward Bancorp in May 2021. Finward Bancorp was incorporated in 1994 and is headquartered in Munster, Indiana.