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Finward Bancorp FNWD

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Price alert · FNWD

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43.31 USD -0.59 -1.34%

At close · Oct 30

43.31 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
43.22 × 1
Ask
43.71 × 1
43.31 Day range 43.51
30.34 52-week range 45.28
YTD
+23.07%
1 year
+24.03%
Open
43.40
Prev close
43.90
Mkt cap
187.57M
Vol
3.88K
Avg vol
12.78K
EPS
1.78
P/E
24.33
Div yield
1.60%
More statistics
Low
43.31
High
43.51
Forward P/E
26.70
Beta
0.56
Short ratio
1.09
Inst. own
31.48%
Dividend
0.48
Ex-div date
Oct 17, 2024
Earnings
Feb 4, 2025
50-d avg
31.09
200-d avg
27.45
1y target
35.50

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Financial health

Altman Z-Score

-0.59 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C+2 / 5 overall

  • DCF 2
  • Return on Equity 2
  • Return on Assets 1
  • Debt / Equity 3
  • P/E 1
  • P/B 3

Valuation

P/E 18.6×
FY 2016: 12.1×FY 2017: 14.2×FY 2018: 14.0×FY 2019: 13.0×FY 2020: 7.5×FY 2021: 10.7×FY 2022: 10.0×FY 2023: 12.9×FY 2024: 9.9×FY 2025: 18.6×
FY 2016 5y median 10.7× FY 2025
P/S 1.5×
FY 2016: 2.8×FY 2017: 3.1×FY 2018: 2.7×FY 2019: 2.5×FY 2020: 1.8×FY 2021: 2.4×FY 2022: 1.8×FY 2023: 1.1×FY 2024: 1.1×FY 2025: 1.5×
FY 2016 5y median 1.5× FY 2025
P/B 0.9×
FY 2016: 1.3×FY 2017: 1.4×FY 2018: 1.3×FY 2019: 1.2×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 1.1×FY 2023: 0.7×FY 2024: 0.8×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025
P/FCF 16.6×
FY 2016: 12.8×FY 2017: 12.0×FY 2018: 13.7×FY 2019: 19.9×FY 2020: 7.8×FY 2021: 11.5×FY 2022: 10.3×FY 2023: 4.7×FY 2024: 17.8×FY 2025: 16.6×
FY 2016 5y median 11.5× FY 2025
EV/EBITDA 15.2×
FY 2016: 7.4×FY 2017: 10.2×FY 2018: 12.4×FY 2019: 9.4×FY 2020: 5.6×FY 2021: 6.7×FY 2022: 11.2×FY 2023: 9.2×FY 2024: 7.5×FY 2025: 15.2×
FY 2016 5y median 9.2× FY 2025
EV/Sales 2.1×
FY 2016: 2.6×FY 2017: 3.6×FY 2018: 3.4×FY 2019: 2.4×FY 2020: 1.8×FY 2021: 2.1×FY 2022: 3.0×FY 2023: 1.5×FY 2024: 1.4×FY 2025: 2.1×
FY 2016 5y median 2.1× FY 2025
FCF Yield 6.0%
FY 2016: 7.8%FY 2017: 8.3%FY 2018: 7.3%FY 2019: 5.0%FY 2020: 12.8%FY 2021: 8.7%FY 2022: 9.7%FY 2023: 21.4%FY 2024: 5.6%FY 2025: 6.0%
FY 2016 5y median 8.7% FY 2025

Profitability

Gross Margin 65.6%
FY 2016: 91.0%FY 2017: 90.8%FY 2018: 86.8%FY 2019: 81.4%FY 2020: 86.5%FY 2021: 94.6%FY 2022: 94.2%FY 2023: 65.6%FY 2024: 64.0%FY 2025: 65.6%
FY 2016 5y median 65.6% FY 2025
Operating Margin 8.0%
FY 2016: 29.2%FY 2017: 28.8%FY 2018: 22.2%FY 2019: 22.0%FY 2020: 26.8%FY 2021: 24.6%FY 2022: 19.8%FY 2023: 8.3%FY 2024: 12.0%FY 2025: 8.0%
FY 2016 5y median 12.0% FY 2025
Net Margin 8.0%
FY 2016: 22.8%FY 2017: 21.8%FY 2018: 19.2%FY 2019: 19.2%FY 2020: 22.8%FY 2021: 22.5%FY 2022: 18.1%FY 2023: 8.7%FY 2024: 10.8%FY 2025: 8.0%
FY 2016 5y median 10.8% FY 2025
ROE 4.6%
FY 2016: 10.9%FY 2017: 9.7%FY 2018: 9.2%FY 2019: 9.0%FY 2020: 10.5%FY 2021: 9.6%FY 2022: 11.1%FY 2023: 5.7%FY 2024: 8.0%FY 2025: 4.6%
FY 2016 5y median 8.0% FY 2025
ROIC 0.9%
FY 2016: 7.4%FY 2017: 7.2%FY 2018: 6.0%FY 2019: 7.6%FY 2020: 9.3%FY 2021: 8.8%FY 2022: 5.5%FY 2023: 2.7%FY 2024: 4.0%FY 2025: 0.9%
FY 2016 5y median 4.0% FY 2025
ROA 0.4%
FY 2016: 1.0%FY 2017: 1.0%FY 2018: 0.9%FY 2019: 0.9%FY 2020: 1.1%FY 2021: 0.9%FY 2022: 0.7%FY 2023: 0.4%FY 2024: 0.6%FY 2025: 0.4%
FY 2016 5y median 0.6% FY 2025

Growth (YoY)

Revenue -9.6%
FY 2016: 10.4%FY 2017: 2.7%FY 2018: 18.1%FY 2019: 29.6%FY 2020: 10.9%FY 2021: -4.5%FY 2022: 25.4%FY 2023: 15.5%FY 2024: 15.8%FY 2025: -9.6%
FY 2016 FY 2025
Operating Income -39.7%
FY 2016: 21.1%FY 2017: 1.2%FY 2018: -9.0%FY 2019: 28.7%FY 2020: 35.0%FY 2021: -12.5%FY 2022: 1.1%FY 2023: -51.4%FY 2024: 67.2%FY 2025: -39.7%
FY 2016 FY 2025
EPS (diluted) -33.8%
FY 2016: 16.4%FY 2017: -2.2%FY 2018: -1.6%FY 2019: 14.6%FY 2020: 35.7%FY 2021: -10.2%FY 2022: -16.3%FY 2023: -45.6%FY 2024: 44.9%FY 2025: -33.8%
FY 2016 FY 2025
Free Cash Flow 34.4%
FY 2016: 6.5%FY 2017: 22.6%FY 2018: -10.5%FY 2019: -16.9%FY 2020: 102.1%FY 2021: -13.0%FY 2022: 5.6%FY 2023: 56.9%FY 2024: -70.8%FY 2025: 34.4%
FY 2016 FY 2025

Financial Health

Current Ratio 1.8×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 1.8×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 1.8×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 1.8×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.5×
FY 2016: 0.5×FY 2017: 0.3×FY 2018: 0.5×FY 2019: 0.2×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 1.0×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 0.5×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA 4.6×
FY 2016: -0.4×FY 2017: 1.4×FY 2018: 2.7×FY 2019: -0.5×FY 2020: -0.1×FY 2021: -0.9×FY 2022: 4.5×FY 2023: 2.1×FY 2024: 1.7×FY 2025: 4.6×
FY 2016 5y median 2.1× FY 2025
Interest Coverage 0.2×
FY 2016: 5.0×FY 2017: 4.6×FY 2018: 2.1×FY 2019: 1.5×FY 2020: 3.3×FY 2021: 7.9×FY 2022: 3.4×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025

Dividends

Dividend Yield 1.0%
FY 2016: 2.8%FY 2017: 2.6%FY 2018: 2.6%FY 2019: 2.6%FY 2020: 3.4%FY 2021: 2.7%FY 2022: 3.4%FY 2023: 4.9%FY 2024: 1.7%FY 2025: 1.0%
FY 2016 5y median 2.7% FY 2025
Payout Ratio 19.3%
FY 2016: 34.4%FY 2017: 36.4%FY 2018: 36.8%FY 2019: 33.8%FY 2020: 26.9%FY 2021: 28.8%FY 2022: 33.7%FY 2023: 63.7%FY 2024: 17.1%FY 2025: 19.3%
FY 2016 5y median 28.8% FY 2025

Annual · latest fiscal year ends 2025-12-31