Finward Bancorp

FNWD | NASDAQ

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$42.19

-$0.39 (-0.92%)

At close: Sep 21, 2026, 4:00 PM ET

$42.19

$0 (0.00%)

After-hours: Sep 21, 2026, 7:30 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $184.5M

Enterprise Value $-49.47M

Beta 0.19

Average Volume 19.32K

Shares Outstanding (Diluted) 4.3M

Shares Change YoY 0.25%

Institutional Ownership 48.99%

Exchange NASDAQ

ISIN US31812F1093

Price Performance

Price Change 1M -3.5%

Price Change 3M 23.6%

Price Change 6M 15.1%

Price Change YTD 18.5%

Price Change 1Y 32.3%

Price Change 3Y 89.9%

Price Change 5Y -0.5%

1M CAGR (ann.) -4.0%

1Y CAGR (ann.) 36.7%

5Y CAGR (ann.) 2.6%

All-Time CAGR 5.3%

Valuation

PE Ratio 18.50

Forward PE 14.14

PEG Ratio 0.22

Forward PEG 1.23

PS Ratio 1.80

Forward PS 2.30

PB Ratio 1.03

P/FCF Ratio 11.33

P/Adj. FCF Ratio 11.67

P/OCF Ratio 10.42

EV/Sales -0.49

EV/EBIT -4.71

EV/EBITDA -3.35

EV/FCF -3.07

Earnings Yield 5.4%

FCF Yield 8.8%

Adj. FCF Yield 8.6%

Financial Health

Net Cash $232.28M

Total Debt $95.3M

Cash & Short-Term Investments $327.58M

Total Assets $2.04B

Current Ratio 60.69

Quick Ratio 60.69

Debt / Equity Ratio 0.53

Debt / EBITDA 6.45

Debt / FCF 5.91

OCF / Debt 0.18

Interest Coverage 0.32

Altman Z-Score 1.29

Piotroski F-Score 7

Margins & Profitability

Gross Profit Margin 67.8%

Operating Profit Margin 10.3%

EBITDA Margin 14.5%

Net Profit Margin 9.7%

FCF Margin 15.9%

Adj. FCF Margin 15.4%

SBC / Revenue 0.3%

SBC Impact (per share) -2.9%

Returns

Return on Assets 0.5%

Return on Equity 5.7%

Return on Invested Capital 0.5%

Return on Capital Employed 0.5%

Return on Tangible Assets 0.5%

Historical Growth (CAGR)

Revenue CAGR 3Y 3.7%

Revenue CAGR 5Y 8.2%

Revenue CAGR 10Y 10.3%

EPS CAGR 3Y -9.5%

EPS CAGR 5Y -13.9%

EPS CAGR 10Y -2.5%

FCF CAGR 3Y -5.2%

FCF CAGR 5Y -7.0%

FCF CAGR 10Y 8.0%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 2

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 26, 2026

EPS Estimate (next Q) $0.73

EPS Growth Est (next Q) -9.3%

Revenue Est (next Q) $19.6M

Revenue Growth Est (next Q) 12.9%

Fair Value Estimates

Graham Number $46.25

Graham Upside 9.6%

Lynch Fair Value $11.40

Lynch Upside -73.0%

Price Target $41

Price Target Upside -2.8%

Cash Flow

Operating Cash Flow $17.35M

Free Cash Flow $16.14M

Adj. Free Cash Flow $15.66M

FCF Per Share $3.86

OCF Per Share $4.05

OCF/S Ratio 17.0%

Income Statement

Revenue $101.74M

Gross Profit $69M

Operating Income $10.5M

EBITDA $14.79M

Net Income $9.82M

EPS (Diluted) $2.28

Revenue / Employee $331.4K

Profit / Employee $31.97K

Employees 307

Dividends

Annual Dividend $0.48

Dividend Yield 1.14%

Payout Ratio 21.1%

FCF Payout Ratio 9.7%

Adj. FCF Payout Ratio 9.9%

Dividend Growth (YoY) 0.0%

Pay Frequency Irregular

Ex-Dividend Date Sep 17, 2026