Finward Bancorp (FNWD)
NASDAQ:FNWD
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FNWD Stock Chart & Stats
$38.00
-$1.31(-4.45%)
At close: 4:00 PM EST
$38.00
-$1.31(-4.45%)
Day’s Range― - ―
52-Week Range$26.46 - $39.99
Previous CloseN/A
Volume222.00
Average Volume (3M)34.79K
Market Cap
$139.30M
Enterprise Value$111.66M
Total Cash (Recent Filing)$119.54M
Total Debt (Recent Filing)$90.81M
Price to Earnings (P/E)17.3
Beta0.03
Next Earnings
Jul 29, 2026EPS Estimate
0.61Next Dividend Ex-DateN/A
Dividend Yield0.97%
Share Statistics
EPS (TTM)2.30
Shares Outstanding4,329,971
10 Day Avg. Volume17,730
30 Day Avg. Volume34,794
Financial Highlights & Ratios
PEG Ratio-0.56
Price to Book (P/B)0.86
Price to Sales (P/S)1.49
P/FCF Ratio16.61
Enterprise Value/Market Cap0.80
Enterprise Value/Revenue1.10
Enterprise Value/Gross Profit1.63
Enterprise Value/Ebitda8.43
Forecast
1Y Price Target
$41.00Price Target Upside7.89% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)2.7
Revenue Forecast (FY)$76.55M
Bulls Say, Bears Say
Bulls Say
Cash GenerationMaterial free cash flow generation that closely tracks net income (FCF/NI ~0.94) indicates high earnings quality and internal funding capacity. Durable FCF allows the bank to fund loan growth, absorb credit shocks, and support capital returns or strategic investments without heavy external borrowing.
Revenue & Margin RecoveryA strong rebound in revenue coupled with improving net margins signals recovering core banking performance and better pricing or mix. Sustained top-line and margin improvement strengthens long-term profitability prospects and offers a platform to scale expense leverage and improve return metrics.
Balance Sheet FlexibilityModerate leverage and an improved debt-to-equity ratio provide the bank flexibility to expand lending, withstand credit losses, and meet regulatory capital requirements. A stronger capital mix supports strategic options — including measured dividend payments or targeted balance-sheet growth — over the medium term.
Bears Say
Modest ROEA persistently low ROE indicates the bank is generating limited returns on shareholder capital versus historical levels. Over months, subpar ROE constrains the ability to fund growth and dividends from internal returns and may require either higher risk-taking or capital actions to achieve acceptable shareholder returns.
Earnings & Cash-Flow VolatilityMulti-year swings in revenue and operating cash flow highlight sensitivity to credit cycles, interest rates, and deposit dynamics. Such volatility reduces predictability of earnings and capital generation, complicating planning, provisioning, and sustained capital returns over the medium term.
Regulatory Constraints On DividendsA memorandum of understanding that restricts dividend approvals materially limits management's flexibility to return capital. Over 2-6 months this constraint can force retention of earnings, restrict buybacks, and influence strategic allocation of capital even if profits and cash flow improve.
Finward Bancorp News
FNWD FAQ
What was Finward Bancorp’s price range in the past 12 months?
Finward Bancorp lowest stock price was $26.46 and its highest was $39.99 in the past 12 months.
What is Finward Bancorp’s market cap?
Finward Bancorp’s market cap is $139.30M.
When is Finward Bancorp’s upcoming earnings report date?
Finward Bancorp’s upcoming earnings report date is Jul 29, 2026 which is in 67 days.
How were Finward Bancorp’s earnings last quarter?
Finward Bancorp released its earnings results on Apr 28, 2026. The company reported $0.52 earnings per share for the quarter, missing the consensus estimate of $0.535 by -$0.015.
Is Finward Bancorp overvalued?
According to Wall Street analysts Finward Bancorp’s price is currently Undervalued.
Does Finward Bancorp pay dividends?
Finward Bancorp pays a Quarterly dividend of $0.12 which represents an annual dividend yield of 0.97%. See more information on Finward Bancorp dividends here
What is Finward Bancorp’s EPS estimate?
Finward Bancorp’s EPS estimate is 0.61.
How many shares outstanding does Finward Bancorp have?
Finward Bancorp has 4,329,971 shares outstanding.
What happened to Finward Bancorp’s price movement after its last earnings report?
Finward Bancorp reported an EPS of $0.52 in its last earnings report, missing expectations of $0.535. Following the earnings report the stock price went down -3.361%.
Which hedge fund is a major shareholder of Finward Bancorp?
Currently, no hedge funds are holding shares in FNWD
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Finward Bancorp Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$41.00 (7.89% Upside)
$41.00 (7.89% Upside)
Blogger Sentiment
Bullish
FNWD Sentiment 70%
Sector Average ―
Sector Average ―
Technicals
SMA
Positive
20 days / 200 days
Momentum
26.10%
12-Months-Change
Fundamentals
Return on Equity
5.92%
Trailing 12-Months
Asset Growth
-1.20%
Trailing 12-Months
Company Description
Finward Bancorp
Finward Bancorp (FNWD) is a financial holding company that operates primarily through its wholly-owned subsidiary, First Federal Savings Bank. The company provides a range of banking and financial services, including personal and business banking, mortgage lending, and investment services. With a commitment to serving the communities in which it operates, Finward Bancorp focuses on customer-centric solutions and offers products such as savings and checking accounts, loans, and wealth management services.
FNWD Stock 12 Month Forecast
Average Price Target
$41.00
▲(7.89% Upside)
Technical Analysis
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First Guaranty Bancshares
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Rhinebeck Bancorp
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ECB Bancorp, Inc.
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Ownership Overview
4.54% Insiders
6.55% Mutual Funds
18.03% Other Institutional Investors
63.97% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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