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
$145.05M
Enterprise Value$118.20M
Total Cash (Recent Filing)$119.54M
Total Debt (Recent Filing)$90.81M
Price to Earnings (P/E)14.6
Beta0.05
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 Cap0.81
Enterprise Value/Revenue1.16
Enterprise Value/Gross Profit1.72
Enterprise Value/Ebitda7.35
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)$76.75M
Bulls Say, Bears Say
Bulls Say
Strong Free Cash FlowMaterial free cash flow improvement (TTM FCF up 88.2% and FCF closely tracking net income) signals durable cash generation. That boosts capacity to fund loan growth, absorb credit stress, support investment in operations, and strengthen capital without relying on external financing.
Reaccelerating Revenue And MarginsA sharp TTM revenue rebound and higher net margin reflect recovering core banking performance. Sustained top-line and margin improvement provide a stronger earnings base, helping rebuild retained earnings and support longer-term credit extension and expense absorption.
Manageable Leverage And Capital BufferModerate leverage (debt/equity ~0.53) and relatively sizable equity give the bank balance-sheet flexibility. This reduces funding and solvency risk, supports regulatory capital requirements, and provides room to grow loans or absorb losses without immediate need for dilutive capital.
Bears Say
Volatile Historical PerformanceMaterial year-to-year volatility (including a 2025 revenue decline) undermines predictability of earnings and capital generation. For a regional bank, this makes planning for loan growth, provisioning, and dividend policy harder and raises execution risk over the medium term.
Modest Return On EquityA TTM ROE around 5.9% is modest versus prior cycle levels, limiting internal capital build and shareholder returns. Persistently low ROE can constrain strategic options, make competing for deposits and talent harder, and pressure management to pursue higher-risk growth to lift returns.
Regulatory Constraints On PayoutsAn ongoing memorandum of understanding with the FDIC and Indiana DFI that requires pre-approval for bank dividends is a structural constraint. It limits the holding company's ability to return capital or execute buybacks, affecting shareholder returns and capital-allocation flexibility until resolved.
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 $145.05M.
When is Finward Bancorp’s upcoming earnings report date?
Finward Bancorp’s upcoming earnings report date is Jul 29, 2026 which is in 42 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 ―
Hedge Fund Trend
Increased
By 44.6K Shares
Last Quarter.
Last Quarter.
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 serves as the parent entity for Peoples Bank, a financial institution offering a comprehensive suite of banking products and services. Its deposit offerings include various checking accounts, both with and without interest, alongside savings accounts, money market deposit accounts, certificates of deposit, and specialized retirement savings plans. The company's lending activities are diverse, encompassing residential mortgage loans for purchasing, refinancing, or building homes; construction loans provided to individuals and contractors; commercial real estate financing; personal consumer loans for household or family expenditures; home equity lines of credit; home improvement and equity-backed loans; commercial business loans; government-backed loans; and funding for municipalities. Beyond traditional banking, Finward Bancorp delivers a range of wealth management and fiduciary services. These comprise estate and retirement planning, guardianship administration, land trusts, profit-sharing and 401(k) retirement plans, IRA and Keogh accounts, and investment agency accounts. The company also acts as a personal representative for estates and functions as a trustee for both revocable and irrevocable trusts. Additionally, it provides insurance and annuity investment options to its wealth management clients, manages a portfolio of real estate properties, and operates as a real estate investment trust. As of March 2, 2022, the company operated 30 branches situated in Lake and Porter counties in Northwest Indiana, extending into the South Chicagoland area. Originally incorporated in 1994 as NorthWest Indiana Bancorp, the company adopted its current name, Finward Bancorp, in May 2021. Its corporate headquarters are located in Munster, Indiana.
FNWD Stock 12 Month Forecast
Average Price Target
$41.00
▲(7.89% Upside)
Technical Analysis
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Ownership Overview
4.60% Insiders
6.97% Mutual Funds
18.03% Other Institutional Investors
63.44% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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