Want to see FNWD full AI Analyst Report?
FNWD Stock Chart & Stats
$44.61
<$0.01(0.02%)
At close: 4:00 PM EDT
$44.61
<$0.01(0.02%)
Day’s Range― - ―
52-Week Range$27.12 - $45.00
Previous CloseN/A
Volume10.41K
Average Volume (3M)34.79K
Market Cap
$192.65M
Enterprise Value$236.77
Total Cash (Recent Filing)$119.54M
Total Debt (Recent Filing)$90.81M
Price to Earnings (P/E)19.4
Beta0.06
Next Earnings
Oct 28, 2026EPS Estimate
0.74Next Dividend Ex-DateN/A
Dividend Yield1.08%
Share Statistics
EPS (TTM)2.30
Shares Outstanding4,333,002
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.64
Revenue Forecast (FY)$76.75M
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationFinward’s TTM operating and free cash flow have strengthened materially, with FCF near $16.3M and very strong year-over-year FCF growth. Free cash flow tracking net income (~0.94) signals earnings quality and provides durable capacity for capital needs, investment or distributions over coming months.
Regulatory Standing ImprovedTermination of the prior MOU with the FDIC and state regulator removes a formal supervisory constraint, improving operational flexibility. This lasting regulatory clearance reduces oversight-related limits on strategy and capital actions and strengthens the bank’s ability to pursue normal course growth and integration plans.
Strategic M&A Offers ScaleThe agreed acquisition by First Financial materially increases scale and market access for Peoples Bank operations, adding 24 branches and lifting Chicago-area deposits. Integration into a larger regional franchise should provide lasting benefits: lower deposit costs, broader product distribution and greater resilience versus remaining independent.
Bears Say
Modest Returns (ROE)A TTM return on equity near 5.9% indicates constrained capital efficiency versus prior periods. Persistently modest ROE limits internal capital accumulation and shareholder returns, increasing pressure to improve margins, grow higher-return assets, or pursue strategic transactions to restore attractive long-term profitability.
Volatile Revenue And ProfitabilityLarge swings in revenue and margins over recent years highlight earnings unpredictability tied to loan activity and interest-rate dynamics. This volatility undermines planning, makes sustainable margin improvement uncertain, and raises execution risk in delivering consistent long-term cash flow and return targets.
Capital Return UncertaintyAlthough a cash dividend was paid, management explicitly tied future payouts and buybacks to capital, performance and regulatory approvals. Given recent regulatory history and cautious disclosure, durable certainty around shareholder distributions remains limited, affecting investors reliant on steady income and signaling constrained capital flexibility.
Finward Bancorp News
FNWD FAQ
What was Finward Bancorp’s price range in the past 12 months?
Finward Bancorp lowest stock price was $27.12 and its highest was $45.00 in the past 12 months.
What is Finward Bancorp’s market cap?
Finward Bancorp’s market cap is $192.65M.
When is Finward Bancorp’s upcoming earnings report date?
Finward Bancorp’s upcoming earnings report date is Oct 28, 2026 which is in 86 days.
How were Finward Bancorp’s earnings last quarter?
Finward Bancorp released its earnings results on Jul 28, 2026. The company reported $0.48 earnings per share for the quarter, missing the consensus estimate of $0.625 by -$0.145.
Is Finward Bancorp overvalued?
According to Wall Street analysts Finward Bancorp’s price is currently Overvalued.
Does Finward Bancorp pay dividends?
Finward Bancorp pays a Quarterly dividend of $0.12 which represents an annual dividend yield of 1.08%. See more information on Finward Bancorp dividends here
What is Finward Bancorp’s EPS estimate?
Finward Bancorp’s EPS estimate is 0.74.
How many shares outstanding does Finward Bancorp have?
Finward Bancorp has 4,333,002 shares outstanding.
What happened to Finward Bancorp’s price movement after its last earnings report?
Finward Bancorp reported an EPS of $0.48 in its last earnings report, missing expectations of $0.625. Following the earnings report the stock price went down -0.315%.
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
1
2
3
4
5
6
7
8
9
10
Hedge Fund Trend
Increased
By 44.6K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bearish
Bullish news 0%
Bearish news 100%
Bearish news 100%
Technicals
SMA
Positive
20 days / 200 days
Momentum
26.10%
12-Months-Change
Fundamentals
Return on Equity
1.08%
Trailing 12-Months
Asset Growth
-0.84%
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.
Technical Analysis
BCB Bancorp
―
Eagle Bancorp Montana
―
First Guaranty Bancshares
―
Rhinebeck Bancorp
―
ECB Bancorp, Inc.
―
Ownership Overview
4.50% Insiders
7.14% Mutual Funds
12.42% Other Institutional Investors
71.63% Public Companies and
Individual Investors