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Finward Bancorp (FNWD)
NASDAQ:FNWD
US Market

Finward Bancorp (FNWD) AI Stock Analysis

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Finward Bancorp

(NASDAQ:FNWD)

72Outperform
Finward Bancorp demonstrates solid financial health with revenue and profit growth, alongside strong technical indicators suggesting potential price appreciation. The stock is fairly valued with a reasonable dividend yield, making it an attractive investment in the banking sector. However, the absence of recent cash flow data introduces some uncertainty.

Finward Bancorp (FNWD) vs. S&P 500 (SPY)

Finward Bancorp Business Overview & Revenue Model

Company DescriptionFinward Bancorp (FNWD) is a financial holding company that operates in the banking sector. It provides a range of financial services primarily through its wholly-owned subsidiary, Peoples Bank. The company offers personal and business banking products, including savings and checking accounts, loans, credit facilities, and wealth management services, catering to individual consumers, small businesses, and commercial clients.
How the Company Makes MoneyFinward Bancorp makes money primarily through the interest income generated from its lending activities. The company extends various types of loans, such as residential mortgages, commercial loans, and consumer loans, and earns interest on these financial products. Additionally, Finward generates revenue through non-interest income, which includes fees from deposit accounts, transaction processing, wealth management services, and other banking-related fees. The company's earnings are further supported by strategic partnerships with financial service providers and its focus on maintaining a diversified loan portfolio to manage risk and enhance profitability.

Finward Bancorp Financial Statement Overview

Summary
Finward Bancorp shows strong financial performance with consistent revenue and profit growth, high profitability margins, and improved ROE. The elimination of debt strengthens its financial position, but the low equity ratio and absence of 2024 cash flow data are concerns.
Income Statement
74
Positive
Finward Bancorp has shown consistent revenue growth, with a notable increase of 9.64% from 2023 to 2024. The gross profit margin remains strong at 100% due to the nature of the banking industry. However, the net profit margin improved significantly to 16.95% in 2024 from 12.83% in 2023, indicating enhanced profitability. The EBIT margin also improved to 31.42% in 2024, reflecting better operational efficiency. The absence of EBITDA in the latest year indicates potential changes in financial reporting or operations.
Balance Sheet
68
Positive
The company's balance sheet shows a strong equity base with an equity ratio of 7.35% in 2024, though slightly decreased from the previous year. The elimination of total debt by 2024 significantly strengthens the balance sheet, reducing financial risk. Return on equity (ROE) improved to 8.01% in 2024, indicating better returns generated from shareholders' equity. However, the relatively low equity ratio suggests a higher reliance on liabilities, which could pose risks if not managed properly.
Cash Flow
65
Positive
Cash flow analysis shows volatility, with free cash flow unavailable in 2024, contrasting with positive free cash flow in previous years. The operating cash flow to net income ratio for 2023 was 2.62, indicating solid cash flow generation relative to profits. However, the absence of cash flow data for 2024 raises concerns about cash management and operational efficiency.
Breakdown
Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
71.09M65.30M78.66M64.52M64.03M
Gross Profit
71.60M63.55M78.66M64.52M64.03M
EBIT
22.49M15.21M15.48M16.38M19.50M
EBITDA
0.0015.21M22.53M20.94M21.91M
Net Income Common Stockholders
12.13M8.38M15.08M14.96M15.93M
Balance SheetCash, Cash Equivalents and Short-Term Investments
70.58M81.91M31.28M560.07M430.59M
Total Assets
2.06B2.11B2.07B1.62B1.50B
Total Debt
0.0080.00M120.00M14.58M6.15M
Net Debt
-70.58M-5.59M88.72M-18.59M-13.77M
Total Liabilities
1.91B1.96B1.93B1.47B6.15M
Stockholders Equity
151.41M147.34M136.39M156.62M152.92M
Cash FlowFree Cash Flow
6.73M20.79M14.73M13.91M17.41M
Operating Cash Flow
9.80M21.93M17.76M17.04M21.15M
Investing Cash Flow
42.79M17.30M-1.16M-125.93M-186.56M
Financing Cash Flow
-68.02M15.49M-18.49M122.14M138.07M

Finward Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price31.05
Price Trends
50DMA
28.50
Positive
100DMA
28.44
Positive
200DMA
28.81
Positive
Market Momentum
MACD
0.62
Negative
RSI
76.30
Negative
STOCH
93.89
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FNWD, the sentiment is Positive. The current price of 31.05 is above the 20-day moving average (MA) of 29.57, above the 50-day MA of 28.50, and above the 200-day MA of 28.81, indicating a bullish trend. The MACD of 0.62 indicates Negative momentum. The RSI at 76.30 is Negative, neither overbought nor oversold. The STOCH value of 93.89 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FNWD.

Finward Bancorp Risk Analysis

Finward Bancorp disclosed 33 risk factors in its most recent earnings report. Finward Bancorp reported the most risks in the “Finance & Corporate” category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Finward Bancorp Peers Comparison

Overall Rating
UnderperformOutperform
Sector (63)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
74
Outperform
$136.17M13.895.68%3.28%12.17%-3.38%
72
Outperform
$134.28M10.938.12%1.55%15.97%45.41%
UNUNB
65
Neutral
$158.08M18.3754.65%4.03%13.57%-17.70%
63
Neutral
$12.32B9.527.97%79.23%12.77%-4.57%
60
Neutral
$144.11M15.756.82%4.11%13.55%3.11%
54
Neutral
$145.05M11.057.80%2.43%5.41%7.23%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
FNWD
Finward Bancorp
31.05
6.91
28.62%
CZWI
Citizens Community Bancorp
14.52
4.37
43.05%
EBMT
Eagle Bancorp Montana
17.07
4.80
39.12%
UNB
Union Bankshares
34.83
8.04
30.01%
RMBI
Richmond Mutual Bancorporation
13.73
3.54
34.74%

Finward Bancorp Corporate Events

Executive/Board ChangesShareholder Meetings
Finward Bancorp Announces Board Changes Post-2025 Meeting
Neutral
Mar 27, 2025

On March 21, 2025, James L. Wieser announced his retirement from the Board of Directors of Finward Bancorp and Peoples Bank, effective after the 2025 Annual Meeting of Shareholders. His departure is not due to any disagreements with the company. Concurrently, the Board decided to reassign Jennifer R. Evans from a Class II to a Class III director to balance the board’s composition, with her service considered uninterrupted. Following Wieser’s retirement, the board size will be reduced from 11 to 10 members, and the vacant Class II directorship will be eliminated.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.