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Finward Bancorp (FNWD)
NASDAQ:FNWD
US Market
FNWD
Finward Bancorp
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Finward Bancorp (FNWD) Ratios

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Finward Bancorp Ratios

FNWD's free cash flow for Q4 2025 was $0.67. For the 2025 fiscal year, FNWD's free cash flow was decreased by $ and operating cash flow was $0.07. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 1.77 0.23 0.25 0.23
Quick Ratio
 0.00 1.77 0.23 0.25 0.23
Cash Ratio
 0.00 0.02 0.04 0.05 0.02
Solvency Ratio
 <0.01 <0.01 0.01 <0.01 0.01
Operating Cash Flow Ratio
 0.00 <0.01 <0.01 0.01 <0.01
Short-Term Operating Cash Flow Coverage
 0.00 0.25 0.24 0.64 1.14
Net Current Asset Value
$ -56.49M$ -53.86M$ -1.50B$ -1.50B$ -1.52B
Leverage Ratios
Debt-to-Assets Ratio
 0.00 0.04 0.05 0.06 0.07
Debt-to-Equity Ratio
 0.00 0.48 0.69 0.80 0.99
Debt-to-Capital Ratio
 0.00 0.33 0.41 0.44 0.50
Long-Term Debt-to-Capital Ratio
 0.00 0.21 0.30 0.35 0.47
Financial Leverage Ratio
 11.69 11.57 13.61 14.31 15.18
Debt Service Coverage Ratio
 0.31 0.11 0.24 0.22 1.03
Interest Coverage Ratio
 0.22 0.23 0.33 0.26 3.39
Debt to Market Cap
 0.00 0.56 0.88 1.09 0.90
Interest Debt Per Share
 7.87 28.03 34.15 34.93 33.61
Net Debt to EBITDA
 -1.49 8.19 1.70 2.14 4.52
Profitability Margins
Gross Profit Margin
51.56%65.55%64.03%65.55%94.15%
EBIT Margin
7.55%8.02%12.03%8.33%19.82%
EBITDA Margin
10.66%8.02%18.55%15.75%26.96%
Operating Profit Margin
7.55%8.02%12.03%8.33%19.82%
Pretax Profit Margin
10.24%8.02%12.03%8.33%19.82%
Net Profit Margin
9.95%8.00%10.85%8.68%18.05%
Continuous Operations Profit Margin
9.95%8.00%10.85%8.68%18.05%
Net Income Per EBT
97.19%99.72%90.15%104.16%91.07%
EBT Per EBIT
135.56%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.49%0.40%0.59%0.40%0.73%
Return on Equity (ROE)
5.92%4.63%8.01%5.69%11.06%
Return on Capital Employed (ROCE)
0.37%0.80%5.17%3.13%6.46%
Return on Invested Capital (ROIC)
0.39%0.91%4.04%2.73%5.55%
Return on Tangible Assets
0.50%0.40%0.60%0.40%0.74%
Earnings Yield
7.24%5.38%10.10%7.77%9.97%
Efficiency Ratios
Receivables Turnover
 0.07 0.07 14.48 12.00 11.26
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 2.24 2.25 2.37 2.51 2.08
Asset Turnover
 0.05 0.05 0.05 0.05 0.04
Working Capital Turnover Ratio
 0.08 -0.33 -0.08 -0.07 -0.07
Cash Conversion Cycle
 5.38K 5.27K 25.20 30.42 32.42
Days of Sales Outstanding
 5.38K 5.27K 25.20 30.42 32.42
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 5.38K 5.27K 25.20 30.42 32.42
Cash Flow Ratios
Operating Cash Flow Per Share
 2.32 2.32 2.30 5.66 4.24
Free Cash Flow Per Share
 2.02 1.79 1.58 5.39 3.52
CapEx Per Share
 0.29 0.20 0.72 0.27 0.73
Free Cash Flow to Operating Cash Flow
 0.87 0.77 0.69 0.95 0.83
Dividend Paid and CapEx Coverage Ratio
 3.52 4.11 1.91 3.73 2.19
Capital Expenditure Coverage Ratio
 7.88 11.61 3.19 21.09 5.85
Operating Cash Flow Coverage Ratio
 0.00 0.12 0.09 0.20 0.13
Operating Cash Flow to Sales Ratio
 0.10 0.10 0.09 0.25 0.21
Free Cash Flow Yield
6.25%5.09%5.61%21.37%9.72%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 13.81 18.59 9.90 12.88 10.03
Price-to-Sales (P/S) Ratio
 1.39 1.49 1.07 1.12 1.81
Price-to-Book (P/B) Ratio
 0.79 0.86 0.79 0.73 1.11
Price-to-Free Cash Flow (P/FCF) Ratio
 15.99 19.65 17.84 4.68 10.29
Price-to-Operating Cash Flow Ratio
 13.78 15.18 12.24 4.46 8.53
Price-to-Earnings Growth (PEG) Ratio
 0.07 -0.56 0.22 -0.28 -0.62
Price-to-Fair Value
 0.79 0.86 0.79 0.73 1.11
Enterprise Value Multiple
 11.58 26.73 7.48 9.24 11.24
Enterprise Value
 122.47M 216.75M 155.24M 140.45M 253.09M
EV to EBITDA
 11.58 26.73 7.48 9.24 11.24
EV to Sales
 1.23 2.14 1.39 1.45 3.03
EV to Free Cash Flow
 14.17 28.34 23.06 6.09 17.22
EV to Operating Cash Flow
 12.37 21.89 15.83 5.80 14.27
Tangible Book Value Per Share
 34.85 35.37 29.77 28.46 26.14
Shareholders’ Equity Per Share
 40.34 40.89 35.45 34.46 32.65
Tax and Other Ratios
Effective Tax Rate
 0.03 <0.01 0.10 -0.04 0.09
Revenue Per Share
 23.22 23.66 26.18 22.58 20.00
Net Income Per Share
 2.31 1.89 2.84 1.96 3.61
Tax Burden
 0.97 1.00 0.90 1.04 0.91
Interest Burden
 1.36 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.26 0.37 0.27 0.31 0.36
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 1.22 1.22 0.81 2.89 1.18
Currency in USD