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STOCKS

Finward Bancorp (FNWD)

NASDAQ:FNWD

FNWD

Finward Bancorp

RESEARCH TOOLSreports

Finward Bancorp (FNWD) Ratios

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14 Followers

Finward Bancorp Ratios

FNWD's free cash flow for Q3 2025 was $0.67. For the 2025 fiscal year, FNWD's free cash flow was decreased by $ and operating cash flow was $0.14. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	1.77	0.23	0.25	0.23	0.39
Quick Ratio	1.77	0.23	0.25	0.23	0.39
Cash Ratio	0.02	0.04	0.05	0.02	0.02
Solvency Ratio	<0.01	0.01	<0.01	0.01	0.01
Operating Cash Flow Ratio	0.01	<0.01	0.01	<0.01	0.01
Short-Term Operating Cash Flow Coverage	0.33	0.24	0.64	1.14	1.17
Net Current Asset Value	$ -53.86M	$ -1.50B	$ -1.50B	$ -1.52B	$ -898.62M
Leverage Ratios
Debt-to-Assets Ratio	0.04	0.05	0.06	0.07	<0.01
Debt-to-Equity Ratio	0.48	0.69	0.80	0.99	0.09
Debt-to-Capital Ratio	0.33	0.41	0.44	0.50	0.09
Long-Term Debt-to-Capital Ratio	0.21	0.30	0.35	0.47	0.00
Financial Leverage Ratio	11.57	13.61	14.31	15.18	10.35
Debt Service Coverage Ratio	0.17	0.24	0.22	1.03	1.17
Interest Coverage Ratio	0.23	0.33	0.26	3.39	7.87
Debt to Market Cap	0.51	0.88	1.09	0.90	0.09
Interest Debt Per Share	28.02	34.15	34.93	33.61	4.79
Net Debt to EBITDA	5.19	1.70	2.14	4.52	-0.95
Profitability Margins
Gross Profit Margin	65.55%	64.03%	65.55%	94.15%	94.61%
EBIT Margin	8.02%	12.03%	8.33%	19.82%	24.59%
EBITDA Margin	12.66%	18.55%	15.75%	26.96%	31.43%
Operating Profit Margin	8.02%	12.03%	8.33%	19.82%	24.59%
Pretax Profit Margin	8.02%	12.03%	8.33%	19.82%	24.59%
Net Profit Margin	8.00%	10.85%	8.68%	18.05%	22.47%
Continuous Operations Profit Margin	8.00%	10.85%	8.68%	18.05%	22.47%
Net Income Per EBT	99.72%	90.15%	104.16%	91.07%	91.37%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.40%	0.59%	0.40%	0.73%	0.92%
Return on Equity (ROE)	5.01%	8.01%	5.69%	11.06%	9.55%
Return on Capital Employed (ROCE)	0.80%	5.17%	3.13%	6.46%	10.46%
Return on Invested Capital (ROIC)	0.91%	4.04%	2.73%	5.55%	8.80%
Return on Tangible Assets	0.40%	0.60%	0.40%	0.74%	0.93%
Earnings Yield	4.97%	10.10%	7.77%	9.97%	9.38%
Efficiency Ratios
Receivables Turnover	0.07	14.48	12.00	11.26	12.23
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	2.25	2.37	2.51	2.08	2.12
Asset Turnover	0.05	0.05	0.05	0.04	0.04
Working Capital Turnover Ratio	-0.22	-0.08	-0.07	-0.07	-0.07
Cash Conversion Cycle	5.27K	25.20	30.42	32.42	29.83
Days of Sales Outstanding	5.27K	25.20	30.42	32.42	29.83
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	5.27K	25.20	30.42	32.42	29.83
Cash Flow Ratios
Operating Cash Flow Per Share	3.03	2.30	5.66	4.24	4.90
Free Cash Flow Per Share	2.84	1.58	5.39	3.52	4.00
CapEx Per Share	0.20	0.72	0.27	0.73	0.90
Free Cash Flow to Operating Cash Flow	0.94	0.69	0.95	0.83	0.82
Dividend Paid and CapEx Coverage Ratio	5.42	1.91	3.73	2.19	2.29
Capital Expenditure Coverage Ratio	15.53	3.19	21.09	5.85	5.45
Operating Cash Flow Coverage Ratio	0.15	0.09	0.20	0.13	1.17
Operating Cash Flow to Sales Ratio	0.13	0.09	0.25	0.21	0.26
Free Cash Flow Yield	7.36%	5.61%	21.37%	9.72%	8.72%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	20.14	9.90	12.88	10.03	10.66
Price-to-Sales (P/S) Ratio	1.63	1.07	1.12	1.81	2.40
Price-to-Book (P/B) Ratio	0.93	0.79	0.73	1.11	1.02
Price-to-Free Cash Flow (P/FCF) Ratio	13.59	17.84	4.68	10.29	11.47
Price-to-Operating Cash Flow Ratio	12.56	12.24	4.46	8.53	9.36
Price-to-Earnings Growth (PEG) Ratio	-12.89	0.22	-0.28	-0.62	-1.04
Price-to-Fair Value	0.93	0.79	0.73	1.11	1.02
Enterprise Value Multiple	18.08	7.48	9.24	11.24	6.67
Enterprise Value	231.34M	155.24M	140.45M	253.09M	139.70M
EV to EBITDA	18.08	7.48	9.24	11.24	6.67
EV to Sales	2.29	1.39	1.45	3.03	2.10
EV to Free Cash Flow	19.07	23.06	6.09	17.22	10.04
EV to Operating Cash Flow	17.84	15.83	5.80	14.27	8.20
Tangible Book Value Per Share	35.36	29.77	28.46	26.14	40.95
Shareholders’ Equity Per Share	40.87	35.45	34.46	32.65	45.04
Tax and Other Ratios
Effective Tax Rate	<0.01	0.10	-0.04	0.09	0.09
Revenue Per Share	23.65	26.18	22.58	20.00	19.15
Net Income Per Share	1.89	2.84	1.96	3.61	4.30
Tax Burden	1.00	0.90	1.04	0.91	0.91
Interest Burden	1.00	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	0.33	0.26	0.31	0.36	0.38
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.58	0.81	2.89	1.18	1.14

Currency in USD