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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
 1.77 1.77 0.23 0.25 0.23
Quick Ratio
 1.77 1.77 0.23 0.25 0.23
Cash Ratio
 0.02 0.02 0.04 0.05 0.02
Solvency Ratio
 <0.01 <0.01 0.01 <0.01 0.01
Operating Cash Flow Ratio
 <0.01 <0.01 <0.01 0.01 <0.01
Short-Term Operating Cash Flow Coverage
 0.25 0.25 0.24 0.64 1.14
Net Current Asset Value
$ -53.86M$ -53.86M$ -1.50B$ -1.50B$ -1.52B
Leverage Ratios
Debt-to-Assets Ratio
 0.04 0.04 0.05 0.06 0.07
Debt-to-Equity Ratio
 0.48 0.48 0.69 0.80 0.99
Debt-to-Capital Ratio
 0.33 0.33 0.41 0.44 0.50
Long-Term Debt-to-Capital Ratio
 0.21 0.21 0.30 0.35 0.47
Financial Leverage Ratio
 11.57 11.57 13.61 14.31 15.18
Debt Service Coverage Ratio
 0.17 0.11 0.24 0.22 1.03
Interest Coverage Ratio
 0.23 0.23 0.33 0.26 3.39
Debt to Market Cap
 0.56 0.56 0.88 1.09 0.90
Interest Debt Per Share
 28.02 28.03 34.15 34.93 33.61
Net Debt to EBITDA
 5.19 8.19 1.70 2.14 4.52
Profitability Margins
Gross Profit Margin
65.55%65.55%64.03%65.55%94.15%
EBIT Margin
8.02%8.02%12.03%8.33%19.82%
EBITDA Margin
12.66%8.02%18.55%15.75%26.96%
Operating Profit Margin
8.02%8.02%12.03%8.33%19.82%
Pretax Profit Margin
8.02%8.02%12.03%8.33%19.82%
Net Profit Margin
8.00%8.00%10.85%8.68%18.05%
Continuous Operations Profit Margin
8.00%8.00%10.85%8.68%18.05%
Net Income Per EBT
99.72%99.72%90.15%104.16%91.07%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.40%0.40%0.59%0.40%0.73%
Return on Equity (ROE)
5.01%4.63%8.01%5.69%11.06%
Return on Capital Employed (ROCE)
0.80%0.80%5.17%3.13%6.46%
Return on Invested Capital (ROIC)
0.91%0.91%4.04%2.73%5.55%
Return on Tangible Assets
0.40%0.40%0.60%0.40%0.74%
Earnings Yield
5.40%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
 2.25 2.25 2.37 2.51 2.08
Asset Turnover
 0.05 0.05 0.05 0.05 0.04
Working Capital Turnover Ratio
 -0.22 -0.33 -0.08 -0.07 -0.07
Cash Conversion Cycle
 5.27K 5.27K 25.20 30.42 32.42
Days of Sales Outstanding
 5.27K 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
 5.27K 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
 0.12 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
5.70%5.09%5.61%21.37%9.72%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 18.52 18.59 9.90 12.88 10.03
Price-to-Sales (P/S) Ratio
 1.50 1.49 1.07 1.12 1.81
Price-to-Book (P/B) Ratio
 0.86 0.86 0.79 0.73 1.11
Price-to-Free Cash Flow (P/FCF) Ratio
 17.55 19.65 17.84 4.68 10.29
Price-to-Operating Cash Flow Ratio
 15.12 15.18 12.24 4.46 8.53
Price-to-Earnings Growth (PEG) Ratio
 -11.85 -0.56 0.22 -0.28 -0.62
Price-to-Fair Value
 0.86 0.86 0.79 0.73 1.11
Enterprise Value Multiple
 17.05 26.73 7.48 9.24 11.24
Enterprise Value
 218.18M 216.75M 155.24M 140.45M 253.09M
EV to EBITDA
 17.05 26.73 7.48 9.24 11.24
EV to Sales
 2.16 2.14 1.39 1.45 3.03
EV to Free Cash Flow
 25.24 28.34 23.06 6.09 17.22
EV to Operating Cash Flow
 22.04 21.89 15.83 5.80 14.27
Tangible Book Value Per Share
 35.36 35.37 29.77 28.46 26.14
Shareholders’ Equity Per Share
 40.87 40.89 35.45 34.46 32.65
Tax and Other Ratios
Effective Tax Rate
 <0.01 <0.01 0.10 -0.04 0.09
Revenue Per Share
 23.65 23.66 26.18 22.58 20.00
Net Income Per Share
 1.89 1.89 2.84 1.96 3.61
Tax Burden
 1.00 1.00 0.90 1.04 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 0.37 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