Finward Bancorp (FNWD)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 64 | 65 | 79 | 65 | 71 | 66 | 69 | - |
| Operating profit | $m | 8 | 11 | ||||||
| Net profit | $m | 16 | 15 | 15 | 8 | 12 | 8 | 10 | 11 |
| EPS reported | $ | 1.88 | 2.28 | ||||||
| Operating cashflow per share | $ | 2.32 | 4.05 | ||||||
| Capex per share | $ | 0.20 | 0.19 | ||||||
| FCF per share | $ | 2.12 | 3.86 | ||||||
| Free cash flow | $m | 9 | 17 | ||||||
| Net debt | $m | -250 | -232 | ||||||
| Book value equity | $m | 175 | 178 | ||||||
| Book value per share | $ | 40.69 | 41.44 | ||||||
| Number of shares | m | 4.29 | 4.3 | ||||||
| DPS (TTM paid) | $ | 0.48 | 0.48 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 18.72 | 18.62 | ||||||
| P/B LTM | x | 0.86 | 0.84 | ||||||
| P/S LTM | x | 2.28 | 2.18 | ||||||
| P/FCF LTM | x | 16.61 | 9.10 | ||||||
| EV/EBITDA LTM | x | 15.16 | 14.66 | ||||||
| EV/Sales LTM | x | 2.14 | 2.69 | ||||||
| Earnings Yield LTM | % | +5.34% | +5.37% | ||||||
| FCF Yield | % | +6.02% | +10.99% | ||||||
| Quality | |||||||||
| ROE | % | +4.63% | +5.68% | ||||||
| ROIC | % | +0.91% | +0.51% | ||||||
| Operating margin | % | +8.02% | +10.32% | ||||||
| Gross margin | % | +65.55% | +67.82% | ||||||
| FCF/Sales | % | +8.95% | +16.23% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -33.80% | -19.72% | ||||||
| Sales Growth YoY | % | -7.11% | -3.03% | ||||||
| Net Income Growth YoY | % | -33.33% | -19.08% | ||||||
| FCF Growth | % | +34.42% | +145.36% | ||||||
| Operating Profit Growth | % | -39.73% | -21.96% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.04% | +1.06% | ||||||
| Dividend Growth | % | 0.00% | 0.00% | ||||||
| Payout Ratio | % | +19.30% | +15.88% | ||||||
| FCF/Debt | x | 0.11 | 0.17 | ||||||
| Net Debt/EBITDA | x | 4.65 | 5.27 | ||||||
| EBIT/Net interest | x | 0.23 | 0.32 | ||||||
| Net debt/market cap | % | +56.35% | +48.57% | ||||||
| Net debt/Equity | x | -1.43 | -1.30 | ||||||
| Gross debt/equity | x | 0.48 | 0.53 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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