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NASDAQ: FNWD
Finward Bancorp Stock

$22.13+1.33 (+6.39%)
Updated Sep 29, 2023
FNWD Price
$22.13
Fair Value Price
$30.07
Market Cap
$95.24M
52 Week Low
$19.49
52 Week High
$37.80
P/E
7.16x
P/B
0.7x
P/S
1.3x
PEG
N/A
Dividend Yield
N/A
Revenue
$73.10M
Earnings
$13.19M
Gross Margin
100%
Operating Margin
19.46%
Profit Margin
18%
Debt to Equity
14.8
Operating Cash Flow
$29M
Beta
0.08
Next Earnings
Oct 23, 2023
Ex-Dividend
N/A
Next Dividend
N/A

FNWD Overview

Finward Bancorp operates as the holding company for Peoples Bank that provides various banking products and services. The company's deposit products include non-interest and interest bearing demand accounts, savings accounts, money market deposit accounts, certificate accounts, and retirement savings plans. Its loan products portfolio comprises residential mortgage loans that enable borrowers to purchase existing homes, refinance existing homes, or construct new homes; construction loans primarily to individuals and contractors; commercial real estate loans; consumer loans to individuals for personal, household, or family purposes; home equity line of credit; home improvement loans and equity loans; commercial business loans; government loans; and loans to municipalities. The company also offers estate and retirement planning services, guardianships, land trusts, profit sharing and 401(k) retirement plans, IRA and Keogh accounts, and investment agency accounts, as well as serves as the personal representative of estates, and acts as trustee for revocable and irrevocable trusts. In addition, it provides insurance and annuity investments to wealth management customers; holds real estate properties; and operates as a real estate investment trust. As of March 2, 2022, the company operated through 30 locations in Lake and Porter counties in Northwest Indiana and South Chicagoland. The company was formerly known as NorthWest Indiana Bancorp and changed its name to Finward Bancorp in May 2021. Finward Bancorp was incorporated in 1994 and is headquartered in Munster, Indiana.

Zen Score

Industry Average (34)
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Due Diligence Checks

FNWD ($22.13) is undervalued by 26.4% relative to our estimate of its Fair Value price of $30.07 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
FNWD ($22.13) is significantly undervalued by 26.4% relative to our estimate of its Fair Value price of $30.07 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
FNWD was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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FNWD News

Valuation

FNWD fair value

Fair Value of FNWD stock based on Discounted Cash Flow (DCF)
Price
$22.13
Fair Value
$30.07
Undervalued by
26.40%
FNWD ($22.13) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
FNWD ($22.13) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
FNWD was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

FNWD price to earnings (PE)

For valuing profitable companies with steady earnings
Company
7.16x
Industry
0.64x
Market
12.37x
FNWD is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
FNWD is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

FNWD price to book (PB)

For valuing companies that are loss-making or have lots of physical asset
Company
0.7x
Industry
0.88x
FNWD is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

FNWD's financial health

Profit margin

Revenue
$16.5M
Net Income
$2.4M
Profit Margin
14.7%
FNWD's Earnings (EBIT) of $14.23M... subscribe to Premium to read more.
Interest Coverage Financials
FNWD's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$2.2B
Liabilities
$2.0B
Debt to equity
14.8
FNWD's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
FNWD's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$13.2M
Investing
-$7.9M
Financing
$55.6M
FNWD's operating cash flow ($29.02M)... subscribe to Premium to read more.
Debt Coverage Financials

FNWD vs Bank Stocks

TickerMarket Cap1d %P/EP/B
FNWD$95.24M+6.39%7.16x0.70x
EBMT$95.06M+0.34%7.68x0.58x
SFBC$95.04M-0.26%9.06x0.95x
LARK$95.02M+0.66%9.15x0.81x
AFBI$94.98M-1.47%14.09x0.81x

Finward Bancorp Stock FAQ

What is Finward Bancorp's quote symbol?

(NASDAQ: FNWD) Finward Bancorp trades on the NASDAQ under the ticker symbol FNWD. Finward Bancorp stock quotes can also be displayed as NASDAQ: FNWD.

If you're new to stock investing, here's how to buy Finward Bancorp stock.

What is the 52 week high and low for Finward Bancorp (NASDAQ: FNWD)?

(NASDAQ: FNWD) Finward Bancorp's 52-week high was $37.80, and its 52-week low was $19.49. It is currently -41.46% from its 52-week high and 13.55% from its 52-week low.

How much is Finward Bancorp stock worth today?

(NASDAQ: FNWD) Finward Bancorp currently has 4,303,766 outstanding shares. With Finward Bancorp stock trading at $22.13 per share, the total value of Finward Bancorp stock (market capitalization) is $95.24M.

Finward Bancorp stock was originally listed at a price of $21.13 in May 20, 1998. If you had invested in Finward Bancorp stock at $21.13, your return over the last 25 years would have been 4.76%, for an annualized return of 0.19% (not including any dividends or dividend reinvestments).

How much is Finward Bancorp's stock price per share?

(NASDAQ: FNWD) Finward Bancorp stock price per share is $22.13 today (as of Sep 29, 2023).

What is Finward Bancorp's Market Cap?

(NASDAQ: FNWD) Finward Bancorp's market cap is $95.24M, as of Sep 30, 2023.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Finward Bancorp's market cap is calculated by multiplying FNWD's current stock price of $22.13 by FNWD's total outstanding shares of 4,303,766.
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