NASDAQ: FNWDFinward Bancorp Stock
$24.56-0.09 (-0.37%)
Updated Apr 23, 2024
FNWD Price
$24.56
Fair Value Price
$49.68
Market Cap
$105.59M
52 Week Low
$17.29
52 Week High
$30.23
P/E
12.53x
P/B
0.72x
P/S
1.72x
PEG
N/A
Dividend Yield
N/A
Revenue
$63.28M
Earnings
$8.38M
Gross Margin
100%
Operating Margin
12.71%
Profit Margin
13.2%
Debt to Equity
13.31
Operating Cash Flow
$24M
Beta
0.08
Next Earnings
Apr 24, 2024
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 (33)
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Due Diligence Checks
FNWD ($24.56) is undervalued by 50.56% relative to our estimate of its Fair Value price of $49.68 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
FNWD ($24.56) is significantly undervalued by 50.56% relative to our estimate of its Fair Value price of $49.68 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
$24.56
Fair Value
$49.68
Undervalued by
50.56%
FNWD ($24.56) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
FNWD ($24.56) 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
12.53x
Industry
-10.89x
Market
41.92x
FNWD is good 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
0.72x
Industry
0.99x
FNWD is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
FNWD's financial health
Profit margin
Revenue
$14.7M
Net Income
$1.5M
Profit Margin
10.3%
FNWD's Earnings (EBIT) of $8.05M... 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
$2.1B
Liabilities
$2.0B
Debt to equity
13.31
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
$1.8M
Investing
$14.7M
Financing
-$2.1M
FNWD's operating cash flow ($24.21M)... subscribe to Premium to read more.
Debt Coverage Financials
FNWD vs Bank Stocks
Finward Bancorp Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.