FNWD Finward Bancorp
Price (delayed)
$26.51
Market cap
$114.36M
P/E Ratio
9.78
Dividend/share
$0.48
EPS
$2.71
Enterprise value
$170.75M
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,
Highlights
FNWD's equity is up by 34% year-on-year and by 7% since the previous quarter
The debt has declined by 14% year-on-year
Finward Bancorp's EPS has decreased by 12% QoQ but it has increased by 7% YoY
The net income has contracted by 12% from the previous quarter but it has grown by 7% YoY
The price to earnings (P/E) is 4.4% higher than the 5-year quarterly average of 9.3
Key stats
What are the main financial stats of FNWD
Market
Valuations
Earnings
Shares outstanding
4.31M
Market cap
$114.36M
Enterprise value
$170.75M
Price to earnings (P/E)
9.78
Price to book (P/B)
0.72
Price to sales (P/S)
1.65
EV/EBIT
14.3
EV/EBITDA
8.73
EV/Sales
2.46
Revenue
$69.35M
Gross profit
$69.35M
Operating income
$11.94M
Net income
$11.54M
EBIT
$11.94M
EBITDA
$19.56M
Free cash flow
$16.1M
Per share
Balance sheet
Liquidity
EPS
$2.71
EPS diluted
$2.7
Free cash flow per share
$3.73
Book value per share
$36.99
Revenue per share
$16.08
TBVPS
$475.22
Total assets
$2.07B
Total liabilities
$1.92B
Debt
$128.04M
Equity
$159.56M
Working capital
N/A
Debt to equity
0.8
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.88
Margins
Efficiency
Dividend
EBITDA margin
28.2%
Gross margin
100%
Net margin
16.6%
Operating margin
17.2%
Return on assets
0.6%
Return on equity
7.6%
Return on invested capital
0.6%
Return on capital employed
N/A
Return on sales
17.2%
Dividend yield
1.81%
DPS
$0.48
Payout ratio
17.7%
FNWD stock price
How has the Finward Bancorp stock price performed over time
Intraday
0.76%
1 week
-0.08%
1 month
-1.01%
1 year
16.17%
YTD
-5.69%
QTD
-5.69%
Financial performance
How have Finward Bancorp's revenue and profit performed over time
Revenue
$69.35M
Gross profit
$69.35M
Operating income
$11.94M
Net income
$11.54M
Gross margin
100%
Net margin
16.6%
The net margin has declined by 12% since the previous quarter but it has grown by 4.4% year-on-year
The net income has contracted by 12% from the previous quarter but it has grown by 7% YoY
Finward Bancorp's operating margin has decreased by 10% QoQ but it has increased by 8% YoY
The operating income has declined by 10% since the previous quarter but it rose by 10% year-on-year
Growth
What is Finward Bancorp's growth rate over time
Valuation
What is Finward Bancorp stock price valuation
P/E
9.78
P/B
0.72
P/S
1.65
EV/EBIT
14.3
EV/EBITDA
8.73
EV/Sales
2.46
Finward Bancorp's EPS has decreased by 12% QoQ but it has increased by 7% YoY
The price to earnings (P/E) is 4.4% higher than the 5-year quarterly average of 9.3
FNWD's equity is up by 34% year-on-year and by 7% since the previous quarter
FNWD's price to book (P/B) is 21% lower than its 5-year quarterly average of 0.9 and 11% lower than its last 4 quarters average of 0.8
The price to sales (P/S) is 18% less than the 5-year quarterly average of 2.0 and 3.5% less than the last 4 quarters average of 1.7
Efficiency
How efficient is Finward Bancorp business performance
The company's return on invested capital rose by 20% YoY
Finward Bancorp's return on assets has increased by 20% YoY
The ROE has contracted by 18% from the previous quarter and by 6% YoY
Finward Bancorp's return on sales has decreased by 10% QoQ but it has increased by 8% YoY
Dividends
What is FNWD's dividend history
DPS
$0.48
Dividend yield
1.81%
Payout ratio
17.7%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Finward Bancorp financials performed over time
Finward Bancorp's total assets is 8% more than its total liabilities
Finward Bancorp's total liabilities has decreased by 2.7% YoY
The debt is 20% smaller than the equity
The company's debt to equity fell by 36% YoY and by 7% QoQ
FNWD's equity is up by 34% year-on-year and by 7% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.