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FNWD Finward Bancorp

Price (delayed)

$29.1

Market cap

$125.87M

P/E Ratio

37.31

Dividend/share

$0.48

EPS

$0.78

Enterprise value

$155.22M

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
The debt has declined by 22% year-on-year and by 3.2% since the previous quarter
The price to earnings (P/E) is 123% higher than the last 4 quarters average of 16.7
Finward Bancorp's EPS has shrunk by 79% YoY and by 73% QoQ

Key stats

What are the main financial stats of FNWD
Market
Shares outstanding
4.33M
Market cap
$125.87M
Enterprise value
$155.22M
Valuations
Price to earnings (P/E)
37.31
Price to book (P/B)
0.83
Price to sales (P/S)
2.05
EV/EBIT
40.64
EV/EBITDA
14.11
EV/Sales
2.53
Earnings
Revenue
$61.43M
Gross profit
$61.43M
Operating income
$3.82M
Net income
$3.31M
EBIT
$3.82M
EBITDA
$11M
Free cash flow
$3.42M
Per share
EPS
$0.78
EPS diluted
$0.77
Free cash flow per share
$0.79
Book value per share
$35.1
Revenue per share
$14.2
TBVPS
$466.11
Balance sheet
Total assets
$2.04B
Total liabilities
$1.89B
Debt
$101.71M
Equity
$151.81M
Working capital
N/A
Liquidity
Debt to equity
0.67
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.67
Margins
EBITDA margin
17.9%
Gross margin
100%
Net margin
5.4%
Operating margin
6.2%
Efficiency
Return on assets
0.2%
Return on equity
2.2%
Return on invested capital
0.2%
Return on capital employed
N/A
Return on sales
6.2%
Dividend
Dividend yield
1.65%
DPS
$0.48
Payout ratio
61.5%

FNWD stock price

How has the Finward Bancorp stock price performed over time
Intraday
0.14%
1 week
-0.24%
1 month
-5.61%
1 year
19.02%
YTD
3.52%
QTD
0%

Financial performance

How have Finward Bancorp's revenue and profit performed over time
Revenue
$61.43M
Gross profit
$61.43M
Operating income
$3.82M
Net income
$3.31M
Gross margin
100%
Net margin
5.4%
The net income has plunged by 79% YoY and by 73% from the previous quarter
The operating income has dropped by 76% year-on-year and by 72% since the previous quarter
The net margin has dropped by 75% year-on-year and by 68% since the previous quarter
Finward Bancorp's operating margin has shrunk by 72% YoY and by 67% QoQ

Price vs fundamentals

How does FNWD's price correlate with its fundamentals

Growth

What is Finward Bancorp's growth rate over time

Valuation

What is Finward Bancorp stock price valuation
P/E
37.31
P/B
0.83
P/S
2.05
EV/EBIT
40.64
EV/EBITDA
14.11
EV/Sales
2.53
The price to earnings (P/E) is 123% higher than the last 4 quarters average of 16.7
Finward Bancorp's EPS has shrunk by 79% YoY and by 73% QoQ
FNWD's price to book (P/B) is 8% lower than its 5-year quarterly average of 0.9 but 3.8% higher than its last 4 quarters average of 0.8
Finward Bancorp's revenue has decreased by 14% YoY and by 14% QoQ
The price to sales (P/S) is 14% more than the last 4 quarters average of 1.8 and 2.5% more than the 5-year quarterly average of 2.0

Efficiency

How efficient is Finward Bancorp business performance
The ROE has plunged by 80% YoY and by 72% from the previous quarter
Finward Bancorp's return on sales has shrunk by 72% YoY and by 67% QoQ
The company's return on invested capital has shrunk by 71% YoY and by 67% QoQ
Finward Bancorp's return on assets has shrunk by 71% YoY and by 67% QoQ

Dividends

What is FNWD's dividend history
DPS
$0.48
Dividend yield
1.65%
Payout ratio
61.5%
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
The debt is 33% smaller than the equity
The company's debt to equity fell by 23% YoY and by 2.9% QoQ
The debt has declined by 22% year-on-year and by 3.2% since the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.