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Ticker
FNWD

Price
36.99
Stock movement down
-0.65 (-1.73%)
Company name
Finward Bancorp
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
160.05M
Ent value
1.99B
Price/Sales
1.58
Price/Book
0.92
Div yield
1.30%
Div growth
-17.15%
Growth years
-
FCF payout
83.93%
Trailing P/E
19.79
Forward P/E
12.21
PEG
-
EPS growth
-17.06%
1 year return (CAGR)
40.22%
3 year return (CAGR)
-0.36%
5 year return (CAGR)
-1.92%
10 year return (CAGR)
1.95%
Last updated: 2026-02-20

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iO Charts is a Seeking Alpha partner

DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share0.48
Dividend yield1.30%
Payout frequencyQuarterly
Maximum yield6.81%
Average yield2.82%
Minimum yield1.20%
Discount to avg yield-117.28%
Upside potential-53.98%
Yield as % of max yield19.07%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield1.30%
Current yield distribution97.46%
Yield at 100% (Min)1.20%
Yield at 90%1.51%
Yield at 80%1.65%
Yield at 50% (Median)2.70%
Yield at 20%3.55%
Yield at 10%5.12%
Yield at 0% (Max)6.81%

Dividend per share

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Dividend per share data
Years of growth-
CCC status-
Dividend per share0.48
Payout frequencyQuarterly
Ex-div date17 Dec 2025
EPS (TTM)1.88
EPS (1y forward)3.03
EPS growth (5y)-17.06%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
FNWDS&P500
DGR MR-61.29%-13.74%
DGR TTM-28.36%6.60%
DGR 3 years-27.12%7.31%
DGR 5 years-17.15%4.69%
DGR 10 years-6.79%6.30%
DGR 15 years-5.98%8.16%
Time since last change announced790 days
EPS growth (5y)-17.06%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM12.85%83.93%
Average--
Forward15.84%-

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VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E19.79
Price to OCF74.10
Price to FCF129.28
Price to EBITDA21.58
EV to EBITDA268.11

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales1.58
Price to Book0.92
EV to Sales19.67

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iO Charts is a Seeking Alpha partner

FINANCIALS

Per share

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Per share data
Current share count4.33M
EPS (TTM)1.88
FCF per share (TTM)0.29

Income statement

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Income statement data
Revenue (TTM)101.06M
Gross profit (TTM)66.25M
Operating income (TTM)8.11M
Net income (TTM)8.09M
EPS (TTM)1.88
EPS (1y forward)3.03

Margins

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Margins data
Gross margin (TTM)65.55%
Operating margin (TTM)8.02%
Profit margin (TTM)8.00%

Balance Sheet

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Balance Sheet data
Cash18.27M
Net receivables1.46B
Total current assets1.79B
Goodwill22.39M
Intangible assets1.17M
Property, plant and equipment0.00
Total assets2.02B
Accounts payable0.00
Short/Current long term debt84.70M
Total current liabilities1.01B
Total liabilities1.85B
Shareholder's equity174.66M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)2.16M
Capital expenditures (TTM)613.00K
Free cash flow (TTM)1.24M
Dividends paid (TTM)1.04M

Financial returns

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Financial returns data
Return on Equity4.63%
Return on Assets0.40%
Return on Invested Capital3.78%
Cash Return on Invested Capital0.58%

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

STOCK INFORMATION

Stock chart

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Stock price data
Open38.12
Daily high38.12
Daily low36.99
Daily Volume11K
All-time high50.00
1y analyst estimate38.50
Beta0.36
EPS (TTM)1.88
Dividend per share0.48
Ex-div date17 Dec 2025
Next earnings date28 Apr 2026

Downside potential

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Downside potential data
FNWDS&P500
Current price drop from All-time high-26.02%-1.82%
Highest price drop-70.13%-56.47%
Date of highest drop17 Dec 20109 Mar 2009
Avg drop from high-23.42%-10.84%
Avg time to new high17 days12 days
Max time to new high3044 days1805 days

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

COMPANY DETAILS
FNWD (Finward Bancorp) company logo
Marketcap
160.05M
Marketcap category
Small-cap
Description
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 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 and multifamily 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, guardianships, land trusts, profit sharing and 401(k) retirement plans, IRA and Keogh accounts, and investment agency accounts, as well as acts as personal representative of estates, and trustee for revocable and irrevocable trusts. In addition, it provides insurance and annuity investments to wealth management customers; holds security investments and real estate properties; and operates as a real estate investment trust. The company was formerly known as NorthWest Indiana Bancorp and changed its name to Finward Bancorp in May 2021. Finward Bancorp was founded in 1916 and is headquartered in Munster, Indiana.
Employees
293
Investor relations
-
SEC filings
CEO
Country
USA
City
Stock type
-
CCC status
-
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

UNDERSTAND THE BUSINESS
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