Finward Financial Statements From 2010 to 2025

FNWD Stock  USD 26.66  0.03  0.11%   
Finward Bancorp financial statements provide useful quarterly and yearly information to potential Finward Bancorp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Finward Bancorp financial statements helps investors assess Finward Bancorp's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Finward Bancorp's valuation are summarized below:
Gross Profit
69.6 M
Profit Margin
0.1657
Market Capitalization
114.9 M
Enterprise Value Revenue
1.6363
Revenue
69.6 M
There are over one hundred nineteen available fundamental signals for Finward Bancorp, which can be analyzed over time and compared to other ratios. Investors should ensure to verify all of Finward Bancorp's prevailing performance against the performance from 2010 to 2025 to make sure the company is sustainable down the road. As of January 30, 2025, Market Cap is expected to decline to about 73.4 M. In addition to that, Enterprise Value is expected to decline to about 77.6 M

Finward Bancorp Total Revenue

78.85 Million

Check Finward Bancorp financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Finward Bancorp's main balance sheet or income statement drivers, such as Depreciation And Amortization of 8.6 M, Interest Expense of 29.5 M or Selling General Administrative of 35.8 M, as well as many indicators such as Price To Sales Ratio of 1.8, Dividend Yield of 0.0432 or PTB Ratio of 1.5. Finward financial statements analysis is a perfect complement when working with Finward Bancorp Valuation or Volatility modules.
  
Check out the analysis of Finward Bancorp Correlation against competitors.
For information on how to trade Finward Stock refer to our How to Trade Finward Stock guide.

Finward Bancorp Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets2.5 B2.4 B1.3 B
Slightly volatile
Short and Long Term Debt Total96.6 M92 M44.6 M
Slightly volatile
Total Stockholder Equity177.9 M169.4 M108.4 M
Slightly volatile
Property Plant And Equipment Net46.4 M44.2 M26.4 M
Slightly volatile
Retained Earnings156.3 M148.8 M94.5 M
Slightly volatile
Cash103.3 M98.4 M38.4 M
Slightly volatile
Non Current Assets Total2.4 B2.3 B634.1 M
Slightly volatile
Cash And Short Term Investments134.7 M94.2 M213.1 M
Pretty Stable
Net Receivables8.8 M9.3 M99.2 M
Pretty Stable
Common Stock Shares Outstanding3.3 M4.9 M3.3 M
Slightly volatile
Liabilities And Stockholders Equity2.5 B2.4 B1.3 B
Slightly volatile
Non Current Liabilities Total787.3 M749.8 M292.5 M
Slightly volatile
Other Stockholder Equity84 M80 M27.3 M
Slightly volatile
Total Liabilities2.4 B2.3 B702.3 M
Slightly volatile
Total Current Assets237.2 M202.4 M387 M
Slightly volatile
Common Stock189.1 M180.1 M79.2 M
Slightly volatile
Total Current Liabilities1.6 B1.5 B614.8 M
Slightly volatile
Short Term Debt21.3 M34.3 M23.8 M
Very volatile
Good Will27 M25.8 M9.7 M
Slightly volatile
Other Current Assets123.6 M84.6 M184.3 M
Slightly volatile
Net Tangible Assets132.9 M180.1 M115.9 M
Slightly volatile
Accounts Payable1.1 BBB
Slightly volatile
Long Term Debt52.1 M92 M43.4 M
Slightly volatile
Net Invested Capital192.2 M261.4 M159.3 M
Slightly volatile
Long Term Investments535.7 M427.1 M380.2 M
Slightly volatile
Property Plant Equipment29.9 M36.1 M25.1 M
Slightly volatile
Property Plant And Equipment Gross71.6 M83.9 M62 M
Slightly volatile
Retained Earnings Total Equity90 M101.2 M110.4 M
Slightly volatile
Capital Surpluse24 M27 M29.4 M
Slightly volatile
Non Current Liabilities Other11 M12.3 M13.5 M
Slightly volatile
Intangible Assets3.1 M2.9 M3.9 M
Slightly volatile
Other Liabilities12.3 M13.8 M15.1 M
Slightly volatile

Finward Bancorp Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization8.6 M8.2 M3.7 M
Slightly volatile
Interest Expense29.5 M28.1 M8.9 M
Slightly volatile
Selling General Administrative35.8 M34.1 M19.2 M
Slightly volatile
Total Revenue78.9 M75.1 M47.3 M
Slightly volatile
Gross Profit116.6 M111 M53.9 M
Slightly volatile
Operating Income13 M13.7 M13.8 M
Slightly volatile
EBIT12.8 M7.2 M13 M
Very volatile
EBITDA14.5 M13.7 M16.2 M
Slightly volatile
Income Before Tax10.2 M9.3 M11 M
Slightly volatile
Net Income7.9 M9.6 M9.3 M
Slightly volatile
Selling And Marketing Expenses572 K966 K711.4 K
Slightly volatile
Tax Provision56.4 K59.4 KM
Slightly volatile
Net Interest Income51.6 M67.4 M41.4 M
Slightly volatile
Interest Income60.1 M95.9 M48.3 M
Slightly volatile
Net Income From Continuing Ops13.8 M12.5 M11.1 M
Slightly volatile
Reconciled Depreciation4.3 M7.3 M3.6 M
Slightly volatile
Net Income Applicable To Common Shares14.1 M17.3 M11.7 M
Slightly volatile

Finward Bancorp Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow25.1 M23.9 M12.4 M
Slightly volatile
Begin Period Cash Flow23.4 M36 M25.2 M
Slightly volatile
Depreciation8.6 M8.2 M3.7 M
Slightly volatile
Capital Expenditures2.1 M1.3 M1.8 M
Slightly volatile
Total Cash From Operating Activities26.5 M25.2 M14.1 M
Slightly volatile
Net Income7.9 M9.6 M9.3 M
Slightly volatile
End Period Cash Flow103.9 M98.9 M38.4 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.81.896.7385
Slightly volatile
Dividend Yield0.04320.05720.0349
Slightly volatile
PTB Ratio1.50.841.1098
Pretty Stable
Days Sales Outstanding6.7 K6.4 K1.8 K
Slightly volatile
Book Value Per Share29.4731.02186
Slightly volatile
Free Cash Flow Yield0.180.170.1217
Very volatile
Operating Cash Flow Per Share2.544.623.7859
Slightly volatile
Stock Based Compensation To Revenue0.01040.00990.0051
Slightly volatile
Capex To Depreciation0.180.16030.7707
Slightly volatile
PB Ratio1.50.841.1098
Pretty Stable
EV To Sales1.71.797.3459
Slightly volatile
Free Cash Flow Per Share4.594.383.415
Slightly volatile
Net Income Per Share1.881.762.7567
Slightly volatile
Sales General And Administrative To Revenue0.740.520.6539
Slightly volatile
Capex To Revenue0.01920.02020.225
Slightly volatile
Cash Per Share10196.1986.9974
Slightly volatile
POCF Ratio5.355.639.1631
Slightly volatile
Interest Coverage0.420.443.7255
Slightly volatile
Payout Ratio0.550.730.4112
Slightly volatile
Capex To Operating Cash Flow0.05720.06020.1769
Slightly volatile
PFCF Ratio5.645.9491.3701
Slightly volatile
Income Quality2.472.361.5119
Slightly volatile
ROE0.120.06540.0942
Very volatile
EV To Operating Cash Flow5.075.339.8257
Slightly volatile
PE Ratio14.0714.7312.2327
Very volatile
Return On Tangible Assets0.00440.00460.0083
Slightly volatile
EV To Free Cash Flow5.355.63100
Slightly volatile
Earnings Yield0.06730.07030.089
Pretty Stable
Intangibles To Total Assets0.01150.0110.0062
Slightly volatile
Current Ratio0.150.168.2169
Slightly volatile
Tangible Book Value Per Share24.3325.61184
Slightly volatile
Receivables Turnover0.04420.04658.4136
Slightly volatile
Graham Number27.735.0942.7467
Slightly volatile
Shareholders Equity Per Share18.3431.0229.7256
Slightly volatile
Debt To Equity0.750.620.4403
Pretty Stable
Capex Per Share0.290.310.5216
Pretty Stable
Revenue Per Share8.0713.7512.842
Slightly volatile
Interest Debt Per Share17.8529.9214.4726
Slightly volatile
Debt To Assets0.06330.04360.0381
Pretty Stable
Enterprise Value Over EBITDA8.587.697.8134
Very volatile
Short Term Coverage Ratios0.170.240.2611
Slightly volatile
Price Earnings Ratio14.0714.7312.2327
Very volatile
Operating Cycle6.7 K6.4 K1.8 K
Slightly volatile
Price Book Value Ratio1.50.841.1098
Pretty Stable
Dividend Payout Ratio0.550.730.4112
Slightly volatile
Price To Operating Cash Flows Ratio5.355.639.1631
Slightly volatile
Price To Free Cash Flows Ratio5.645.9491.3701
Slightly volatile
Pretax Profit Margin0.130.140.5246
Slightly volatile
Ebt Per Ebit0.440.480.7672
Very volatile
Operating Profit Margin0.250.271.5039
Slightly volatile
Company Equity Multiplier12.6616.4511.4363
Slightly volatile
Long Term Debt To Capitalization0.40.35190.3068
Pretty Stable
Total Debt To Capitalization0.410.40.2868
Very volatile
Return On Capital Employed0.03540.02150.0252
Pretty Stable
Debt Equity Ratio0.750.620.4403
Pretty Stable
Ebit Per Revenue0.250.271.5039
Slightly volatile
Quick Ratio0.150.168.1572
Slightly volatile
Dividend Paid And Capex Coverage Ratio1.663.042.6037
Pretty Stable
Net Income Per E B T0.620.940.8166
Slightly volatile
Cash Ratio0.07220.0760.934
Slightly volatile
Cash Conversion Cycle6.7 K6.4 K1.8 K
Slightly volatile
Operating Cash Flow Sales Ratio0.690.390.501
Slightly volatile
Days Of Sales Outstanding6.7 K6.4 K1.8 K
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.580.850.7949
Pretty Stable
Cash Flow Coverage Ratios0.320.250.5726
Pretty Stable
Price To Book Ratio1.50.841.1098
Pretty Stable
Fixed Asset Turnover1.31.531.6844
Slightly volatile
Capital Expenditure Coverage Ratio18.0517.1910.7819
Very volatile
Price Cash Flow Ratio5.355.639.1631
Slightly volatile
Enterprise Value Multiple8.587.697.8134
Very volatile
Debt Ratio0.06330.04360.0381
Pretty Stable
Cash Flow To Debt Ratio0.320.250.5726
Pretty Stable
Price Sales Ratio1.81.896.7385
Slightly volatile
Return On Assets0.00430.00460.0082
Slightly volatile
Asset Turnover0.02960.02790.0368
Very volatile
Net Profit Margin0.140.150.3726
Slightly volatile
Gross Profit Margin1.181.331.4503
Slightly volatile
Price Fair Value1.50.841.1098
Pretty Stable
Return On Equity0.120.06540.0942
Very volatile

Finward Bancorp Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap73.4 M143.6 M110.3 M
Slightly volatile
Enterprise Value77.6 M126.8 M106.3 M
Slightly volatile

Finward Fundamental Market Drivers

Cash And Short Term Investments81.9 M

Finward Upcoming Events

24th of January 2024
Upcoming Quarterly Report
View
24th of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
24th of January 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About Finward Bancorp Financial Statements

Finward Bancorp stakeholders use historical fundamental indicators, such as Finward Bancorp's revenue or net income, to determine how well the company is positioned to perform in the future. Although Finward Bancorp investors may analyze each financial statement separately, they are all interrelated. For example, changes in Finward Bancorp's assets and liabilities are reflected in the revenues and expenses on Finward Bancorp's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Finward Bancorp. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Total Revenue75.1 M78.9 M
Cost Of Revenue-28.1 M-29.5 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.52  0.74 
Capex To Revenue 0.02  0.02 
Revenue Per Share 13.75  8.07 
Ebit Per Revenue 0.27  0.25 

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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.
When determining whether Finward Bancorp is a strong investment it is important to analyze Finward Bancorp's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Finward Bancorp's future performance. For an informed investment choice regarding Finward Stock, refer to the following important reports:
Check out the analysis of Finward Bancorp Correlation against competitors.
For information on how to trade Finward Stock refer to our How to Trade Finward Stock guide.
You can also try the Portfolio Holdings module to check your current holdings and cash postion to detemine if your portfolio needs rebalancing.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Finward Bancorp. If investors know Finward will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Finward Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.72)
Earnings Share
2.71
Revenue Per Share
16.365
Quarterly Revenue Growth
(0.03)
Return On Assets
0.0056
The market value of Finward Bancorp is measured differently than its book value, which is the value of Finward that is recorded on the company's balance sheet. Investors also form their own opinion of Finward Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Finward Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Finward Bancorp's market value can be influenced by many factors that don't directly affect Finward Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Finward Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Finward Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Finward Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.