Finward Bancorp Key Fundamental Indicators

Finward Bancorp Balance Sheet		Trends
Current Value Last Year Historical Average  10 Year Trend Total Assets 2.1 B 2 B 1.3 B Slightly volatile Short and Long Term Debt Total 57.1 M 84.7 M 56.3 M Slightly volatile Other Current Liabilities 811.3 M 973.3 M 997.5 M Slightly volatile Total Current Liabilities 831.4 M 1 B 1 B Slightly volatile Total Stockholder Equity 183.4 M 174.7 M 111.5 M Slightly volatile Property Plant And Equipment Net 47.2 M 45 M 27.7 M Slightly volatile Retained Earnings 75.1 M 146 M 92.2 M Slightly volatile Cash 26.8 M 18.3 M 29.7 M Slightly volatile Non Current Assets Total 65.1 M 68.5 M 774.9 M Slightly volatile Non Currrent Assets Other 102.2 M 97.4 M 51.2 M Slightly volatile Other Assets 174.8 M 184 M 493.6 M Pretty Stable Cash And Short Term Investments 186.2 M 334.5 M 294.8 M Slightly volatile Net Receivables 1.5 B 1.5 B 179.5 M Slightly volatile Common Stock Shares Outstanding 3.4 M 4.3 M 3.3 M Slightly volatile Liabilities And Stockholders Equity 2.1 B 2 B 1.3 B Slightly volatile Non Current Liabilities Total 875.7 M 834 M 224.2 M Slightly volatile Other Stockholder Equity 73.8 M 70.3 M 28.6 M Slightly volatile Total Liabilities 1.9 B 1.8 B 1.2 B Slightly volatile Total Current Assets 1.9 B 1.8 B 484.3 M Slightly volatile Common Stock 189.1 M 180.1 M 83.7 M Slightly volatile Short Term Debt 41.1 M 39.2 M 20.7 M Slightly volatile Good Will 12.9 M 25.8 M 9.6 M Slightly volatile Net Tangible Assets 132.9 M 180.1 M 118.3 M Slightly volatile Accounts Payable 1.1 B 2 B 1.1 B Slightly volatile Long Term Debt 54.8 M 74.8 M 43.8 M Slightly volatile Net Invested Capital 198.7 M 248.9 M 162.3 M Slightly volatile Long Term Investments 514.6 M 383.6 M 373.6 M Slightly volatile Property Plant Equipment 29.9 M 36.1 M 25.5 M Slightly volatile Property Plant And Equipment Gross 74.5 M 93.1 M 63.8 M Slightly volatile Retained Earnings Total Equity 90 M 101.2 M 110.5 M Slightly volatile Capital Surpluse 24 M 27 M 29.5 M Slightly volatile Non Current Liabilities Other 11 M 12.3 M 13.5 M Slightly volatile Intangible Assets 1.1 M 1.2 M 3.6 M Slightly volatile Other Liabilities 12.3 M 13.8 M 15.1 M Slightly volatile
Finward Bancorp Income Statement		Trends
Current Value Last Year Historical Average  10 Year Trend Depreciation And Amortization 8.8 M 8.4 M 3.9 M Slightly volatile Interest Expense 36.8 M 35 M 11.6 M Slightly volatile Selling General Administrative 39.6 M 37.7 M 20.2 M Slightly volatile Total Revenue 106.1 M 101.1 M 59.3 M Slightly volatile Gross Profit 35.7 M 66.2 M 44.4 M Slightly volatile Other Operating Expenses 97.6 M 93 M 48.4 M Slightly volatile Operating Income 10.2 M 8.1 M 11 M Slightly volatile EBIT 10.3 M 15.5 M 11.5 M Slightly volatile EBITDA 12.7 M 8.1 M 14.1 M Slightly volatile Cost Of Revenue 36.6 M 34.8 M 12.9 M Slightly volatile Income Before Tax 10.2 M 8.1 M 11 M Slightly volatile Net Income 8.1 M 8.1 M 9.4 M Slightly volatile Selling And Marketing Expenses 594.2 K 787 K 707.4 K Slightly volatile Tax Provision 1.3 M 1.2 M 2.1 M Slightly volatile Net Interest Income 51.8 M 55.7 M 41.2 M Slightly volatile Interest Income 64.9 M 102.6 M 51.3 M Slightly volatile Net Income From Continuing Ops 13.7 M 13.9 M 11.2 M Slightly volatile Reconciled Depreciation 4.8 M 8.4 M 3.9 M Slightly volatile Net Income Applicable To Common Shares 14.1 M 17.3 M 11.9 M Slightly volatile
Finward Bancorp Cash Flow Statement		Trends
Current Value Last Year Historical Average  10 Year Trend Free Cash Flow 8.8 M 7.7 M 10.5 M Slightly volatile Begin Period Cash Flow 103.9 M 98.9 M 37.2 M Slightly volatile Depreciation 8.8 M 8.4 M 3.9 M Slightly volatile Dividends Paid 3.4 M 2.4 M 3.2 M Slightly volatile Capital Expenditures 2.1 M 3.5 M 2 M Slightly volatile Total Cash From Operating Activities 10.9 M 11.3 M 12.5 M Slightly volatile Net Income 8.1 M 13.9 M 9.7 M Slightly volatile End Period Cash Flow 85.2 M 81.2 M 38.1 M Slightly volatile
Financial Ratios		Trends
Current Value Last Year Historical Average  10 Year Trend Price To Sales Ratio 2.52 1.4873 2.2189 Slightly volatile Dividend Yield 0.013 0.0136 0.0294 Slightly volatile PTB Ratio 1.46 0.8606 1.0927 Pretty Stable Days Sales Outstanding 5.5 K 5.3 K 662 Slightly volatile Book Value Per Share 42.94 40.8918 32.0153 Slightly volatile Free Cash Flow Yield 0.0786 0.0505 0.1085 Pretty Stable Operating Cash Flow Per Share 2.55 2.07 3.6305 Very volatile Stock Based Compensation To Revenue 0.0029 0.0045 0.0039 Slightly volatile Capex To Depreciation 0.46 0.48 0.7842 Slightly volatile PB Ratio 1.46 0.8606 1.0927 Pretty Stable EV To Sales 3.25 2.1447 2.7551 Slightly volatile Free Cash Flow Per Share 2.04 1.42 3.0648 Very volatile ROIC 0.0087 0.0091 0.0553 Slightly volatile Net Income Per Share 1.88 1.8933 2.7645 Pretty Stable Sales General And Administrative To Revenue 0.23 0.3735 0.3323 Pretty Stable Capex To Revenue 0.0585 0.0316 0.0436 Slightly volatile Cash Per Share 40.38 78.3106 86.1061 Slightly volatile POCF Ratio 11.96 14.08 10.0455 Very volatile Interest Coverage 0.22 0.2316 2.9638 Slightly volatile Payout Ratio 0.24 0.2535 0.3508 Slightly volatile Capex To Operating Cash Flow 0.31 0.36 0.2153 Very volatile PFCF Ratio 19.49 20.51 88.4941 Slightly volatile Income Quality 1.1 0.73 1.3399 Pretty Stable ROE 0.044 0.0463 0.0878 Slightly volatile EV To Operating Cash Flow 16.37 18.21 12.3755 Very volatile PE Ratio 14.19 18.5865 12.3553 Very volatile Return On Tangible Assets 0.0038 0.004 0.0081 Slightly volatile EV To Free Cash Flow 25.2 26.52 99.0359 Slightly volatile Earnings Yield 0.0668 0.0538 0.0886 Pretty Stable Intangibles To Total Assets 0.0063 0.0117 0.0064 Slightly volatile Current Ratio 1.86 1.7706 0.4774 Slightly volatile Tangible Book Value Per Share 18.01 35.3743 28.1043 Slightly volatile Receivables Turnover 0.0658 0.0693 11.0937 Slightly volatile Graham Number 28.2 41.7369 43.3586 Slightly volatile Shareholders Equity Per Share 42.94 40.8918 32.0153 Slightly volatile Debt To Equity 0.87 0.485 0.5715 Very volatile Capex Per Share 0.7 0.83 0.5874 Slightly volatile Revenue Per Share 24.84 23.6602 16.6321 Slightly volatile Interest Debt Per Share 15.88 28.0293 18.7562 Slightly volatile Debt To Assets 0.0728 0.0419 0.05 Pretty Stable Enterprise Value Over EBITDA 28.06 26.7259 11.3741 Slightly volatile Short Term Coverage Ratios 0.21 0.22 0.7272 Very volatile Price Earnings Ratio 14.19 18.5865 12.3553 Very volatile Operating Cycle 5.5 K 5.3 K 662 Slightly volatile Price Book Value Ratio 1.46 0.8606 1.0927 Pretty Stable Dividend Payout Ratio 0.24 0.2535 0.3508 Slightly volatile Price To Operating Cash Flows Ratio 11.96 14.08 10.0455 Very volatile Price To Free Cash Flows Ratio 19.49 20.51 88.4941 Slightly volatile Pretax Profit Margin 0.0762 0.0802 0.2181 Slightly volatile Operating Profit Margin 0.0762 0.0802 0.2181 Slightly volatile Company Equity Multiplier 9.27 11.5719 11.082 Slightly volatile Long Term Debt To Capitalization 0.39 0.2068 0.2945 Very volatile Total Debt To Capitalization 0.45 0.3266 0.3433 Very volatile Return On Capital Employed 0.0076 0.008 0.0748 Slightly volatile Debt Equity Ratio 0.87 0.485 0.5715 Very volatile Ebit Per Revenue 0.0762 0.0802 0.2181 Slightly volatile Quick Ratio 1.86 1.7706 0.4774 Slightly volatile Dividend Paid And Capex Coverage Ratio 1.7 1.72 2.5684 Slightly volatile Net Income Per E B T 0.63 0.9972 0.8276 Slightly volatile Cash Ratio 0.0171 0.018 0.0285 Pretty Stable Cash Conversion Cycle 5.5 K 5.3 K 662 Slightly volatile Operating Cash Flow Sales Ratio 0.0958 0.1 0.2374 Slightly volatile Days Of Sales Outstanding 5.5 K 5.3 K 662 Slightly volatile Free Cash Flow Operating Cash Flow Ratio 0.58 0.62 0.777 Very volatile Cash Flow Coverage Ratios 0.0798 0.084 0.3095 Very volatile Price To Book Ratio 1.46 0.8606 1.0927 Pretty Stable Fixed Asset Turnover 2.54 2.247 2.0822 Slightly volatile Capital Expenditure Coverage Ratio 2.73 2.87 8.9412 Slightly volatile Price Cash Flow Ratio 11.96 14.08 10.0455 Very volatile Enterprise Value Multiple 28.06 26.7259 11.3741 Slightly volatile Debt Ratio 0.0728 0.0419 0.05 Pretty Stable Cash Flow To Debt Ratio 0.0798 0.084 0.3095 Very volatile Price Sales Ratio 2.52 1.4873 2.2189 Slightly volatile Return On Assets 0.0038 0.004 0.008 Slightly volatile Asset Turnover 0.0572 0.05 0.0462 Slightly volatile Net Profit Margin 0.076 0.08 0.1781 Slightly volatile Gross Profit Margin 0.54 0.6555 0.778 Very volatile Price Fair Value 1.46 0.8606 1.0927 Pretty Stable Return On Equity 0.044 0.0463 0.0878 Slightly volatile
Finward Bancorp Valuation Data		Trends
Current Value Last Year Historical Average  10 Year Trend Market Cap 74 M 135.3 M 102.3 M Slightly volatile Enterprise Value 204.8 M 195.1 M 132.6 M Slightly volatile

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Finward Bancorp 'What if' Analysis

Hype Prediction Low Estimated High 35.78 37.65 39.52 Details

Intrinsic Valuation Low Real High 36.02 37.89 39.76 Details

2 Analysts Consensus Low Target High 35.04 38.50 42.74 Details

Earnings Estimates (0) Low Projected EPS High 0.74 0.76 0.78 Details

Finward Bancorp February 15, 2026 Technical Indicators

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Finward Bancorp Fundamental Drivers Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Finward Bancorp's current stock value. Our valuation model uses many indicators to compare Finward Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Finward Bancorp competition to find correlations between indicators driving Finward Bancorp's intrinsic value. More Info.Finward Bancorp is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.08  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Finward Bancorp is roughly  12.40 . At present, Finward Bancorp's Return On Equity is projected to slightly decrease based on the last few years of reporting. Comparative valuation analysis is a catch-all technique that is used if you cannot value Finward Bancorp by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Finward Profit Margin Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Finward Bancorp's direct or indirect competition against its Profit Margin to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Finward Bancorp could also be used in its relative valuation, which is a method of valuing Finward Bancorp by comparing valuation metrics of similar companies.

Finward Bancorp ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Finward Bancorp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Finward Bancorp's managers, analysts, and investors.

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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:

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