As we look toward 2025, Finward Bancorp presents itself as an intriguing prospect for investors seeking opportunities in the regional banking sector. Despite a cost of revenue standing at $31.2 million, the company has managed to maintain a net income of $8.4 million, showcasing its ability to navigate financial challenges effectively. With an operating margin of 5.61%, Finward Bancorp demonstrates a solid capacity to convert revenue into profit, a key indicator of operational efficiency. The stock's beta of 0.556 suggests lower volatility compared to the broader market, potentially offering a more stable investment for those wary of market fluctuations. Coupled with a strong buy consensus from analysts, Finward Bancorp could be a promising addition to your portfolio as we approach the mid-decade mark. Why have analysts recently shifted their consensus on Finward Bancorp to a Strong Buy? With the company set to release its earnings today, it's a good moment to delve deeper into its investment potential. Despite some millennials steering clear of the banking sector, understanding why Finward Bancorp has been overlooked by investors amid recent economic trends is key. Analysts' confidence in the company has waned compared to last month, yet the current recommendation from two analysts remains a Strong Buy. This suggests that, despite some reservations, there is still significant belief in the company's prospects.
What is the right price you would pay to acquire a share of Finward Bancorp? For most investors, it would be the price that gives them a wide margin of safety to have minimal downside risk. In other words, most investors are always looking for undervalued stocks. Even if the
future performance is not entirely as expected, the loss of holding it is minimized, and the downside risk is negated. Please read more on our
stock advisor page.
What is happening with Finward Bancorp this year
Annual and quarterly reports issued by Finward Bancorp are formal
financial statements that are published yearly and quarterly and sent to Finward stockholders. The reports show and break down the current year's ongoing operations and discuss plans for the upcoming year. Annual reports have been a requirement from the
Securities and Exchange Commission (SEC) for businesses owned by the public since 1934.
Companies such as Finward Bancorp often view their annual report as an effective marketing tool to disseminate their perspective on company
future earnings or innovations. With this in mind, many companies devote large sums of money to making their reports attractive and informative. In such instances, the annual report becomes a forum through which a company can communicate to the general public any number of topics that may or may not be directly related to the actual data published in the reports.
Finward Bancorp Gross Profit
Finward Bancorp Gross Profit growth is one of the most critical measures in evaluating the company. The Gross Profit growth rate is calculated simply by comparing Finward Bancorp previous period's values with its current period's values. Each time period you're measuring should be of equal lengths the increase or decrease, in a company's Gross Profit between two periods. Here we show Finward Bancorp Gross Profit growth over the last 10 years. Please check Finward Bancorp's
gross profit and other
fundamental indicators for more details.
Another Outlook On Finward Bancorp
Average experts consensus on Finward Bancorp has changed. Currently, most analysts have less confidence in the entity as compared to a month ago. The current buy or sell recommendation of 2 analysts is Strong Buy.
Is Finward a risky opportunity?
Let's check the volatility. Finward is looking slightly risky at this time. Whether you invest your money or manage your clients' funds, remember that it is easy to forget that behind Finward (USA Stocks:FNWD) stock is an actual business venture. So, do not let stock picking become an abstract concept by ignoring the elementary risk calculations. purchasing a share of a Finward Bancorp stock makes you a part-owner of that company.
Finward Bancorp Current Consensus
Here is the latest trade recommendation based on an ongoing consensus estimate among financial analysis covering Finward Bancorp. The Finward consensus assessment is calculated by taking the average estimates from all of the analysts covering Finward Bancorp.
| Strong Buy | 2 | 100.0 |
| Buy | 0 | 0.0 |
| Hold | 0 | 0.0 |
| Sell | 0 | 0.0 |
| Strong Sell | 0 | 0.0 |
"Buy low, sell high" is a timeless piece of advice that might resonate well with those eyeing Finward Bancorp for 2025. Currently trading around $26.93, the stock sits below its 52-week high of $33.35, suggesting potential upside. With a market capitalization of $115.52 million and a price-to-earnings ratio of 7.17x, Finward appears undervalued compared to its peers in the regional banking sector. Despite a modest operating margin of 0.06%, the company maintains a solid net interest income of $58.6 million, indicating a stable revenue stream. Investors should consider the relatively low beta of 0.56, which suggests less volatility compared to the broader market, making it a potentially safer bet for those seeking steady growth.
Finward may start a reversion in February
Finward Bancorp's recent drop in Jensen Alpha to -0.23 suggests the stock might experience some downward pressure soon. This metric indicates that Finward is underperforming compared to its expected market return. Investors should monitor this trend closely, as it could signal a potential price decline, possibly leading to a rebound by February. This might be a good time for portfolio adjustments, as the market hints at a shift in Finward's direction.
The stock shows low volatility, with a skewness of -0.2 and kurtosis of 2.33. Understanding these volatility trends can help investors time their market moves. In bear markets, increased volatility can affect Finward's stock price, prompting investors to rebalance their portfolios by acquiring different assets as prices drop.
Our Final Perspective on Finward Bancorp
Although many other companies in the banks—regional industry are either recovering or due for a correction, Finward Bancorp may not be performing as strong as the other in terms of long-term growth potentials. The bottom line, as of the 28th of January 2025, we believe that at this point, Finward Bancorp is very steady with
low probability of distress within the next 2 years. From a slightly different point of view, the entity appears to be
undervalued. Our concluding 90 days buy-hold-sell advice on the firm is
Cautious Hold.
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Gabriel Shpitalnik is a Member of Macroaxis Editorial Board. Gabriel is a young entrepreneur and writes predominantly on the business, technology, and finance sector. He likes to analyze different equity instruments across a wide range of industries focusing primarily on consumer products and evolving technologies.
View Profile This story should be regarded as informational only and should not be considered a solicitation to sell or buy any financial products. Macroaxis does not express any opinion as to the present or future value of any investments referred to in this post. This post may not be reproduced without the consent of Macroaxis LLC. Macroaxis LLC and Gabriel Shpitalnik do not own shares of Finward Bancorp. Please refer to our
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