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Finward Bancorp FNWD R2KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.ibankpeoples.com
Company Profile ↓
$43.90
+48.64% 1Y
Mkt Cap$190.22M
P/E19.34
P/B1.08
Div. Yield1.39%
52W High$45.28
52W Low$28.80
Book Value$41.15
EPS (TTM)$2.27

Company Overview

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 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 March 1994. Finward Bancorp was founded in 1916 and is headquartered in Munster, Indiana.

Why Investors Should Care

Healthy Margins

Operating margin of 16.2% supports profitability.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +2.4%, earnings -4.0%.
  • 5-Year Trend Long-term compounding — profit CAGR 3.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:2.40%

Compounded Profit Growth

5 Years:3.02%
1 Year:-4.00%

Stock Price Performance

1 Year:+48.64%
6 Months:+18.52%
3 Months:+35.73%
1 Month:-1.26%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 92% of range
$28.80 $45.28
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)58.01 · Neutral
Price Performance
1M-1.26%
3M+35.73%
6M+18.52%
1Y+48.64%
Valuation vs Sector

P/E of 19.34 is above the sector median of 14.52 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
19.34
Industry PE
14.52
Forward P/E
14.03
PEG Ratio
1.72
Book Value
$41.15
Price to Book
1.08
P/S
2.79
EV/EBITDA
-
Dividend Yield
1.39%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
3.02%
Revenue (YoY)
2.40%
Earnings (YoY)
-4.00%

Profitability & Returns

ROCE
-
ROE
5.90%
ROA
0.48%
Profit Margin
14.22%
Op Margin
16.19%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.52
EPS (TTM)
$2.27

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$95.30M
Total Assets
$2.02B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
21.73%
Chg in Prom Hold
-0.08%
FII / Inst Holding
46.66%
Chg in FII Hold
-0.12%

Financial Snapshot

Enterprise Value
$190.22M
Total Revenue (TTM)
$69.00M
EBITDA
-
Free Cash Flow
$9.05M
Operating Cash Flow
$9.90M
Shares Outstanding
4.33M
Gross Margin
0.00%
Payout Ratio
21.15%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FNWD Finward Bancorp R2KFINANCIAL 43.90 19.34 $190.22M 1.39% - 5.90% - 3.02%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2013Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Net Income 1.67M1.71M2.38M1.80M1.95M1.91M1.93M1.98M1.92M2.24M2.24M2.33M2.30M2.53M2.25M2.56M2.51M1.62M2.22M4.02M3.58M3.11M4.85M4.69M4.54M3.57M3.54M2.13M4.43M4.56M2.24M2.44M2.19M9.28M143.00K606.00K455.00K2.15M3.50M2.24M
Diluted EPS 0.590.600.840.630.690.670.680.690.670.790.780.810.800.890.780.890.880.540.661.171.040.921.401.351.311.031.020.531.041.070.510.570.512.170.030.140.110.500.810.52

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income 5.18M5.38M6.85M7.12M7.39M7.85M9.14M8.96M9.34M12.10M15.93M14.96M15.08M8.38M12.13M8.09M
Diluted EPS 1.831.902.412.502.602.753.203.133.173.534.604.303.601.962.841.88

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2009Mar 2010Dec 2010Mar 2011Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Jan 2020Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --631.05M-651.76M691.85M693.45M775.04M864.89M913.63M927.26M1.10B1.33B-1.50B1.62B2.07B2.11B2.06B2.02B
Total Equity 53.08M54.32M56.09M57.29M62.96M67.65M66.76M76.17M80.91M84.11M92.06M101.46M133.54M133.54M151.69M156.62M130.28M147.34M151.41M174.66M
Cash & Equivalents 13.22M-10.94M-26.37M33.75M19.79M21.96M11.53M44.22M11.03M17.14M47.26M-------
Total Liabilities --574.96M-588.80M624.19M626.69M698.88M783.98M829.52M835.20M994.69M1.19B-1.34B1.46B1.93B1.96B1.91B1.85B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 14.48M14.82M8.53M---10.39M12.30M10.54M10.96M19.74M17.04M17.73M24.21M9.80M9.90M
Investing Cash Flow 19.94M-7.82M-36.30M----21.28M-47.84M-31.17M-28.17M-185.06M-125.93M-1.13M15.02M42.79M94.88M
Financing Cash Flow -36.71M8.43M35.16M---43.58M2.34M26.74M47.34M137.99M122.14M-18.49M15.49M-68.02M-55.72M
Capital Expenditure -1.70M-417.00K-797.00K-893.00K-859.00K-1.31M-1.71M-1.66M-1.01M-3.04M-3.73M-3.13M-3.03M-1.15M-3.07M-853.00K
Free Cash Flow 12.78M14.40M7.73M---8.68M10.64M9.53M7.92M16.00M13.91M14.70M23.06M6.73M9.05M
Share Buybacks ----31.00K0----------

Ratios (Annual)

Figures in %.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ----------------
Operating Margin % ----------------
Net Margin % ----------------
ROE % 9.2%8.6%10.1%10.7%9.7%9.7%10.9%9.7%9.2%9.1%10.5%9.6%11.6%5.7%8.0%4.6%
ROCE % ----------------

Shareholding Pattern

Insiders
21.73%
Institutions
46.66%
Public Float
59.61%

Top Institutional Holders

#Holder% HeldSharesValue
1 Alliancebernstein L.P. 11.99% 417.19K $18.09M
2 PL Capital Advisors, LLC 11.37% 395.72K $17.15M
3 Vanguard Capital Management LLC 4.66% 162.15K $7.03M
4 Finward Bancorp 3.78% 131.36K $5.69M
5 Endeavour Capital Advisors Inc 2.86% 99.54K $4.32M
6 Elizabeth Park Capital Advisors, Ltd. 1.66% 57.62K $2.50M
7 Wellington Management Group, LLP 1.54% 53.66K $2.33M
8 Renaissance Technologies, LLC 1.30% 45.30K $1.96M
9 Hotchkis & Wiley Capital Management, LLC 1.29% 44.94K $1.95M
10 Geode Capital Management, LLC 1.21% 41.97K $1.82M

Analyst View

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Latest News

Recent headlines for FNWD

Google News Sat, 05 Sep 2026

Finward Bancorp Declares Quarterly Cash Dividend to Shareholders - The Globe and Mail

<a href="https://news.google.com/rss/articles/CBMi5gFBVV95cUxNc2N0M09QdWdEVlFaQmlDdFc4RkdQZ0Fiekp2WFpOUDVmdHNXODI5a2YxRy1PcU1wWGd4MWJLRFdTM3VON091OHdfRkZIWVl2bHQyYTVmZUdJNllCTUZLS1JFZ0x6THRvMkFKMmREcW1keFZGZEl2cm5sQmF2MDBycXM1QS1jZnlMTVRiM0…

Google News Sun, 06 Sep 2026

Avoiding Lag: Real-Time Signals in (FNWD) Movement - Stock Traders Daily

<a href="https://news.google.com/rss/articles/CBMixgFBVV95cUxOTXlIVGx0TGVDYWRLVXFxWlZYb1dwWkN0TC0zeURhRy1NOG1XZFRaRWMzWEhYTzFULVdoQU1BVS1weTVLdFZZVUNyQi1QS29keXQ1c1N2MG52eDJ4Y256WGI0YTNxOG1zZk1ubjcwZ096d1BTWVl0YjQ5TTVERGJQMGZNakw5UVBNWkJmTE…

Google News Wed, 22 Jul 2026

Finward Bancorp shares surge 21% on $208M acquisition by First Financial (FNWD:NASDAQ) - Seeking Alpha

<a href="https://news.google.com/rss/articles/CBMirAFBVV95cUxPNzlLSDZyVGRuMTdFOXE5WEoyaGEzM1g1Q01FUDlITk1NQ1Q0U05Kc2Z4d3lLT2RmeXFZUXFCd01GWHBxRUFDMWd1YktKWnpZWTBGMkZ0TUFlTVdkMTlIMVJIR2s0YVdvaXUtS29xSUtwTEswSlZfeWx2R21sWFFfRE9WSE5SeW9SNW5BeU…

Google News Fri, 04 Sep 2026

Finward Bancorp Announces Dividend - FinancialContent

<a href="https://news.google.com/rss/articles/CBMilwFBVV95cUxNdk85WEswS01wVER1Z2c5eEdjVEZoSG1VTG5SSnF3aXl1VWg0OEVBLUZkenJPNWFWMWJqVnFrWnI2VUczRDc5ZXQ4d1h1cmpWX3lVZ3NNTTdhRFc1emMwaUE5aHJva1BzYzdzaE9hNlRwb0VpcFd5VTluYlJYaHlzZXdHMjFVQ0dxOWFKSH…

Google News Mon, 31 Aug 2026

Finward Bancorp (NASDAQ:FNWD) Short Interest Update - marketbeat.com

<a href="https://news.google.com/rss/articles/CBMisAFBVV95cUxPNUlUWEpEbUlSVnh0QjZxNmRYRG1meXdSSmRVZTJXY3FmZkRoZ0FpV085VlVacDE5VWhPci1KVDVzaUtDaXdTMjgzVDdyTWtRVWxxZmF3Yi1zRHJ5bUJRU0t3QVlVQjJJZjV5Z1VIa3ZxbW1CQ2FnbHBtTGItaUs1NzYtLWhnb1U0UndDSk…

Google News hu, 30 Jul 2026

Finward Bancorp (FNWD) Stock Looks Steady But Valuation Questions Linger - simplywall.st

<a href="https://news.google.com/rss/articles/CBMiywFBVV95cUxQMDB2OHQtaEJhRnhUZDRraUc4Tk1jRUxiWFNYeVVYSnZKbWdudXJLRHFxT3BnSlltNExFVm5KdGN3a0hyVEdWby1RZmdVQTR2T2JSY0Z6TjdyUlFPN0NnbGpKdFFTVTRDazNJcFpEQjB6Um5qY1ZSUUhGYlhGeUs3TVZtdzQ2dHZSVExIUz…

FNWD — Frequently Asked Questions

What is the current share price of Finward Bancorp (FNWD)?

As of 2026-09-07 16:24 PDT, Finward Bancorp (FNWD) trades at $43.90 on NasdaqCM. Its 52-week range is $28.80 to $45.28.

What is the market capitalisation of FNWD?

Finward Bancorp (FNWD) has a market capitalisation of $190.22M on NasdaqCM.

What is the P/E ratio of FNWD?

FNWD trades at a trailing price-to-earnings (P/E) ratio of 19.34. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.08.

Does FNWD pay a dividend?

Finward Bancorp (FNWD) currently offers a dividend yield of 1.39%.

What is the return on equity (ROE) of FNWD?

FNWD has a return on equity (ROE) of 5.90%.

Is FNWD a good stock to buy?

This page provides a data-driven analysis of Finward Bancorp (FNWD), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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