35.5 USD
+0.55 (+1.57%)
Taking everything into account, FNWD scores 2 out of 10 in our fundamental rating. FNWD was compared to 383 industry peers in the Banks industry. FNWD has a bad profitability rating. Also its financial health evaluation is rather negative. FNWD does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
- In the past year FNWD was profitable.
- In the past year FNWD had a positive cash flow from operations.
- FNWD had positive earnings in 4 of the past 5 years.
- FNWD had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- FNWD has a Return On Assets of 0.40%. This is amonst the worse of the industry: FNWD underperforms 82.25% of its industry peers.
- FNWD's Return On Equity of 4.96% is on the low side compared to the rest of the industry. FNWD is outperformed by 77.02% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.4% | ||
| ROE | 4.96% | ||
| ROIC | N/A |
ROA(3y)0.57%
ROA(5y)0.74%
ROE(3y)8.25%
ROE(5y)8.96%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- FNWD's Profit Margin of 12.46% is on the low side compared to the rest of the industry. FNWD is outperformed by 81.72% of its industry peers.
- FNWD's Profit Margin has declined in the last couple of years.
- FNWD does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 12.46% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.71%
PM growth 5Y-5.36%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- FNWD does not have a ROIC to compare to the WACC, probably because it is not profitable.
- There is no outstanding debt for FNWD. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- The Debt to FCF ratio of FNWD is 3.99, which is a good value as it means it would take FNWD, 3.99 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of FNWD (3.99) is worse than 67.36% of its industry peers.
- A Debt/Equity ratio of 0.29 indicates that FNWD is not too dependend on debt financing.
- The Debt to Equity ratio of FNWD (0.29) is worse than 66.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 3.99 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.16%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- FNWD shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -20.49%.
- The earnings per share for FNWD have been decreasing by -17.93% on average. This is quite bad
EPS 1Y (TTM)-20.49%
EPS 3Y-17.93%
EPS 5YN/A
EPS Q2Q%69.39%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-2.38%
3.2 Future
- Based on estimates for the next years, FNWD will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.01% on average per year.
- FNWD is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.46% yearly.
EPS Next Y18.09%
EPS Next 2Y17.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.03%
Revenue Next 2Y6.46%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- FNWD is valuated correctly with a Price/Earnings ratio of 15.78.
- Based on the Price/Earnings ratio, FNWD is valued a bit more expensive than 71.80% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 28.60. FNWD is valued slightly cheaper when compared to this.
- The Price/Forward Earnings ratio is 13.36, which indicates a correct valuation of FNWD.
- Based on the Price/Forward Earnings ratio, FNWD is valued a bit more expensive than the industry average as 68.15% of the companies are valued more cheaply.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.83, FNWD is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.78 | ||
| Fwd PE | 13.36 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of FNWD is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.67 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- FNWD's earnings are expected to grow with 17.01% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.87
PEG (5Y)N/A
EPS Next 2Y17.01%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- FNWD has a Yearly Dividend Yield of 1.31%.
- FNWD's Dividend Yield is slightly below the industry average, which is at 2.60.
- Compared to the average S&P500 Dividend Yield of 1.82, FNWD is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.31% |
5.2 History
- The dividend of FNWD decreases each year by -17.52%.
- FNWD has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-17.52%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- 18.97% of the earnings are spent on dividend by FNWD. This is a low number and sustainable payout ratio.
DP18.97%
EPS Next 2Y17.01%
EPS Next 3YN/A
FINWARD BANCORP / FNWD FAQ
What is the fundamental rating for FNWD stock?
ChartMill assigns a fundamental rating of 2 / 10 to FNWD.
What is the valuation status for FNWD stock?
ChartMill assigns a valuation rating of 2 / 10 to FINWARD BANCORP (FNWD). This can be considered as Overvalued.
What is the profitability of FNWD stock?
FINWARD BANCORP (FNWD) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for FNWD stock?
The Price/Earnings (PE) ratio for FINWARD BANCORP (FNWD) is 15.78 and the Price/Book (PB) ratio is 0.93.
Can you provide the expected EPS growth for FNWD stock?
The Earnings per Share (EPS) of FINWARD BANCORP (FNWD) is expected to grow by 18.09% in the next year.