FNWD Fundamental Analysis - FINWARD BANCORP

Fundamental Rating

Taking everything into account, FNWD scores 2 out of 10 in our fundamental rating. FNWD was compared to 392 industry peers in the Banks industry. FNWD may be in some trouble as it scores bad on both profitability and health. FNWD is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

FNWD had positive earnings in the past year.

FNWD had a positive operating cash flow in the past year.

FNWD had positive earnings in each of the past 5 years.

Each year in the past 5 years FNWD had a positive operating cash flow.

1.2 Ratios

FNWD has a worse Return On Assets (0.16%) than 86.48% of its industry peers.

FNWD has a Return On Equity of 2.18%. This is amonst the worse of the industry: FNWD underperforms 85.20% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.16%
ROE	2.18%
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 5.38% is on the low side compared to the rest of the industry. FNWD is outperformed by 86.73% of its industry peers.

In the last couple of years the Profit Margin of FNWD has declined.

The Operating Margin and Gross Margin are not available for FNWD so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	5.38%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FNWD does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, FNWD has more shares outstanding

The number of shares outstanding for FNWD has been increased compared to 5 years ago.

FNWD has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of FNWD is 12.96, which is on the high side as it means it would take FNWD, 12.96 years of fcf income to pay off all of its debts.

With a Debt to FCF ratio value of 12.96, FNWD is not doing good in the industry: 79.85% of the companies in the same industry are doing better.

A Debt/Equity ratio of 0.30 indicates that FNWD is not too dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.30, FNWD is doing worse than 68.62% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.3
Debt/FCF	12.96
Altman-Z	N/A

ROIC/WACCN/A

WACC18.91%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for FNWD have decreased strongly by -59.61% in the last year.

FNWD shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.27% yearly.

The Revenue for FNWD has decreased by -10.56% in the past year. This is quite bad

Measured over the past years, FNWD shows a small growth in Revenue. The Revenue has been growing by 5.72% on average per year.

EPS 1Y (TTM)-59.61%

EPS 3Y-12.94%

EPS 5Y-4.27%

EPS Q2Q%1566.67%

Revenue 1Y (TTM)-10.56%

Revenue growth 3Y3.28%

Revenue growth 5Y5.72%

Sales Q2Q%13.68%

3.2 Future

The Earnings Per Share is expected to decrease by -12.69% on average over the next years. This is quite bad

Based on estimates for the next years, FNWD will show a small growth in Revenue. The Revenue will grow by 5.65% on average per year.

EPS Next Y-45.04%

EPS Next 2Y-12.69%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year3.58%

Revenue Next 2Y5.65%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 25.81 indicates a quite expensive valuation of FNWD.

83.93% of the companies in the same industry are cheaper than FNWD, based on the Price/Earnings ratio.

FNWD is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.86, which is the current average of the S&P500 Index.

FNWD is valuated correctly with a Price/Forward Earnings ratio of 14.84.

Compared to the rest of the industry, the Price/Forward Earnings ratio of FNWD indicates a slightly more expensive valuation: FNWD is more expensive than 73.47% of the companies listed in the same industry.

FNWD's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.29.

		Industry Rank	Sector Rank
PE	25.81
Fwd PE	14.84

4.2 Price Multiples

78.83% of the companies in the same industry are cheaper than FNWD, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	39.79
EV/EBITDA	N/A

4.3 Compensation for Growth

FNWD's earnings are expected to decrease with -12.69% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-12.69%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

FNWD has a Yearly Dividend Yield of 1.47%. Purely for dividend investing, there may be better candidates out there.

FNWD's Dividend Yield is slightly below the industry average, which is at 3.52.

FNWD's Dividend Yield is slightly below the S&P500 average, which is at 2.41.

		Industry Rank	Sector Rank
Dividend Yield	1.47%

5.2 History

The dividend of FNWD decreases each year by -17.52%.

FNWD has paid a dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)-17.52%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

FNWD pays out 62.69% of its income as dividend. This is not a sustainable payout ratio.

FNWD's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.

DP62.69%

EPS Next 2Y-12.69%

EPS Next 3YN/A

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FINWARD BANCORP

NASDAQ:FNWD (10/3/2025, 1:56:13 PM)

32.01

+0.28 (+0.88%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-29 2025-07-29/amc

Earnings (Next)10-27 2025-10-27/amc

Inst Owners41.17%

Inst Owner Change17.75%

Ins Owners13.64%

Ins Owner Change0.2%

Market Cap138.28M

Analysts82.5

Price Target31.62 (-1.22%)

Short Float %4.29%

Short Ratio3.1

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.47%

Yearly Dividend0.48

Dividend Growth(5Y)-17.52%

DP62.69%

Div Incr Years0

Div Non Decr Years0

Ex-Date08-29 2025-08-29 (0.12)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)79.94%

Min EPS beat(2)13.52%

Max EPS beat(2)146.35%

EPS beat(4)3

Avg EPS beat(4)67.2%

Min EPS beat(4)-23.75%

Max EPS beat(4)146.35%

EPS beat(8)4

Avg EPS beat(8)81.1%

EPS beat(12)4

Avg EPS beat(12)47.25%

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)1

Avg Revenue beat(2)-1.28%

Min Revenue beat(2)-6.23%

Max Revenue beat(2)3.66%

Revenue beat(4)1

Avg Revenue beat(4)-4.07%

Min Revenue beat(4)-7.42%

Max Revenue beat(4)3.66%

Revenue beat(8)1

Avg Revenue beat(8)-6.84%

Revenue beat(12)1

Avg Revenue beat(12)-7.81%

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)0%

PT rev (3m)-6.06%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)43.87%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.98%

Valuation

		Industry Rank	Sector Rank
PE	25.81
Fwd PE	14.84
P/S	2.25
P/FCF	39.79
P/OCF	22.97
P/B	0.91
P/tB	1.08
EV/EBITDA	N/A

EPS(TTM)1.24

EY3.87%

EPS(NY)2.16

Fwd EY6.74%

FCF(TTM)0.8

FCFY2.51%

OCF(TTM)1.39

OCFY4.35%

SpS14.21

BVpS35.14

TBVpS29.58

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.16%
ROE	2.18%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	5.38%
GM	N/A
FCFM	5.66%

ROA(3y)0.57%

ROA(5y)0.74%

ROE(3y)8.25%

ROE(5y)8.96%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/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

F-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.3
Debt/FCF	12.96
Debt/EBITDA	N/A
Cap/Depr	35.46%
Cap/Sales	4.15%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	105.14%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC18.91%

ROIC/WACCN/A

Cap/Depr(3y)36.31%

Cap/Depr(5y)58.89%

Cap/Sales(3y)3.31%

Cap/Sales(5y)4.13%

Profit Quality(3y)142.79%

Profit Quality(5y)126.13%

High Growth Momentum

Growth

EPS 1Y (TTM)-59.61%

EPS 3Y-12.94%

EPS 5Y-4.27%

EPS Q2Q%1566.67%

EPS Next Y-45.04%

EPS Next 2Y-12.69%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-10.56%

Revenue growth 3Y3.28%

Revenue growth 5Y5.72%

Sales Q2Q%13.68%

Revenue Next Year3.58%

Revenue Next 2Y5.65%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-81.67%

FCF growth 3Y-21.49%

FCF growth 5Y-3.2%

OCF growth 1Y-71.31%

OCF growth 3Y-16.82%

OCF growth 5Y-2.2%

FINWARD BANCORP (FNWD) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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