39.47 USD
-0.46 (-1.15%)
FNWD gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. Both the profitability and financial health of FNWD have multiple concerns. While showing a medium growth rate, FNWD is valued expensive at the moment.
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.
In the past 5 years FNWD has always been profitable.
FNWD had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
FNWD has a worse Return On Assets (0.26%) than 86.82% of its industry peers.
The Return On Equity of FNWD (3.44%) is worse than 83.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.26% | ||
| ROE | 3.44% | ||
| 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
With a Profit Margin value of 8.38%, FNWD is not doing good in the industry: 87.34% of the companies in the same industry are doing better.
FNWD's Profit Margin has declined in the last couple of years.
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) | 8.38% | ||
| 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
2. Health
2.1 Basic Checks
FNWD does not have a ROIC to compare to the WACC, probably because it is not profitable.
FNWD has more shares outstanding than it did 1 year ago.
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 7.06, which is on the high side as it means it would take FNWD, 7.06 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of FNWD (7.06) is worse than 74.94% of its industry peers.
A Debt/Equity ratio of 0.31 indicates that FNWD is not too dependend on debt financing.
FNWD has a Debt to Equity ratio of 0.31. This is in the lower half of the industry: FNWD underperforms 67.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 7.06 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.44%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for FNWD have decreased strongly by -29.00% in the last year.
Measured over the past years, FNWD shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.27% on average per year.
FNWD shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.87%.
The Revenue has been growing slightly by 5.72% on average over the past years.
EPS 1Y (TTM)-29%
EPS 3Y-12.94%
EPS 5Y-4.27%
EPS Q2Q%478.57%
Revenue 1Y (TTM)8.87%
Revenue growth 3Y3.28%
Revenue growth 5Y5.72%
Sales Q2Q%16.69%
3.2 Future
Based on estimates for the next years, FNWD will show a small growth in Earnings Per Share. The EPS will grow by 2.64% on average per year.
The Revenue is expected to grow by 6.12% on average over the next years.
EPS Next Y-37.47%
EPS Next 2Y-9.15%
EPS Next 3Y2.64%
EPS Next 5YN/A
Revenue Next Year3.58%
Revenue Next 2Y5.97%
Revenue Next 3Y6.12%
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 accelerating.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 20.66 indicates a rather expensive valuation of FNWD.
Compared to the rest of the industry, the Price/Earnings ratio of FNWD indicates a rather expensive valuation: FNWD more expensive than 81.14% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.41, FNWD is valued a bit cheaper.
The Price/Forward Earnings ratio is 16.90, which indicates a correct valuation of FNWD.
FNWD's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FNWD is more expensive than 76.74% of the companies in the same industry.
FNWD's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.66 | ||
| Fwd PE | 16.9 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FNWD indicates a slightly more expensive valuation: FNWD is more expensive than 73.90% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 24.95 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-9.15%
EPS Next 3Y2.64%
5. Dividend
5.1 Amount
FNWD has a Yearly Dividend Yield of 1.26%.
Compared to an average industry Dividend Yield of 3.15, FNWD is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.32, FNWD's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.26% |
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
29.34% of the earnings are spent on dividend by FNWD. This is a low number and sustainable payout ratio.
DP29.34%
EPS Next 2Y-9.15%
EPS Next 3Y2.64%
NASDAQ:FNWD (12/4/2025, 8:22:46 PM)
39.47
-0.46 (-1.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners41.17%
Inst Owner Change7.21%
Ins Owners13.64%
Ins Owner Change0.2%
Market Cap170.91M
Revenue(TTM)71.09M
Net Income(TTM)5.31M
Analysts82.5
Price Target34.68 (-12.14%)
Short Float %3.63%
Short Ratio4.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.26% |
Yearly Dividend0.48
Dividend Growth(5Y)-17.52%
DP29.34%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)56.8%
Min EPS beat(2)13.52%
Max EPS beat(2)100.08%
EPS beat(4)3
Avg EPS beat(4)59.05%
Min EPS beat(4)-23.75%
Max EPS beat(4)146.35%
EPS beat(8)5
Avg EPS beat(8)93.75%
EPS beat(12)5
Avg EPS beat(12)56.85%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-4.74%
Min Revenue beat(2)-6.23%
Max Revenue beat(2)-3.25%
Revenue beat(4)1
Avg Revenue beat(4)-3.31%
Min Revenue beat(4)-7.42%
Max Revenue beat(4)3.66%
Revenue beat(8)1
Avg Revenue beat(8)-6.55%
Revenue beat(12)1
Avg Revenue beat(12)-7.51%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)9.68%
PT rev (3m)9.68%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)13.77%
EPS NY rev (3m)13.77%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.66 | ||
| Fwd PE | 16.9 | ||
| P/S | 2.7 | ||
| P/FCF | 24.95 | ||
| P/OCF | 21.26 | ||
| P/B | 1.11 | ||
| P/tB | 1.31 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.91
EY4.84%
EPS(NY)2.34
Fwd EY5.92%
FCF(TTM)1.58
FCFY4.01%
OCF(TTM)1.86
OCFY4.7%
SpS14.64
BVpS35.62
TBVpS30.13
PEG (NY)N/A
PEG (5Y)N/A
Graham Number39.13
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.26% | ||
| ROE | 3.44% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 8.38% | ||
| GM | N/A | ||
| FCFM | 10.81% |
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
ROICexgc growth 3YN/A
ROICexgc 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 | 0.31 | ||
| Debt/FCF | 7.06 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 16.81% | ||
| Cap/Sales | 1.88% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 128.91% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC17.44%
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)-29%
EPS 3Y-12.94%
EPS 5Y-4.27%
EPS Q2Q%478.57%
EPS Next Y-37.47%
EPS Next 2Y-9.15%
EPS Next 3Y2.64%
EPS Next 5YN/A
Revenue 1Y (TTM)8.87%
Revenue growth 3Y3.28%
Revenue growth 5Y5.72%
Sales Q2Q%16.69%
Revenue Next Year3.58%
Revenue Next 2Y5.97%
Revenue Next 3Y6.12%
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-75.19%
FCF growth 3Y-21.49%
FCF growth 5Y-3.2%
OCF growth 1Y-72.29%
OCF growth 3Y-16.82%
OCF growth 5Y-2.2%
FINWARD BANCORP / FNWD FAQ
What is the fundamental rating for FNWD stock?
ChartMill assigns a fundamental rating of 2 / 10 to FNWD.
Can you provide the valuation status for FINWARD BANCORP?
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.
What is the expected EPS growth for FINWARD BANCORP (FNWD) stock?
The Earnings per Share (EPS) of FINWARD BANCORP (FNWD) is expected to decline by -37.47% in the next year.
How sustainable is the dividend of FINWARD BANCORP (FNWD) stock?
The dividend rating of FINWARD BANCORP (FNWD) is 3 / 10 and the dividend payout ratio is 29.34%.