Finward Bancorp
NASDAQ Capital MarketTotal Valuation
Finward Bancorp carries a market capitalization of 141.24M, placing it among publicly traded companies globally. Its enterprise value stands at 85.87M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 141.24M |
| Enterprise Value | 85.87M |
Share Statistics
Finward Bancorp currently has 4.33M shares outstanding.
| Shares Outstanding | 4.33M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Finward Bancorp trades at a trailing price-to-earnings ratio of 15.74. The price-to-sales ratio is 2.29, and the price-to-book ratio stands at 1.05.
| PE Ratio | 15.74 |
| PS Ratio | 2.29 |
| PB Ratio | 1.05 |
| P/TBV Ratio | 1.04 |
| P/FCF Ratio | 8.60 |
| P/OCF Ratio | 8.96 |
Enterprise Valuation
On an enterprise value basis, Finward Bancorp trades at an EV/EBITDA multiple of 14.51 and an EV/FCF ratio of 4.73.
| EV / Sales | 1.26 |
| EV / EBITDA | 14.51 |
| EV / EBIT | N/A |
| EV / FCF | 4.73 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 29.00 |
| Debt / EBITDA | 8.45 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 6.87 |
| Return on Assets (ROA) | 0.49 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Finward Bancorp has paid 285,000.00 in income taxes, reflecting an effective tax rate of 2.81.
| Income Tax | 285,000.00 |
| Effective Tax Rate | 2.81 |
Stock Price Statistics
Finward Bancorp's stock has gained approximately 11.48325% over the past 52 weeks. The 50-day moving average sits at 33.65, while the 200-day moving average is 34.62.
| Beta (5Y) | N/A |
| 52-Week Price Change | 11.48325% |
| 50-Day Moving Average | 33.65 |
| 200-Day Moving Average | 34.62 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Finward Bancorp generated 67.99M in revenue and converted that into 9.87M in net income, yielding earnings per share of 2.30.
| Revenue | 67.99M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 10.16M |
| Net Income | 9.87M |
| EBITDA | 5.92M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 2.30 |
Balance Sheet
Finward Bancorp holds 119.54M in cash and equivalents against 50.00M in total debt, resulting in a net debt position of -68.75M.
| Cash & Cash Equivalents | 119.54M |
| Total Debt | 50.00M |
| Net Debt | -68.75M |
| Equity (Book Value) | 147.72M |
| Book Value Per Share | 34.50 |
| Working Capital | N/A |
Cash Flow
Finward Bancorp produced 17.35M in operating cash flow over the past twelve months. After subtracting -805,000.00 in capital expenditures, free cash flow totaled 16.54M - equivalent to 3.86 per share.
| Operating Cash Flow | 17.35M |
| Capital Expenditures | -805,000.00 |
| Free Cash Flow | 16.54M |
| FCF Per Share | 3.86 |
Margins
Finward Bancorp operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 14.94 |
| Profit Margin | 14.52 |
| EBITDA Margin | 8.70 |
Dividends & Yields
The company's payout ratio of 15.79 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 0.36 |
| Dividend Yield | N/A |
| Payout Ratio | 15.79 |
| Shareholder Yield | 28.30 |
| FCF Yield | 11.63 |
Stock Splits
Finward Bancorp's most recent stock split took place on March 22, 1999 with a 1:2 split ratio.
| Last Split Date | 3/22/1999 |
| Split Ratio | 1:2 |
Scores
Finward Bancorp posts an Altman Z-Score of 0.19, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.19 |