Finward Bancorp Statistics

Total Valuation

FNWD has a market cap or net worth of $106.85 million. The enterprise value is $166.21 million.

Market Cap	106.85M
Enterprise Value	166.21M

Important Dates

The next estimated earnings date is Friday, July 5, 2024, before market open.

Earnings Date	Jul 5, 2024
Ex-Dividend Date	Apr 22, 2024

Share Statistics

FNWD has 4.31 million shares outstanding. The number of shares has decreased by -0.11% in one year.

Shares Outstanding	4.31M
Shares Change (YoY)	-0.11%
Shares Change (QoQ)	-0.03%
Owned by Insiders (%)	13.34%
Owned by Institutions (%)	29.17%
Float	3.37M

Valuation Ratios

The trailing PE ratio is 6.87.

PE Ratio	6.87
Forward PE	n/a
PS Ratio	1.49
Forward PS	1.39
PB Ratio	0.70
P/FCF Ratio	2.88
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 7.06, with an EV/FCF ratio of 4.48.

EV / Earnings	10.78
EV / Sales	2.32
EV / EBITDA	7.06
EV / EBIT	10.56
EV / FCF	4.48

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	0.87
Debt / EBITDA	5.57
Debt / FCF	3.53
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.10% and return on invested capital (ROIC) is 5.45%.

Return on Equity (ROE)	11.10%
Return on Assets (ROA)	0.70%
Return on Capital (ROIC)	5.45%
Revenue Per Employee	$259,938
Profits Per Employee	$55,866
Employee Count	276
Asset Turnover	0.03
Inventory Turnover	n/a

Taxes

In the past 12 months, FNWD has paid $316,000 in taxes.

Income Tax	316,000
Effective Tax Rate	2.01%

Stock Price Statistics

The stock price has decreased by -5.51% in the last 52 weeks. The beta is 0.54, so FNWD's price volatility has been lower than the market average.

Beta (1Y)	0.54
52-Week Price Change	-5.51%
50-Day Moving Average	24.44
200-Day Moving Average	22.87
Relative Strength Index (RSI)	50.53
Average Volume (30 Days)	8,330

Short Selling Information

The latest short interest is 7,882, so 0.18% of the outstanding shares have been sold short.

Short Interest	7,882
Short Previous Month	6,222
Short % of Shares Out	0.18%
Short % of Float	0.23%
Short Ratio (days to cover)	3.66

Income Statement

In the last 12 months, FNWD had revenue of $71.74 million and earned $15.42 million in profits. Earnings per share was $3.61.

Revenue	71.74M
Gross Profit	71.74M
Operating Income	15.74M
Pretax Income	15.74M
Net Income	15.42M
EBITDA	23.53M
EBIT	15.74M
Earnings Per Share (EPS)	$3.61

Full Income Statement

Balance Sheet

The company has $71.78 million in cash and $131.14 million in debt, giving a net cash position of -$59.36 million or -$13.77 per share.

Cash & Cash Equivalents	71.78M
Total Debt	131.14M
Net Cash	-59.36M
Net Cash Per Share	-$13.77
Equity / Book Value	151.58M
Book Value Per Share	35.17
Working Capital	n/a

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $20.24 million and capital expenditures $16.89 million, giving a free cash flow of $37.12 million.

Operating Cash Flow	20.24M
Capital Expenditures	16.89M
Free Cash Flow	37.12M
FCF Per Share	$8.64

Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of 21.93% and 21.49%.

Gross Margin	100.00%
Operating Margin	21.93%
Pretax Margin	21.93%
Profit Margin	21.49%
EBITDA Margin	32.80%
EBIT Margin	21.93%
FCF Margin	51.74%

Dividends & Yields

This stock pays an annual dividend of $0.48, which amounts to a dividend yield of 1.94%.

Dividend Per Share	$0.48
Dividend Yield	1.94%
Dividend Growth (YoY)	-30.65%
Years of Dividend Growth	n/a
Payout Ratio	13.30%
Buyback Yield	0.11%
Shareholder Yield	2.05%
Earnings Yield	14.43%
FCF Yield	34.74%

Dividend Details

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Stock Splits

The last stock split was on March 22, 1999. It was a forward split with a ratio of 2:1.

Last Split Date	Mar 22, 1999
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	5