FNWD logo

FINWARD BANCORP

FNWDNASDAQ
πŸ† #3777 by market capUS Equity
$687.88β–² $45.74 (+6.65%)
Simulated price
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🏦Market Cap
$183M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+28.3%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
11.7%
Healthy
βš–οΈP/S Ratio
1.3x
Cheap
Otter Score
76
Good
No chart data available for FNWD.

Trading Snapshot

Day Range
$681.38 – $695.55
52-Week Range
$30.05 – $45.90
Volume
$3.52B
Avg Volume
$2.48B
Shares Outstanding
4.3M
Next Earnings
Nov 6, 2026

Fundamentals Snapshot

Annual Revenue
$141M
Last Q Revenue
$39M
P/E Ratio
18.6
P/S Ratio
1.3x
EPS (TTM)
$2.28
Dividend Yield
1.14%
Dilution (1yr)
βˆ’0.3%

Why Investors Own FNWD

  • βœ“High-growth profile β€” revenue up +39.7% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 40% gross margin and 23% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

FNWD logo

FINWARD BANCORP

FNWD
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$101Mβ–Ό βˆ’9.6% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
65.6%β–² +2.4% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$8Mβ–Ό βˆ’39.7% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$9Mβ–² +34.4% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
4.3Mβ–Ό βˆ’0.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$66Mβ–Ό βˆ’$31M YoY
StockOtter Β· stockotter.space

About FINWARD BANCORP

Finward Bancorp serves as the parent entity for Peoples Bank, a financial institution offering a comprehensive suite of banking products and services. Its deposit offerings include various checking accounts, both with and without interest, alongside savings accounts, money market deposit accounts, certificates of deposit, and specialized retirement savings plans. The company's lending activities are diverse, encompassing residential mortgage loans for purchasing, refinancing, or building homes; construction loans provided to individuals and contractors; commercial real estate financing; personal consumer loans for household or family expenditures; home equity lines of credit; home improvement and equity-backed loans; commercial business loans; government-backed loans; and funding for municipalities. Beyond traditional banking, Finward Bancorp delivers a range of wealth management and fiduciary services. These comprise estate and retirement planning, guardianship administration, land trusts, profit-sharing and 401(k) retirement plans, IRA and Keogh accounts, and investment agency accounts. The company also acts as a personal representative for estates and functions as a trustee for both revocable and irrevocable trusts. Additionally, it provides insurance and annuity investment options to its wealth management clients, manages a portfolio of real estate properties, and operates as a real estate investment trust. As of March 2, 2022, the company operated 30 branches situated in Lake and Porter counties in Northwest Indiana, extending into the South Chicagoland area. Originally incorporated in 1994 as NorthWest Indiana Bancorp, the company adopted its current name, Finward Bancorp, in May 2021. Its corporate headquarters are located in Munster, Indiana.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
76/100

Analyst Price Target

β“˜
Average Target
$913.42
β–² +32.8% Upside
High Target$1,135.20
Low Target$745.52
Based on 31 analysts

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