Finward Bancorp

  • Market Cap: Micro Cap
  • Industry: Savings Banks
  • ISIN: US31812F1093
USD
39.47
1.42 (3.73%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

28.58 k

Shareholding (Mar 2025)

FII

0.52%

Held by 11 FIIs

DII

94.11%

Held by 6 DIIs

Promoter

0.00%

How big is Finward Bancorp?

22-Jun-2025

As of Jun 18, Finward Bancorp has a market capitalization of 123.41 million, with total assets of 2,067.71 million and shareholder's funds of 151.41 million.

Market Cap: As of Jun 18, Finward Bancorp has a market capitalization of 123.41 million, categorizing it as a Micro Cap company.<BR><BR>Recent Quarterly Performance: For the latest four quarters, Finward Bancorp reported a sum of interest earned of 89.53 million and a net profit of 3.31 million.<BR><BR>Balance Sheet Snapshot: As of Dec 24, the company reported shareholder's funds of 151.41 million and total assets of 2,067.71 million.

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What does Finward Bancorp do?

22-Jun-2025

Finward Bancorp is a micro-cap company in the savings banks industry, with a market cap of $123.41 million, net sales of $22 million, and a net profit of $0 as of March 2025. Key metrics include a P/E ratio of 39.00 and a return on equity of 2.18%.

Overview:<BR>Finward Bancorp operates in the savings banks industry and is classified as a micro-cap company.<BR><BR>Financial Snapshot:<BR>- Most recent Net Sales: 22 Million (Quarterly Results - Mar 2025)<BR>- Most recent Net Profit: 0 Million (Quarterly Results - Mar 2025)<BR>- Market-cap: USD 123.41 Million<BR><BR>Key Metrics:<BR>- P/E: 39.00<BR>- Dividend Yield: 0.00%<BR>- Debt Equity: 0.00<BR>- Return on Equity: 2.18%<BR>- Price to Book: 0.81<BR><BR>Contact Details:<BR>Details: No Company Details Available<BR>Registrar Address: Not available.

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Should I buy, sell or hold Finward Bancorp?

22-Jun-2025

Is Finward Bancorp technically bullish or bearish?

20-Sep-2025

As of September 11, 2025, Finward Bancorp's technical trend is bullish, supported by positive MACD and Bollinger Bands, despite mixed signals from KST and OBV, and it has outperformed the S&P 500 recently, though it has underperformed over the long term.

As of 11 September 2025, the technical trend for Finward Bancorp has changed from mildly bullish to bullish. The MACD is bullish on both weekly and monthly time frames, and Bollinger Bands also indicate a bullish stance on both time frames. Daily moving averages are bullish, supporting the overall positive outlook. However, the KST is bullish weekly but mildly bearish monthly, and the OBV shows a mildly bearish weekly trend with no trend monthly. <BR><BR>In terms of performance, Finward Bancorp has outperformed the S&P 500 over the past week and month, with returns of 2.02% and 10.09% respectively, while the S&P 500 returned 1.05% and 2.33%. However, over the longer term, the stock has underperformed the S&P 500 on a 1-year, 3-year, 5-year, and 10-year basis. Overall, the current technical stance is bullish, with a strong emphasis on the positive indicators from MACD and Bollinger Bands.

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Is Finward Bancorp overvalued or undervalued?

21-Oct-2025

As of October 17, 2025, Finward Bancorp is considered overvalued with a high P/E ratio of 39 compared to the peer average of 26.38, despite a year-to-date return of 15.12%, while its long-term performance has lagged behind the S&P 500.

As of 17 October 2025, the valuation grade for Finward Bancorp moved from very expensive to expensive. The company appears to be overvalued based on its current P/E ratio of 39, which is significantly higher than the peer average of 26.38, and its EV to EBITDA ratio of 37.75, indicating a premium valuation compared to peers like Western New England Bancorp, which has a P/E of 20.74, and ESSA Bancorp, which stands at 23.54. Additionally, the Price to Book Value of 0.85 suggests that the stock is priced below its book value, but the negative ROCE of -2.01% raises concerns about profitability.<BR><BR>In terms of recent performance, Finward Bancorp has shown a 15.12% return year-to-date, slightly outperforming the S&P 500's 13.30%. However, over longer periods, the stock has underperformed, with a 3-year return of -2.53% compared to the S&P 500's 81.19%. Overall, while there are some positive short-term returns, the valuation metrics suggest that Finward Bancorp is overvalued relative to its peers and the broader market.

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iScoreScore
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Strong Sell
Sell
Hold
Buy
Strong Buy

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Dashboard
1

With a Operating Losses, the company has a Weak Long Term Fundamental Strength

  • Poor long term growth as Net profit has grown by an annual rate of -17.75%
  • A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
2

The company has declared Negative results for the last 4 consecutive quarters

3

With ROA of 0.11%, it has a expensive valuation with a 0.85 Price to Book Value

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Savings Banks

stock-summary
Market cap

USD 140 Million (Micro Cap)

stock-summary
P/E

39.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

3.44%

stock-summary
Price to Book

0.91

Revenue and Profits:
Net Sales:
23 Million
(Quarterly Results - Jun 2025)
Net Profit:
2 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
25.28%
0%
25.28%
6 Months
34.89%
0%
34.89%
1 Year
27.24%
0%
27.24%
2 Years
85.31%
0%
85.31%
3 Years
18.17%
0%
18.17%
4 Years
-19.45%
0%
-19.45%
5 Years
8.88%
0%
8.88%

Finward Bancorp for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
11.56%
EBIT Growth (5y)
-162.71%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
16.92%
Pledged Shares
0
Institutional Holding
36.10%
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
39
Industry P/E
Price to Book Value
0.85
EV to EBIT
-42.93
EV to EBITDA
37.75
EV to Capital Employed
0.86
EV to Sales
1.61
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-2.01%
ROE (Latest)
2.18%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Bullish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 4 Schemes (5.38%)

Foreign Institutions

Held by 11 Foreign Institutions (0.52%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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    "btn_text": "All Quarterly Results",
    "alert": "No Quarterly Results declared by Finward Bancorp"
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "alert": "No Annual Results declared by Finward Bancorp"
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stock-summaryCompany CV
About Finward Bancorp stock-summary
stock-summary
Finward Bancorp
Savings Banks
No Details Available.
Company Coordinates stock-summary
Icon
No Company Details Available