Finward Bancorp

Market Cap: Micro Cap
Industry: Savings Banks
ISIN: US31812F1093

USD

44.46

-0.81 (-1.79%)

Aug 06

NAS

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

First Capital, Inc.

Western New England Bancorp, Inc.

Affinity Bancshares, Inc.

First Northwest Bancorp (Washington)

BV Financial, Inc.

Bogota Financial Corp.

Finward Bancorp

ESSA Bancorp, Inc.

Provident Financial Holdings, Inc.

Riverview Bancorp, Inc.

William Penn Bancorp

Why is Finward Bancorp ?

Weak Long Term Fundamental Strength with Tier 1 Capital Adeqacy Ratio of 11.24%

Poor long term growth as Net profit has grown by an annual rate of -13.39%
A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans

With ROA of 0.23%, it has a fair valuation with a 0.87 Price to Book Value

Over the past year, while the stock has generated a return of 61.56%, its profits have fallen by -33.3%

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Finward Bancorp for you?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

Finward Bancorp

61.56%

2.29

36.02%

S&P 500

21.51%

1.63

13.19%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

12.19%

EBIT Growth (5y)

-22.39%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

19.11%

Pledged Shares

Institutional Holding

50.66%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.87

EV to EBIT

56.33

EV to EBITDA

13.32

EV to Capital Employed

0.83

EV to Sales

1.18

PEG Ratio

Dividend Yield

ROCE (Latest)

1.48%

ROE (Latest)

4.63%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

Mildly Bearish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

15What is working for the Company

PRE-TAX PROFIT(Q)

At USD 2.67 MM has Grown at 332.63%

NET PROFIT(Q)

At USD 2.24 MM has Grown at 392.75%

NII(Q)

Highest at USD 15.07 MM

0What is not working for the Company

NO KEY NEGATIVE TRIGGERS

Here's what is working for Finward Bancorp

Pre-Tax Profit

At USD 2.67 MM has Grown at 332.63%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 2.24 MM has Grown at 392.75%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

NII

Highest at USD 15.07 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

CASA

Highest at 12.03%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)