Finward Bancorp () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Affinity Bancshares, Inc.

First Capital, Inc.

BV Financial, Inc.

Western New England Bancorp, Inc.

First Northwest Bancorp (Washington)

Provident Financial Holdings, Inc.

Bogota Financial Corp.

Finward Bancorp

Riverview Bancorp, Inc.

ESSA Bancorp, Inc.

William Penn Bancorp

Why is Finward Bancorp ?

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

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

NET PROFIT(HY) At USD 2.61 MM has Grown at -72.34%
OPERATING CASH FLOW(Y) Lowest at USD 7.87 MM
DIVIDEND PAYOUT RATIO(Y) Lowest at 23.97%

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

Over the past year, while the stock has generated a return of 20.98%, its profits have fallen by -78.5%

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?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Finward Bancorp

27.24%

2.30

22.87%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

11.56%

EBIT Growth (5y)

-162.71%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

16.92%

Pledged Shares

Institutional Holding

36.10%

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

0.85

EV to EBIT

-42.93

EV to EBITDA

37.75

EV to Capital Employed

0.86

EV to Sales

1.61

PEG Ratio

Dividend Yield

ROCE (Latest)

-2.01%

ROE (Latest)

2.18%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

Mildly Bullish

OBV

No Trend

Bullish

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

13What is working for the Company

PRE-TAX PROFIT(Q)

At USD 2.12 MM has Grown at 1,479.1%

NII(Q)

Highest at USD 13.95 MM

NET SALES(Q)

Highest at USD 22.67 MM

OPERATING PROFIT(Q)

Highest at USD 2.12 MM

OPERATING PROFIT MARGIN(Q)

Highest at 9.33 %

NET PROFIT(Q)

Highest at USD 2.15 MM

EPS(Q)

Highest at USD 0.5

-12What is not working for the Company

NET PROFIT(HY)

At USD 2.61 MM has Grown at -72.34%

OPERATING CASH FLOW(Y)

Lowest at USD 7.87 MM

DIVIDEND PAYOUT RATIO(Y)

Lowest at 23.97%

Here's what is working for Finward Bancorp

Pre-Tax Profit

At USD 2.12 MM has Grown at 1,479.1%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 2.15 MM has Grown at 1,404.2%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

NII

Highest at USD 13.95 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Net Sales

Highest at USD 22.67 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 2.12 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 9.33 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Net Profit

Highest at USD 2.15 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.5

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

CASA

Highest at 11.3%

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 (%)

Here's what is not working for Finward Bancorp

Operating Cash Flow

Lowest at USD 7.87 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Dividend Payout Ratio

Lowest at 23.97%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)