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

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Bogota Financial Corp.

BV Financial, Inc.

Affinity Bancshares, Inc.

Western New England Bancorp, Inc.

First Capital, Inc.

Provident Financial Holdings, Inc.

ESSA Bancorp, Inc.

Riverview Bancorp, Inc.

Finward Bancorp

First Northwest Bancorp (Washington)

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

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

OPERATING CASH FLOW(Y) Lowest at USD 2.16 MM
GROSS NPA (%)(Q) Highest at 0.95%
PRE-TAX PROFIT(Q) Fallen at -31.94%

With ROA of 0.27%, it has a expensive valuation with a 0.94 Price to Book Value

Over the past year, while the stock has generated a return of 30.70%, 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?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Finward Bancorp

30.7%

2.29

25.14%

S&P 500

14.9%

0.77

19.29%

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)

-20.30%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

19.15%

Pledged Shares

Institutional Holding

47.73%

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

0.94

EV to EBIT

35.50

EV to EBITDA

14.99

EV to Capital Employed

0.92

EV to Sales

1.32

PEG Ratio

Dividend Yield

ROCE (Latest)

2.59%

ROE (Latest)

4.63%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bearish

No Trend

OBV

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

NII(Q)

Highest at USD 15.04 MM

NET PROFIT(HY)

Higher at USD 5.48 MM

NET SALES(Q)

Highest at USD 23.41 MM

-6What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 2.16 MM

GROSS NPA (%)

PRE-TAX PROFIT(Q)

Fallen at -31.94%

Here's what is working for Finward Bancorp

NII

Highest at USD 15.04 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Profit

At USD 5.48 MM has Grown at 102.4%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Net Profit

Higher at USD 5.48 MM

than preceding 12 month period ended Dec 2025

MOJO Watch

In the half year the company has already crossed Net Profit of the previous twelve months

Net Profit (USD MM)

Net Sales

Highest at USD 23.41 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

CASA

Highest at 11.86%

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 2.16 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)

Non Performing Loans (%)

Highest at 0.95%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Pre-Tax Profit

Fallen at -31.94%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)