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FINWARD BANCORP (FNWD) Stock Fundamental Analysis

NASDAQ:FNWD - Nasdaq - US31812F1093 - Common Stock - Currency: USD

27  +0.01 (+0.04%)

Fundamental Rating

2

FNWD gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 404 industry peers in the Banks industry. FNWD may be in some trouble as it scores bad on both profitability and health. FNWD is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year FNWD was profitable.
In the past year FNWD had a positive cash flow from operations.
Each year in the past 5 years FNWD has been profitable.
FNWD had a positive operating cash flow in 4 of the past 5 years.
FNWD Yearly Net Income VS EBIT VS OCF VS FCFFNWD Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

1.2 Ratios

With a Return On Assets value of 0.56%, FNWD is not doing good in the industry: 68.86% of the companies in the same industry are doing better.
FNWD has a Return On Equity (7.23%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.56%
ROE 7.23%
ROIC N/A
ROA(3y)0.57%
ROA(5y)0.74%
ROE(3y)8.25%
ROE(5y)8.96%
ROIC(3y)N/A
ROIC(5y)N/A
FNWD Yearly ROA, ROE, ROICFNWD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With a Profit Margin value of 16.44%, FNWD is not doing good in the industry: 72.66% of the companies in the same industry are doing better.
FNWD's Profit Margin has declined in the last couple of years.
FNWD does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 16.44%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.71%
PM growth 5Y-5.36%
GM growth 3YN/A
GM growth 5YN/A
FNWD Yearly Profit, Operating, Gross MarginsFNWD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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1

2. Health

2.1 Basic Checks

FNWD does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FNWD has more shares outstanding
Compared to 5 years ago, FNWD has more shares outstanding
The debt/assets ratio for FNWD has been reduced compared to a year ago.
FNWD Yearly Shares OutstandingFNWD Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M
FNWD Yearly Total Debt VS Total AssetsFNWD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

FNWD has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.27, FNWD is doing worse than 61.27% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC13.88%
FNWD Yearly LT Debt VS Equity VS FCFFNWD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FNWD Yearly Current Assets VS Current LiabilitesFNWD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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4

3. Growth

3.1 Past

FNWD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 45.13%, which is quite impressive.
FNWD shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.26% yearly.
Looking at the last year, FNWD shows a quite strong growth in Revenue. The Revenue has grown by 8.86% in the last year.
Measured over the past years, FNWD shows a small growth in Revenue. The Revenue has been growing by 5.72% on average per year.
EPS 1Y (TTM)45.13%
EPS 3Y-12.91%
EPS 5Y-4.26%
EPS Q2Q%40%
Revenue 1Y (TTM)8.86%
Revenue growth 3Y3.28%
Revenue growth 5Y5.72%
Sales Q2Q%9.5%

3.2 Future

FNWD is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -18.56% yearly.
The Revenue is expected to grow by 4.94% on average over the next years.
EPS Next Y-59.99%
EPS Next 2Y-18.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.24%
Revenue Next 2Y4.94%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
FNWD Yearly Revenue VS EstimatesFNWD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M
FNWD Yearly EPS VS EstimatesFNWD Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.54, which indicates a very decent valuation of FNWD.
Based on the Price/Earnings ratio, FNWD is valued cheaper than 86.58% of the companies in the same industry.
FNWD is valuated cheaply when we compare the Price/Earnings ratio to 29.98, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 23.85, the valuation of FNWD can be described as rather expensive.
Based on the Price/Forward Earnings ratio, FNWD is valued a bit more expensive than 78.23% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of FNWD to the average of the S&P500 Index (22.66), we can say FNWD is valued inline with the index average.
Industry RankSector Rank
PE 9.54
Fwd PE 23.85
FNWD Price Earnings VS Forward Price EarningsFNWD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
FNWD Per share dataFNWD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

A cheap valuation may be justified as FNWD's earnings are expected to decrease with -18.56% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-18.56%
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

FNWD has a Yearly Dividend Yield of 1.80%.
FNWD's Dividend Yield is slightly below the industry average, which is at 3.25.
FNWD's Dividend Yield is slightly below the S&P500 average, which is at 2.30.
Industry RankSector Rank
Dividend Yield 1.8%

5.2 History

The dividend of FNWD has a limited annual growth rate of 1.31%.
FNWD has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)1.31%
Div Incr Years0
Div Non Decr Years0
FNWD Yearly Dividends per shareFNWD Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

FNWD pays out 25.02% of its income as dividend. This is a sustainable payout ratio.
DP25.02%
EPS Next 2Y-18.56%
EPS Next 3YN/A
FNWD Yearly Income VS Free CF VS DividendFNWD Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
FNWD Dividend Payout.FNWD Dividend Payout, showing the Payout Ratio.FNWD Dividend Payout.PayoutRetained Earnings

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FINWARD BANCORP

NASDAQ:FNWD (3/3/2025, 11:42:16 AM)

27

+0.01 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30 2025-01-30/bmo
Earnings (Next)04-22 2025-04-22/amc
Inst Owners36.16%
Inst Owner Change728.02%
Ins Owners13.9%
Ins Owner Change0.67%
Market Cap116.37M
Analysts85
Price Target32.13 (19%)
Short Float %0.19%
Short Ratio1.69
Dividend
Industry RankSector Rank
Dividend Yield 1.8%
Yearly Dividend1.24
Dividend Growth(5Y)1.31%
DP25.02%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-21 2025-01-21 (0.12)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)54.47%
Min EPS beat(2)-23.75%
Max EPS beat(2)132.68%
EPS beat(4)2
Avg EPS beat(4)122.52%
Min EPS beat(4)-25.4%
Max EPS beat(4)406.54%
EPS beat(8)2
Avg EPS beat(8)54.35%
EPS beat(12)2
Avg EPS beat(12)30.98%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-6.85%
Min Revenue beat(2)-7.42%
Max Revenue beat(2)-6.27%
Revenue beat(4)0
Avg Revenue beat(4)-8.21%
Min Revenue beat(4)-10.94%
Max Revenue beat(4)-6.27%
Revenue beat(8)0
Avg Revenue beat(8)-9.47%
Revenue beat(12)0
Avg Revenue beat(12)-8.55%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-5.97%
PT rev (3m)-8.7%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.41%
EPS NY rev (1m)7.25%
EPS NY rev (3m)0.91%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.31%
Revenue NY rev (1m)1.33%
Revenue NY rev (3m)0.88%
Valuation
Industry RankSector Rank
PE 9.54
Fwd PE 23.85
P/S 1.66
P/FCF N/A
P/OCF 138.7
P/B 0.73
P/tB 0.86
EV/EBITDA N/A
EPS(TTM)2.83
EY10.48%
EPS(NY)1.13
Fwd EY4.19%
FCF(TTM)-0.55
FCFYN/A
OCF(TTM)0.19
OCFY0.72%
SpS16.29
BVpS37.02
TBVpS31.31
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.56%
ROE 7.23%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 16.44%
GM N/A
FCFM N/A
ROA(3y)0.57%
ROA(5y)0.74%
ROE(3y)8.25%
ROE(5y)8.96%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.71%
PM growth 5Y-5.36%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 42.21%
Cap/Sales 4.58%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC13.88%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)45.13%
EPS 3Y-12.91%
EPS 5Y-4.26%
EPS Q2Q%40%
EPS Next Y-59.99%
EPS Next 2Y-18.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.86%
Revenue growth 3Y3.28%
Revenue growth 5Y5.72%
Sales Q2Q%9.5%
Revenue Next Year2.24%
Revenue Next 2Y4.94%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-108.69%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-97.06%
OCF growth 3YN/A
OCF growth 5YN/A