Finward Bancorp (FNWD) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Finward Bancorp stock (FNWD) is currently trading at $36.67. Finward Bancorp PE ratio is 20.43. Finward Bancorp PS ratio (Price-to-Sales) is 2.51. Analyst consensus price target for FNWD is $38.50. WallStSmart rates FNWD as Sell.
- FNWD PE ratio analysis and historical PE chart
- FNWD PS ratio (Price-to-Sales) history and trend
- FNWD intrinsic value — DCF, Graham Number, EPV models
- FNWD stock price prediction 2025 2026 2027 2028 2029 2030
- FNWD fair value vs current price
- FNWD insider transactions and insider buying
- Is FNWD undervalued or overvalued?
- Finward Bancorp financial analysis — revenue, earnings, cash flow
- FNWD Piotroski F-Score and Altman Z-Score
- FNWD analyst price target and Smart Rating
Finward Bancorp
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FNWD Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Finward Bancorp (FNWD)
FNWD trades 201% above its Graham fair value of $12.78, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Finward Bancorp (FNWD) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/book. Concerns around market cap and return on equity. Mixed signals suggest waiting for clearer direction before acting.
Finward Bancorp (FNWD) Key Strengths (1)
Trading below book value, meaning the market prices it less than net assets
Supporting Valuation Data
Finward Bancorp (FNWD) Areas to Watch (9)
Revenue declining -1.90%, a shrinking business
Earnings declining -5.60%, profits shrinking
Very low returns on shareholder equity
Micro-cap company with very limited liquidity and high volatility
Thin operating margins with cost pressures present
Growth is fairly priced, not cheap, not expensive
Revenue is fairly priced at 2.51x sales
Decent profitability, keeps $12 per $100 revenue
Moderate institutional interest at 48.75%
Finward Bancorp (FNWD) Detailed Analysis Report
Overall Assessment
This company scores 44/100 in our Smart Analysis, earning a D grade. Out of 10 metrics analyzed, 1 register as strengths (avg 10.0/10) while 9 fall into concern territory (avg 3.6/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book. Valuation metrics including Price/Book (0.94) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, Return on Equity. Some valuation metrics including PEG Ratio (1.72), Price/Sales (2.51) suggest expensive pricing. Growth concerns include Revenue Growth at -1.90%, EPS Growth at -5.60%, which may limit upside. Profitability pressure is visible in Return on Equity at 4.96%, Operating Margin at 13.50%, Profit Margin at 12.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 4.96% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -1.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Revenue Growth and EPS Growth are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FNWD Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FNWD's Price-to-Sales ratio of 2.51x trades 18% below its historical average of 3.06x (35th percentile). The current valuation is 48% below its historical high of 4.81x set in Dec 2017, and 49% above its historical low of 1.68x in Jun 2011.
WallStSmart Analysis Synopsis
Data-driven financial summary for Finward Bancorp (FNWD) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Finward Bancorp faces headwinds with declining revenue, though profitability provides a cushion. Revenue reached 66M with 2% decline year-over-year. Profit margins of 12.2% are healthy, with room for further expansion as the business scales.
Key Findings
Generating 1M in free cash flow and 1M in operating cash flow. Earnings are translating into actual cash generation.
ROE of 5.0% suggests the company isn't efficiently converting equity into profits.
What to Watch Next
Margin expansion: can Finward Bancorp push profit margins above 15% as the business scales?
Debt management: total debt of 85M is significantly higher than cash (18M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Finward Bancorp.
Bottom Line
Finward Bancorp faces challenges with declining revenue. While profitability provides a buffer, the long-term trajectory needs to improve. Watch for management's strategic response and whether the company can stabilize or pivot to new growth drivers.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(7 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 10:00:46 AM
About Finward Bancorp(FNWD)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Finward Bancorp is the Peoples Bank holding company offering a variety of banking products and services. The company is headquartered in Munster, Indiana.