Finward Bancorp Valuation
| FNWD Stock | USD 28.68 0.41 1.41% |
At this time, the firm appears to be overvalued. Finward Bancorp shows a prevailing Real Value of $24.03 per share. The current price of the firm is $28.68. Our model computes the value of Finward Bancorp from reviewing the firm fundamentals such as Shares Outstanding of 4.31 M, profit margin of 0.17 %, and Current Valuation of 160.02 M as well as analyzing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Finward Bancorp's valuation include:
Price Book 0.7865 | Enterprise Value | Price Sales 1.7527 | Trailing PE 10.7343 | Enterprise Value Revenue 1.7874 |
Overvalued
Today
Please note that Finward Bancorp's price fluctuation is very steady at this time. Calculation of the real value of Finward Bancorp is based on 3 months time horizon. Increasing Finward Bancorp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Finward stock is determined by what a typical buyer is willing to pay for full or partial control of Finward Bancorp. Since Finward Bancorp is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Finward Stock. However, Finward Bancorp's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 28.68 | Real 24.03 | Target 33.5 | Hype 29.09 | Naive 29.93 |
The real value of Finward Stock, also known as its intrinsic value, is the underlying worth of Finward Bancorp Company, which is reflected in its stock price. It is based on Finward Bancorp's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of Finward Bancorp's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of Finward Bancorp helps investors to forecast how Finward stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Finward Bancorp more accurately as focusing exclusively on Finward Bancorp's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Finward Bancorp's intrinsic value based on its ongoing forecasts of Finward Bancorp's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Finward Bancorp's closest peers. If more than one evaluation category is relevant for Finward Bancorp we suggest using both methods to arrive at a better estimate.
Finward Bancorp Cash |
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Finward Valuation Trend
Comparing Finward Bancorp's enterprise value against its market capitalization is a good way to estimate the value of Finward Bancorp uage its performance over time. This information may sometimes be enough for investors to make reasonable market timing decisions.
Finward Bancorp Total Value Analysis
Finward Bancorp is currently anticipated to have valuation of 160.02 M with market capitalization of 125.49 M, debt of 80 M, and cash on hands of 40.51 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Finward Bancorp fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
160.02 M | 125.49 M | 80 M | 40.51 M |
Finward Bancorp Investor Information
About 22.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 0.79. Some equities with similar Price to Book (P/B) outperform the market in the long run. Finward Bancorp last dividend was issued on the 21st of January 2025. The entity had 2:1 split on the 22nd of March 1999. Based on the analysis of Finward Bancorp's profitability, liquidity, and operating efficiency, Finward Bancorp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in April.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Operating Profit Margin | 0.25 | 0.27 |
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| Total Cash From Operating Activities | 26.5 M | 25.2 M |
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| Operating Income | 13 M | 13.7 M |
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Finward Bancorp Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of Finward indicates not a very effective usage of assets in March.Finward Bancorp Ownership Allocation
The market capitalization of Finward Bancorp is $125.49 Million. Finward Bancorp retains significant amount of outstanding shares owned by insiders. An insider is usually defined as a CEO, other corporate executive, director, or institutional investor who own at least 10% of the company's outstanding shares. Please take into account that even companies with profitable outlook can generate negative future returns on their equity. If the true value of the firm is less than the current market value, you may not be able generate positive returns on investment in the long run.Finward Bancorp Profitability Analysis
The company reported the previous year's revenue of 65.3 M. Net Income was 8.38 M with profit before overhead, payroll, taxes, and interest of 71.6 M.Finward Bancorp Past Distributions to stockholders
| 3rd of February 2025 | ||
| 31st of October 2024 | ||
| 1st of August 2024 | ||
| 6th of May 2024 | ||
| 23rd of April 2024 | ||
| 5th of February 2024 | ||
| 5th of October 2023 | ||
| 6th of July 2023 | ||
| 6th of April 2023 |
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates Finward Bancorp's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in Finward Bancorp and how it compares across the competition.
About Finward Bancorp Valuation
The stock valuation mechanism determines Finward Bancorp's current worth on a weekly basis. Our valuation model uses a comparative analysis of Finward Bancorp. We calculate exposure to Finward Bancorp's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Finward Bancorp's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 111 M | 116.6 M | |
| Pretax Profit Margin | 0.14 | 0.13 | |
| Operating Profit Margin | 0.27 | 0.25 | |
| Net Profit Margin | 0.15 | 0.14 | |
| Gross Profit Margin | 1.33 | 1.18 |
Finward Bancorp Quarterly Retained Earnings |
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A single share of Finward Bancorp represents a small ownership stake in the entity. As a stockholder of Finward, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Finward Bancorp Dividends Analysis For Valuation
The current year's Dividends Paid is expected to grow to about (4.6 M). In addition to that, Dividend Yield is expected to decline to 0.04. The current year's Retained Earnings is expected to grow to about 156.3 M, whereas Retained Earnings Total Equity is forecasted to decline to about 90 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | -4.8 M | -4.6 M | |
| Dividend Yield | 0.06 | 0.04 | |
| Dividend Payout Ratio | 0.73 | 0.55 | |
| Dividend Paid And Capex Coverage Ratio | 3.04 | 1.66 |
There are various types of dividends Finward Bancorp can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Finward shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Finward Bancorp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Finward pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Finward Bancorp by the value of the dividends paid out.
Finward Bancorp Growth Indicators
Investing in growth stocks can be very risky. If the company such as Finward Bancorp does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 4.3 M | |
| Quarterly Earnings Growth Y O Y | 0.381 |
Finward Bancorp Current Valuation Indicators
Valuation refers to the process of determining the present value of Finward Bancorp and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Finward we look at many different elements of the entity such as Finward's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Finward Bancorp, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Finward Bancorp's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Finward Bancorp's worth.Complementary Tools for Finward Stock analysis
When running Finward Bancorp's price analysis, check to measure Finward Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Finward Bancorp is operating at the current time. Most of Finward Bancorp's value examination focuses on studying past and present price action to predict the probability of Finward Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Finward Bancorp's price. Additionally, you may evaluate how the addition of Finward Bancorp to your portfolios can decrease your overall portfolio volatility.
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