Finward Bancorp (FNWD)
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This stock currently matches 5 of our scanner strategies — each hit links to the scanner.
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 45.10 $ — 100% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/04/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AAQS
5/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 10.8%
- Exp. sales growth 3Y > 5% -11.0%
- EBIT growth 10Y > 5% -4.0%
- Exp. EBIT growth 3Y > 5% 28.9%
- Net debt < 4x EBIT -30.8x
- EBIT positive, 10Y straight 10
- Max. EBIT decline < 50% 57.0%
- Return on equity > 15% 5.4%
- ROCE > 15% 0.8%
- Expected return > 10% 34.7%
View all AAQS quality stocks · Read the methodology at AlleAktien
Source: fundamental data
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
6 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 6.6% failed
- More than 10% revenue growth is expected for the coming year 5.9% failed
- Share count grows by less than 3% a year 0.8% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") -0.7% failed
- Gross margin at 40% or higher and without meaningful erosion 65.6% passed
- Goodwill from acquisitions does not grow faster than revenue 1.1% passed
- Net debt below twice EBITDA 250 m net cash passed
- Operating cash flow covers the profits of the last three years 15 m passed
- Return on capital at 15% or higher, or up versus two years ago 0.8% failed
- Insiders hold at least 10% or are net buyers 21.8% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 15.7% below the current price.
- Consensus
- Sell
- Analyst Ratings
- 2
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 2.63 | 2.63 – 2.63 | 76 | 16.2% | 1 |
| 12/31/2027 | 3.13 | 3.13 – 3.13 | 80 | 19.0% | 1 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.49 | 39.00 | 26 | 5.30 | 8.00 | 11 | 11 |
| 2025: Q1 | 0.11 | -95.10 | 25 | -30.70 | 1.90 | -4 | -4 |
| 2025: Q2 | 0.50 | 1,404.20 | 25 | 2.60 | 8.50 | 5 | 5 |
| 2025: Q3 | 0.81 | 477.10 | 26 | 3.60 | 13.30 | 1 | 1 |
| 2025: Q4 | 0.46 | -5.60 | 25 | -5.50 | 8.00 | 8 | 7 |
| 2026: Q1 | 0.52 | 392.70 | 25 | 2.30 | 8.90 | 4 | 4 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 40 | 12 | 9 | 3.20 | 10 | 84 | 914 |
| 2017 | 41 | 12 | 9 | 3.13 | 12 | 92 | 927 |
| 2018 | 49 | 11 | 9 | 3.08 | 11 | 101 | 1,096 |
| 2019 | 63 | 14 | 12 | 3.53 | 11 | 134 | 1,329 |
| 2020 | 70 | 19 | 16 | 4.60 | 21 | 152 | 1,496 |
| 2021 | 67 | 16 | 15 | 4.30 | 17 | 157 | 1,621 |
| 2022 | 84 | 17 | 15 | 3.60 | 18 | 136 | 2,070 |
| 2023 | 97 | 8 | 8 | 1.96 | 24 | 147 | 2,108 |
| 2024 | 112 | 13 | 12 | 2.84 | 10 | 151 | 2,061 |
| 2025 | 101 | 8 | 8 | 1.88 | 10 | 175 | 2,021 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Finward Bancorp ist die Holdinggesellschaft der Peoples Bank, die verschiedene Bankprodukte und -dienstleistungen anbietet. Die Einlagenprodukte umfassen unverzinste und verzinste Sichteinlagenkonten, Sparkonten, Geldmarktkonten, Sparbriefkonten und Altersvorsorge…
| Employees | 296 |
|---|---|
| Headquarters | Munster, IN |
| Address | 9204 Columbia Avenue, 46321 Munster, United States |
| Phone | 219 836 4400 |
| Website | ibankpeoples.com |
| IPO Date | 17. Mar 1998 |
| ISIN | US31812F1093 |
| Stock Split | 2:1 on 03/22/1999 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Benjamin J. Bochnowski | President, CEO & Director | 1981 |
| Benjamin L. Schmitt | Executive VP, CFO & Treasurer | 1981 |
| Robert T. Lowry CPA | Executive VP & COO | 1962 |
| Todd M. Scheub | Executive President & Chief Revenue Officer | 1968 |
| David J. Kwait J.D., M.B.A. | Senior VP, General Counsel, Corporate Secretary, Compliance Officer & Chief Risk Officer | – |
| John J. Diederich | Executive Advisor | 1953 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: August 3, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.