Finward Bancorp

Finward Bancorp has a liquidity position that is characterized by a price-to-book ratio of 0.94 and a debt-to-equity ratio of 0.69, indicating a moderate level of leverage. The company's liquidity is assessed as medium, with a negative net cash position after subtracting total debt.

The company's profitability is reflected in a return on equity of 0.001 and a return on assets of 0.0001, which are significantly below the typical performance metrics for banks. These figures suggest that Finward Bancorp is not generating strong returns relative to its equity and asset base.

Finward Bancorp's revenue is not segmented by geographic or product lines in the available data, so the extent of its geographic exposure or product diversification cannot be determined from the provided information.

The company's growth trajectory is not clearly defined in the available data, as there are no specific numeric deltas or revenue history provided to indicate the direction of growth for the current or next fiscal year.

The risk assessment for Finward Bancorp indicates a medium liquidity risk and a low dilution risk. The company's capital structure includes a long-term debt of $102,973,000 and a total equity of $148,631,000, which suggests that the company is not currently facing significant dilution pressures.

There are no recent events or filings provided in the data that would indicate any significant changes or developments in the company's operations or financial status.

Revenue grew 17.1% year-over-year to $56.7 million, demonstrating strong top-line expansion despite broader economic headwinds.

The stock trades at 0.94x tangible book value, offering a discount to intrinsic value for value-oriented investors.

Analysts project 6.8% upside to a mean price target of $39.00, signaling modest near-term appreciation potential.

Equity grew 15.4% year-over-year to $174.7 million, indicating successful capital accumulation and balance sheet strengthening.

Cash conversion ranks best-in-class at 19.06, significantly outperforming the cohort median of 1.14.

Return on equity of 0.1% sits in the bottom quartile, drastically underperforming the cohort median of 6.3%.

Free cash flow declined 16.9% year-over-year to $11.9 million, reflecting weakening operational cash generation.

Total assets contracted 1.9% year-over-year, suggesting a shrinking balance sheet and potential business contraction.

Revenue $15.0M, +19,3% YoY; Net income −5,6% YoY.

• ▍Revenue $15.0M, +19,3% YoY
• ▍Net income −5,6% YoY
• ▍Free cash flow −12,4% YoY
• ▍Net margin 13.2%

Revenue $14.4M, +20,3% YoY; Net income +477,1% YoY.

• ▍Revenue $14.4M, +20,3% YoY
• ▍Net income +477,1% YoY
• ▍Free cash flow +155,9% YoY
• ▍Net margin 24.2%

Revenue $13.9M, +15,7% YoY; Net income +1 404,2% YoY.

• ▍Revenue $13.9M, +15,7% YoY
• ▍Net income +1 404,2% YoY
• ▍Free cash flow +1 346,3% YoY
• ▍Net margin 15.4%

Revenue $13.3M; Net margin 3.4%.

• ▍Revenue $13.3M
• ▍Net margin 3.4%

Revenue $12.6M; Net margin 16.7%.

• ▍Revenue $12.6M
• ▍Net margin 16.7%

Revenue $12.0M; Net margin 5.0%.

• ▍Revenue $12.0M
• ▍Net margin 5.0%

Revenue $12.1M; Net margin 1.2%.

• ▍Revenue $12.1M
• ▍Net margin 1.2%

Revenue $56.7M, +17,1% YoY; Net income −33,3% YoY.

• ▍Revenue $56.7M, +17,1% YoY
• ▍Net income −33,3% YoY
• ▍Free cash flow −16,9% YoY
• ▍Net margin 14.3%

Revenue $48.4M, −11,2% YoY; Net income +44,8% YoY.

• ▍Revenue $48.4M, −11,2% YoY
• ▍Net income +44,8% YoY
• ▍Free cash flow +57,6% YoY
• ▍Net margin 25.0%

Revenue $54.6M, −18,8% YoY; Net income −44,4% YoY.

• ▍Revenue $54.6M, −18,8% YoY
• ▍Net income −44,4% YoY
• ▍Free cash flow −37,5% YoY
• ▍Net margin 15.4%

Revenue $67.1M, +38,2% YoY; Net income +0,8% YoY.

• ▍Revenue $67.1M, +38,2% YoY
• ▍Net income +0,8% YoY
• ▍Free cash flow +10,8% YoY
• ▍Net margin 22.5%

Revenue $48.6M; Net margin 30.8%.

• ▍Revenue $48.6M
• ▍Net margin 30.8%