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Finward

NAQ:FNWD · US31812F1093
BanksX-Small

360

52
Profit price34
Cash yield49
Price/Sales94
EV / Gross Profit67
Price/Book94
Returns on capital73
Profit margins—
Cash Conversion70
Accruals90
Owner Earnings Margin45
Sales growth63
Profit Growth1
Owner Earnings Growth72
Reinvestment43
Price momentum17
Debt load40
Debt serviceability91
Liquidity9
Analyst ratings72
Opinion Changes50
Price Target Upside64
Market mood1
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Finward clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQCM
Founded1994
Websiteinvestorrelations.ibankpeoples.com/corporate-profile/default.aspx
ISINUS31812F1093
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)
Themes
BankingFinancial Services

Description

Finward Bancorp operates as the holding company for Peoples Bank that provides various banking products and services. The bank is primarily engaged in the business of attracting deposits from the general public and the origination of loans, mostly u…

Analysis

Middle-of-the-road

Finward Bancorp is a middle-of-the-road business: neither the economics nor the price stand out from the peer group.

The price is attractive. You pay 9.8× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is solid and the balance sheet is adequate. The company scores 10/20 on our value-creation score: creating some value.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
26
2023202420252026

All-time high

91

Jan 2023

All-time low

1

Jan 2025

Average rank

30

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
94
95
97
82
Price/Earnings
40
1
5
93
Price/Book
94
89
73
84
Dividend Yield
49
14
90
71
Value (overall)
85
41
74
99

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →