profit from every $100 of sales.
$0$100
Finward Bancorp
$43.81+0.34% today
+23.9% in 1 year
1-year low $30.341-year high $45.28
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $23.46 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Finward Bancorp sold, what it kept, and what it did with the cash.
Sales went from $78.7 million in 2022 to $66.0 million in 2025, with $8.09 million of profit last year.
SalesProfit
Finward Bancorp handed back 17% of the cash it generated last year.
$2M
Free cash flow 2025$9M
Bought back its own shares–
Paid as dividends$2M
Cash vs. debt$120M vs. $45M
Finward Bancorp vs. similar companies
Finward Bancorp grows the slowest of these 5 and is the most expensive for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Finward Bancorp | 23.5× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Finward Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 79 | 65 | 71 | 66 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 15 | 8 | 12 | 8 | |
| 3.60 | 1.96 | 2.84 | 1.88 | |
| – | – | – | – | |
| – | – | – | – | |
| 19.2% | 12.8% | 17.1% | 12.2% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 2,070 | 2,108 | 2,061 | 2,021 |
| Cash | 34 | 86 | 70 | 120 |
| Total debt | 120 | 80 | 65 | 45 |
| Total liabilities | 1,934 | 1,961 | 1,909 | 1,847 |
| 136 | 147 | 151 | 175 | |
| 4 | 4 | 4 | 4 | |
| – | – | – | – | |
| 11.1% | 5.7% | 8.0% | 4.6% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 18 | 24 | 10 | 10 | |
| 3 | 1 | 3 | 1 | |
| 15 | 23 | 7 | 9 | |
| Dividends paid | 5 | 5 | 2 | 2 |
| – | – | – | – | |
| 1 | 1 | 1 | 0 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 23.5×
- 16.4×
- –
- 0.8×
- 2.9×
- 4.3%
- 1.1%
Profitability
- 12.2%
- 0.5%
- 5.1%
- 5.9%
- 0.5%
Growth
- −5.7%
- −19.5%
- −17.3%
- +5.3%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 19%of 852
Bottom 25%of 733
Bottom 22%of 863
Bottom 13%of 860
Bottom 42%of 920
What analysts expect
- Average price target
- $41.00
- Range
- $41.00 – $41.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 28, 2026 | 0.52 | 0.54 | −2.8% |
| Jan 27, 2026 | 0.46 | 0.61 | −24.6% |
| Oct 28, 2025 | 0.81 | 0.40 | +102.5% |
| Jul 29, 2025 | 0.50 | 0.26 | +92.3% |
| Apr 30, 2025 | 0.11 | 0.10 | +15.8% |
| Mar 31, 2025 | 0.49 | – | – |
| Oct 29, 2024 | 0.14 | 0.18 | −22.2% |
| Jul 24, 2024 | 0.03 | -0.09 | +133.3% |
1.1%of the share price, paid each year
On $1,000 invested$11a year at today's yield, before tax
−17.3%2020 to 2025
Raised–not every year
Paid per share, each year
$1.06 in 2015 → $0.48 in 2025
How safe it looks
19.3% of its profit
Room to growStretchedMore than it earns: 17.2%
News
Finward Bancorp GAAP EPS of $0.31 misses by $0.41, revenue of $18.59M misses by $0.81MSeeking Alpha · Oct 27, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
34No pass
Benjamin Graham
63Pass
Philip Fisher
36No pass
Peter Lynch
23No pass
Joel Greenblatt
10No pass
Charlie Munger
31No pass
Terry Smith
36No pass
Questions about Finward Bancorp
Is Finward Bancorp a good stock to buy?
A solid business at a fair price. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Finward Bancorp AI analysis
What does Finward Bancorp do?
Finward Bancorp operates as the holding company for Peoples Bank that provides various banking products and services. It is in Banks - Regional.
Does Finward Bancorp pay a dividend?
Yes. At today's price the dividend is 1.1% a year, about 19% of its yearly profit. In 2025 it paid out $1.56 million in dividends.
Is Finward Bancorp stock halal?
No. Finward Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Finward Bancorp stock done over the past year?
Up 23.9% over the past twelve months, to $43.81. It traded between $30.34 and $45.28 and is 3.2% below its high.
Who are Finward Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Finward Bancorp's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.