Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
FNWD
HOLDFinward Bancorp · Financial Services · United States · $193M · Avg Vol: $2M/d
COMPANY DESCRIPTION
Finward Bancorp is a bank holding company operating through its subsidiary Peoples Bank, providing comprehensive community banking services, including commercial and retail banking, mortgage lending, and wealth management. Serving Northwest Indiana and Northeast Illinois, the company builds a competitive moat through strong local relationships and personalized customer service, differentiating itself from larger regional banks. Its deep understanding of the local economy supports its stable market position.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 64.5M | 78.7M | 65.3M | 71.1M | 66.0M | 0.6% | 68.6M | 73.6M | 77.7M | 8.5% |
| EPS | 4.30 | 3.61 | 1.96 | 2.85 | 1.89 | -18.6% | 2.31 | 2.20 | 2.54 | 15.9% |
| Shares | 3.5M | 4.3M | 4.3M | 4.3M | 4.3M | +24.3% | 4.3M | — | — | — |
| Debt | 1.5B | 120.0M | 80.0M | 65.0M | 45.0M | -58.1% | 108.7M | — | — | — |
| Equity | 156.6M | 136.4M | 147.3M | 151.4M | 174.7M | 2.8% | — | — | — | — |
| Op CF | 17.0M | 17.7M | 24.2M | 9.8M | 9.9M | -12.7% | 17.3M | — | — | — |
| Inv CF | -125.9M | -1.1M | 15.0M | 42.8M | 94.9M | — | — | — | — | — |
| Fin CF | 122.1M | -18.5M | 15.5M | -68.0M | -55.7M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FNWD are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| FNWD | Finward Bancorp(you) | $193M | 55 | HOLD |
| HNVR | Hanover Bancorp, Inc. | $179M | 57 | HOLD |
| CZWI | Citizens Community Bancorp, Inc. | $227M | 54 | HOLD |
| EFSI | Eagle Financial Services, Inc. | $219M | 58 | HOLD |
| OVBC | Ohio Valley Banc Corp. | $199M | 48 | HOLD |
| MRBK | Meridian Corporation | $236M | 58 | HOLD |
| RBKB | Rhinebeck Bancorp, Inc. | $194M | 63 | HOLD |
| BCBP | BCB Bancorp, Inc. | $176M | 47 | HOLD |
| OVLY | Oak Valley Bancorp | $274M | 50 | HOLD |
| ECBK | ECB Bancorp, Inc. | $174M | 65 | HOLD |
Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%