Finward Bancorp (FNWD) Stock Price, News & Analysis

Company Overview

Finward Bancorp (NASDAQ:FNWD) is a bank holding company headquartered in Meridian, Mississippi. Through its banking subsidiary, the company provides a suite of financial services to individuals, small- and medium-sized businesses, and nonprofit organizations. With a network of branch offices across Mississippi, Alabama and the Florida Panhandle, Finward Bancorp emphasizes relationship banking, combining local decision-making with a broad portfolio of deposit and lending solutions.

Core services offered by Finward Bancorp include consumer and commercial lending, mortgage financing, and deposit products such as checking and savings accounts. The company also provides specialized treasury management and digital banking capabilities, enabling clients to manage cash flow, make electronic payments, and access account information online. Its commercial lending group focuses on term loans, lines of credit, and business real estate financing tailored to community enterprises.

In addition to traditional banking, Finward Bancorp supports wealth management and trust services through dedicated teams that offer financial planning, investment advisory, and fiduciary administration. These services are designed for high-net-worth individuals and families seeking guidance on estate planning, retirement strategies, and asset protection. The company also works closely with local municipalities and nonprofit organizations to deliver public fund banking and escrow services.

Founded in 1998 by a group of regional business leaders, Finward Bancorp has grown through a combination of organic expansion and strategic branch acquisitions. Its executive leadership team comprises veteran banking professionals with extensive experience in community development, risk management, and financial technology. Under their guidance, the company continues to invest in digital platforms, branch enhancements, and talent development to serve its growing customer base across the Southeastern United States.

Key Stats

• Today's Range: $28.12 to $28.60
• 50-Day Range: $27.22 to $30.92
• 52-Week Range: $24.54 to $33.50
• Volume: 11,871 shs
• Average Volume: 6,876 shs
• Market Capitalization: $121.93 million
• P/E Ratio: 36.57
• Dividend Yield: 1.70%
• Price Target: $32.50
• Consensus Rating: Moderate Buy

Finward Bancorp Stock Analysis - MarketRank™

Finward Bancorp scored higher than 32% of companies evaluated by MarketBeat, and ranked 749th out of 901 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Finward Bancorp has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 buy rating, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Finward Bancorp has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 0.6 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Finward Bancorp is 36.57, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 25.69.

Price to Earnings Ratio vs. Sector

The P/E ratio of Finward Bancorp is 36.57, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.96.

Price to Book Value per Share Ratio

Finward Bancorp has a P/B Ratio of 0.80. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.74% of the float of Finward Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Finward Bancorp has a short interest ratio ("days to cover") of 3.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Finward Bancorp has recently increased by 51.10%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Finward Bancorp pays a meaningful dividend of 1.70%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Finward Bancorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Finward Bancorp is 62.34%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.74% of the float of Finward Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Finward Bancorp has a short interest ratio ("days to cover") of 3.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Finward Bancorp has recently increased by 51.10%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: N/A

Search Interest

1 people have searched for FNWD on MarketBeat in the last 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Finward Bancorp insiders have bought 145.91% more of their company's stock than they have sold. Specifically, they have bought $28,513.00 in company stock and sold $11,595.00 in company stock.

Percentage Held by Insiders

Only 5.17% of the stock of Finward Bancorp is held by insiders.

Percentage Held by Institutions

Only 26.59% of the stock of Finward Bancorp is held by institutions.

FNWD Stock Analysis - Frequently Asked Questions

How have FNWD shares performed this year?

Finward Bancorp's stock was trading at $28.11 at the start of the year. Since then, FNWD stock has increased by 0.2% and is now trading at $28.16.

How were Finward Bancorp's earnings last quarter?

Finward Bancorp (NASDAQ:FNWD) released its quarterly earnings data on Wednesday, April, 30th. The company reported $0.11 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.10 by $0.02. The company had revenue of $15.54 million for the quarter, compared to the consensus estimate of $16.25 million. Finward Bancorp had a trailing twelve-month return on equity of 2.16% and a net margin of 3.28%.

How do I buy shares of Finward Bancorp?

Shares of FNWD stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Finward Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Finward Bancorp investors own include Adverum Biotechnologies (ADVM), APi Group (APG), Avino Silver & Gold Mines (ASM), Boot Barn (BOOT), G1 Therapeutics (GTHX), Howard Hughes (HHH) and KT (KT).

Company Calendar

• Record date for 5/12 Dividend: 4/28/2025
• Ex-Dividend for 5/12 Dividend: 4/28/2025
• Last Earnings: 4/30/2025
• Dividend Payable: 5/12/2025
• Today: 7/07/2025
• Next Earnings (Estimated): 7/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - MISC SVCS
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FNWD
• CIK: 919864
• Web: www.ibankpeoples.com
• Phone: (219) 836-4400
• Fax: N/A
• Employees: 280
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $32.50
• High Stock Price Target: $34.00
• Low Stock Price Target: $31.00
• Potential Upside/Downside: +15.1%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.77
• Trailing P/E Ratio: 36.66
• Forward P/E Ratio: 31.37
• P/E Growth: N/A
• Net Income: $12.13 million
• Net Margins: 3.28%
• Pretax Margin: 3.78%
• Return on Equity: 2.16%
• Return on Assets: 0.16%

Debt

• Debt-to-Equity Ratio: 0.37
• Current Ratio: 0.85
• Quick Ratio: 0.85

Sales & Book Value

• Annual Sales: $111.82 million
• Price / Sales: 1.09
• Cash Flow: $4.50 per share
• Price / Cash Flow: 6.27
• Book Value: $35.10 per share
• Price / Book: 0.80

Miscellaneous

• Outstanding Shares: 4,330,000
• Free Float: 4,102,000
• Market Cap: $122.24 million
• Optionable: Not Optionable
• Beta: 0.25