Finward Bancorp (FNWD) Stock Price, News & Analysis

Company Overview

Finward Bancorp (NASDAQ: FNWD) is the bank holding company for Finward Bank, a community-focused financial institution serving businesses and individuals across Pennsylvania and Delaware. Through a network of full-service branches and a robust digital banking platform, Finward Bank delivers a range of personal and commercial banking solutions designed to meet the needs of local customers.

The company’s core offerings include deposit products such as checking accounts, savings accounts and time deposits, as well as a variety of lending solutions. Finward Bancorp provides consumer loans, residential mortgages, home-equity lines of credit and business loans—ranging from small-business financing to larger commercial and industrial credits. In addition, it offers treasury management and cash-management services to help corporate and nonprofit clients optimize their liquidity and payments processes.

Beyond traditional banking, Finward Bancorp supports clients with wealth management, trust and estate-planning services through its trust division. Its insurance arm delivers property, casualty and life insurance products, while retirement planning specialists assist individuals in developing long-term savings strategies. Committed to community development, the company allocates resources to local economic growth initiatives and small-business lending programs, reinforcing its role as a relationship-driven partner in the markets it serves.

Key Stats

• Today's Range: $32.34 to $33.29
• 50-Day Range: $27.36 to $32.74
• 52-Week Range: $26.12 to $33.50
• Volume: 23,372 shs
• Average Volume: 19,265 shs
• Market Capitalization: $140.49 million
• P/E Ratio: 26.23
• Dividend Yield: 1.48%
• Price Target: $34.00
• Consensus Rating: Hold

Finward Bancorp Stock Analysis - MarketRank™

Finward Bancorp scored higher than 49% of companies evaluated by MarketBeat, and ranked 734th out of 945 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: 1.7 / 5
• Analyst Rating: Hold

Consensus Rating

Finward Bancorp has received a consensus rating of Hold. The company's average rating score is 2.33, and is based on 1 buy rating, 2 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for Finward Bancorp is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

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

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Finward Bancorp is 26.23, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 233.18.

Price to Earnings Ratio vs. Sector

The P/E ratio of Finward Bancorp is 26.23, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.97.

Price to Book Value per Share Ratio

Finward Bancorp has a P/B Ratio of 0.93. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

3.90% 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 3.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Finward Bancorp has recently decreased by 16.99%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Finward Bancorp pays a meaningful dividend of 1.49%, 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 38.71%. 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

3.90% 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 3.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Finward Bancorp has recently decreased by 16.99%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: N/A

News Sentiment

Finward Bancorp has a news sentiment score of 1.07. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.77 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Finward Bancorp this week, compared to 1 article on an average week.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Finward Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

13.07% of the stock of Finward Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

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 on January 1st, 2025. Since then, FNWD stock has increased by 15.7% and is now trading at $32.52.

How were Finward Bancorp's earnings last quarter?

Finward Bancorp (NASDAQ:FNWD) announced its quarterly earnings data on Wednesday, September, 18th. The company reported $0.48 earnings per share for the quarter. The company had revenue of $13.14 million for the quarter. Finward Bancorp had a trailing twelve-month return on equity of 3.45% and a net margin of 5.23%.

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

• Last Earnings: 9/18/2024
• Record date for 9/12 Dividend: 8/29/2025
• Ex-Dividend for 9/12 Dividend: 8/29/2025
• Dividend Payable: 9/12/2025
• Today: 10/15/2025
• Next Earnings (Estimated): 11/04/2025
• 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 Price Target for Finward Bancorp: $34.00
• High Price Target: $34.00
• Low Price Target: $34.00
• Potential Upside/Downside: +4.6%
• Consensus Rating: Hold
• Rating Score (0-4): 2.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.24
• Trailing P/E Ratio: 26.23
• Forward P/E Ratio: 36.13
• P/E Growth: N/A
• Net Income: $12.13 million
• Net Margins: 5.23%
• Pretax Margin: 5.71%
• Return on Equity: 3.45%
• Return on Assets: 0.26%

Debt

• Debt-to-Equity Ratio: 0.42
• Current Ratio: 0.86
• Quick Ratio: 0.86

Sales & Book Value

• Annual Sales: $111.82 million
• Price / Sales: 1.26
• Cash Flow: $4.54 per share
• Price / Cash Flow: 7.16
• Book Value: $35.10 per share
• Price / Book: 0.93

Miscellaneous

• Outstanding Shares: 4,320,000
• Free Float: 3,760,000
• Market Cap: $140.49 million
• Optionable: Not Optionable
• Beta: 0.31