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Finward Bancorp (FNWD) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Finward Bancorp stock $27.69, price $43.74, that is 36.7% below the price, quality 46 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

6 models, one by oneBear $25.23 to bull $34.89 Growth analysisrevenue history, year by year Quality 46/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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Financial Services US

Broad data Nov 4, 2026

Finward Bancorp

FNWD · US

Very expensive, weak quality

Our calculation puts a fair price 37% below what the stock costs today.

Solidly profitable · 14.2% net margin (TTM)

1.1% dividend yield · Low payout

Positive coverage

Broad data

Quality 46/100

Mixed Growth (revenue 5y +7.7 %/yr in USD)

Moderate moat 46/100 · thin data

Fair value $27.69 · Strongly overvalued

Trails peers (3/15)

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.

How to read this chart

60‑month range $17.45 – $45.15 · fair‑value band $25.23 – $34.89 · the $43.74 price screens above the $27.69 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.

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Company profile

Finward Bancorp operates as the holding company for Peoples Bank that provides various banking products and services.

Show moreShow less

The company's deposit products include non-interest- and interest-bearing demand accounts, savings accounts, money market deposit accounts, certificate accounts, and retirement savings plans.

Its loan portfolio comprises residential mortgage loans that enable borrowers to purchase existing homes, refinance existing homes, or construct new homes; construction loans primarily to individuals and contractors; commercial real estate and multifamily loans; consumer loans to individuals for personal, household, or family purposes; home equity line of credit; home improvement and equity loans; commercial business loans; government loans; and loans to municipalities.

The company also offers estate and retirement planning, guardianships, land trusts, profit sharing and 401(k) retirement plans, IRA and Keogh accounts, and investment agency accounts, as well as acts as personal representative of estates, and trustee for revocable and irrevocable trusts.

In addition, it provides insurance and annuity investments to wealth management customers; holds security investments and real estate properties; and operates as a real estate investment trust.

The company was formerly known as NorthWest Indiana Bancorp and changed its name to Finward Bancorp in March 1994. Finward Bancorp was founded in 1916 and is headquartered in Munster, Indiana.

Stock analysis

Finward Bancorp (FNWD) currently trades at $43.74, while our model-based Fair Value estimate is $27.69, 37% below the price, so the stock looks overvalued today.

Valuation

Bull case: the Multiples group reads highest at a median of $33.63 per share, and 0 of the 6 models we run sit above the $43.74 price.

Bear case: the Dividend Discount group reads lowest at $4.58, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $25.23 (bear) to $34.89 (bull), the price of $43.74 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Finward Bancorp reported revenue of $101M in FY2025 versus $66.6M in FY2021, a compound +11.0%/yr. Reported net income was $8.1M in FY2025, compounding −14.3%/yr from FY2021.

Key figures

Market cap $188M Micro · P/E ratio 24.6 · P/S ratio 2.73 · EPS (TTM) $1.78 · Dividend yield 1.1% · Net margin 14.2% · Return on equity 5.9% · Return on assets (EBIT) 0.6% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).

What moves the price

The share trades about 3% below its 52-week high and 45% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −37%, FNWD screens richer than that median.

Fair Value models

Bear $25.23 Fair Value $27.69 Bull $34.89

Price $43.74 · Downside -36.7%

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.11 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.

Best data coverage

Residual Income $28.43 $27.69 $28.59 76

Gordon GGM $2.74 $4.88 $6.65 68

DDM Multi-Stage $2.74 $4.28 $5.22 67

All 6 models by family

Dividend Discount

Gordon GGM $2.74 $4.88 $6.65 68

DDM Multi-Stage $2.74 $4.28 $5.22 67

Multiples

P/E Multiple $18.21 $24.27 $30.34 63

P/B Multiple $32.24 $42.99 $53.74 55

Asset-Based

NCAV (Graham) $17.44 $23.37 $34.89 54

Economic Profit

Residual Income $28.43 $27.69 $28.59 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 46/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 19

How much profit the company makes from its sales and capital

Quality Growth 33

Are margins and returns getting better?

Cashflow 58

Do the profits arrive as real cash?

Financial strength 3

Debt, balance sheet and risk of trouble

Investment 86

Does it invest with discipline instead of growing at any price?

Low Volatility 80

How calm the share price moves, does not count

Price momentum 66

Price momentum of the last 3 to 12 months, does not count

Near the 52-week high 80

Distance to the 52-week high, does not count

New shares 80

Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, no officer or director bought or sold shares on the open market.

Plan buyRobert T LowryExecutive Vice President4× since Dec 30, 2025: 193 shares, avg. $37.64$7,281Sep 25, 2026
Plan buyBenjamin J BochnowskiPresident, CEO, Director4× since Dec 30, 2025: 24 shares, avg. $37.64$892Sep 25, 2026
Plan buyAnthony PuntilloDirector2× since Jun 30, 2026: 12 shares, avg. $39.24$467Sep 25, 2026
Plan buyTodd M. ScheubExecutive Vice President4× since Dec 30, 2025: 149 shares, avg. $37.64$5,601Sep 25, 2026
Plan buyRobert E. Johnson IIIDirector5.45 shares at $35.75$195Jun 30, 2026
Plan buyAmy Wong HanDirector3.59 shares at $35.75$128Jun 30, 2026

Plus 7 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 74/100

Revenue is growing, but margins or cash flow do not fully confirm the trend.

Revenue growth 1 year

−9.6%

Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+6.6%

Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+7.7%

Start year 2020 (pandemic). Over 10 years: +10.8% a year

Revenue growth 29 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+7.6%

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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.

−14.1%

Earnings growth per share plus dividend.

Earnings per share, growth per year−15.2%

Dividend (yield on the price)1.1%

Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−15.2% vs −3.7%, slowing

Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.27% → 8%

Pace: the 5-year rate starts in 2020 (pandemic)

FNWD screens overvalued: fair value 37% below the price. Compare with China Merchants Bank Co →

Earlier news

News mood ⓘNews mood, the average tone of recent news (42 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Positive

Recent news coverage is more positive than average.

Finward Bancorp Announces Dividend Yahoo Finance · Sep 4, 2026
Halper Sadeh LLC is Investigating Whether FNWD and PSNL are Obtaining Fair Deals for their Shareholders GlobeNewswire · Jul 30, 2026
Halper Sadeh LLC is Investigating Whether LXP, FNWD, PSNL are Obtaining Fair Deals for their Shareholders GlobeNewswire · Jul 28, 2026
BRODSKY & SMITH SHAREHOLDER UPDATE: Notifying Investors of the Following Investigations: Luxfer Holdings PLC (NYSE – LXFR), Finward Banc GlobeNewswire · Jul 27, 2026

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 3/15 measures

Overall it trails its industry peers.

Valuation

Quality Score 46 · Bottom 25%

Fair Value upside −36.7% · Bottom 25%

Profitability

Return on equity (12 months) 5.9% · Bottom 25%

Return on assets 0.4% · Bottom 25%

Net margin (12 months) 14.2% · Bottom 25%

Operating margin (12 months) 16.2% · Bottom 25%

Growth and dividend

Revenue growth (quarter YoY) 2.4% · Below median

Dividend yield (12 months) 1.1% · Bottom 25%

Balance sheet

Debt / equity 0.26× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 24.6× · Priciest 25%

P/B 1.08× · Cheaper than median

P/S (12 months) 2.73× · Cheaper than median

Price / free cash flow (fiscal year) 20.8× · Priciest 25%

EV/EBITDA 15.0× · Priciest 25%

PEG 1.72× · Pricier than median

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)0 · sector 8

FUTURE (revenue growth)12 · sector 47

PAST (return on equity)24 · sector 43

HEALTH (low debt)–

DIVIDEND (yield)22 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock	Price	Fair Value	vs Fair Value	Compare
Postal Savings Bank of China Co 601658	¥5.53	¥7.59	+37%	vs FNWD
China Merchants Bank Co 600036	¥42.88	¥52.73	+23%	vs FNWD
BNP Paribas SA BNP	€91.93	€106.01	+15%	vs FNWD
Intesa Sanpaolo S.p.A ISP	€6.18	€4.49	−27%	vs FNWD
State Bank of India SBIN	₹1,019	₹736.65	−28%	vs FNWD
UniCredit S.p.A UCG	€76.80	€50.44	−34%	vs FNWD
Mizuho Financial Group MFG	$9.40	$5.89	−37%	vs FNWD
DBS Group D05	69.72 SGD	40.39 SGD	−42%	vs FNWD
HDFC Bank Limited HDFCBANK	₹788.25	₹406.39	−48%	vs FNWD
ICICI Bank Limited ICICIBANK	₹1,571	₹615.63	−61%	vs FNWD

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Finward Bancorp: fair value per Fair Value Calculator

<a href="https://www.fairvalue-calculator.com/stock/FNWD?utm_source=embed&amp;utm_medium=badge" target="_blank" rel="nofollow noopener"><img src="https://www.fairvalue-calculator.com/embed/FNWD.US.svg" width="360" height="84" alt="Finward Bancorp: fair value per Fair Value Calculator" style="border:0;max-width:100%" loading="lazy"></a>

Cite: Fair Value Calculator (2026). "Finward Bancorp Fair Value". https://www.fairvalue-calculator.com/stock/FNWD

Frequently asked questions

Is Finward Bancorp (FNWD) overvalued or undervalued?

As of Nov 4, 2026, our model estimates a fair value of $27.69 versus a price of $43.74, about 37% lower (overvalued).

What is the fair value of FNWD?

Our model-based fair value for Finward Bancorp is $27.69 (as of Nov 4, 2026), built from audited fundamentals. The current price: $43.74.

What is the quality score of FNWD?

Finward Bancorp has a Quality Score of 46/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for Finward Bancorp (FNWD)?

Our model-based price target is the fair value of $27.69 (as of Nov 4, 2026) from 6 valuation models. Cautious scenario $25.23, optimistic scenario $34.89. It is a calculation from audited fundamentals, not an analyst target.

What is the Finward Bancorp stock forecast for 2026?

Our models put fair value at $27.69, about 37% lower versus a price of $43.74 (overvalued). Cautious scenario $25.23, optimistic scenario $34.89. The calculation is refreshed regularly with new filings.

What is the revenue of Finward Bancorp (FNWD)?

Finward Bancorp reported trailing-twelve-month revenue of about $69.0M (latest available figure, as of Nov 4, 2026).

Does Finward Bancorp pay a dividend?

Finward Bancorp currently shows a dividend yield of 1.10% relative to its recent price (as of Nov 4, 2026).

How much is the dividend of Finward Bancorp (FNWD) and when is the ex-dividend date?

Finward Bancorp pays a dividend of $0.48 per share a year, a dividend yield of 1.1%. The last ex-dividend date was Sep 18, 2026. A dividend has been paid every year since at least 1998. The payout ratio is 27.0% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.

What is the intrinsic value of Finward Bancorp (FNWD)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Finward Bancorp it is $27.69 per share (as of Nov 4, 2026), against a price of $43.74. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).

Is Finward Bancorp stock overvalued or undervalued in 2026?

As of Nov 4, 2026, FNWD trades above its calculated fair value: price $43.74, fair value $27.69, a gap of about −37% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of FNWD?

No. The price is what the market pays today ($43.74); the fair value is what the company's own numbers justify ($27.69). For Finward Bancorp the two are $16.05 per share apart. That gap is exactly why we show both numbers side by side.

How much is Finward Bancorp worth?

The market values Finward Bancorp at about $188M (market capitalisation, as of Nov 4, 2026). Per share that is $43.74; our models calculate a fair value of $27.69 per share.

What do the bullish and bearish scenarios say about FNWD?

Our models span a range for Finward Bancorp: cautious scenario $25.23, base $27.69, optimistic $34.89 per share (as of Nov 4, 2026, price $43.74). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of FNWD?

Finward Bancorp trades at a price-to-earnings ratio of 24.6 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $27.69 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 12.5. Other multiples: PEG 1.7, P/B 1.1, P/S 2.7, EV/EBITDA 15.0.

What is the PEG ratio of FNWD?

The PEG ratio of Finward Bancorp is 1.72 (P/E divided by earnings growth, as of Nov 4, 2026). That is above 1, so the growth is already paid for in the price.

How solid is the balance sheet of Finward Bancorp (FNWD)?

Balance-sheet figures for Finward Bancorp (as of Nov 4, 2026): return on equity 5.9%, debt of 0.26 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.

How far is FNWD from its 52-week high?

Finward Bancorp trades at $43.74, about 3% below its 52-week high of $45.15 and 45% above the low of $30.15 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $27.69 is for.

Which stocks are comparable to Finward Bancorp?

From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is Finward Bancorp stock attractive at the current price?

The data as of Nov 4, 2026: price $43.74, calculated fair value $27.69 (−37%), Quality Score 46/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

How is the fair value of FNWD calculated?

We run Finward Bancorp through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $27.69 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.

Is it still worth investing in stocks now?

The global stock market currently sits 13.3% above its aggregate fair value. Finward Bancorp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of Finward Bancorp (FNWD)?

The closing price on Nov 6, 2026 was $43.74. Our model-based fair value is $27.69, about 37% lower (overvalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with Finward Bancorp right now?

The price sits above even our optimistic bull case ($34.89). The favourable scenario is already priced in. Weak quality (46/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Where does the earnings growth of Finward Bancorp (FNWD) come from?

Earnings per share at Finward Bancorp grew −2.7 % a year from 2014 to 2025. Broken into its drivers: revenue per share +7.3 %, EBIT margin −11.3 %, tax rate +2.3 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Finward Bancorp

How large is the market capitalisation of Finward Bancorp (FNWD)?

The market capitalisation of Finward Bancorp is $188M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of Finward Bancorp (FNWD)?

The price-to-sales ratio of Finward Bancorp is 2.73 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of Finward Bancorp (FNWD)?

Earnings per share at Finward Bancorp are $1.78 (price ÷ EPS = P/E 24.6). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of Finward Bancorp (FNWD)?

The dividend yield of Finward Bancorp is 1.1% (payout 27.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.

What is the net margin of Finward Bancorp (FNWD)?

The net margin of Finward Bancorp is 14.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of Finward Bancorp (FNWD)?

The return on equity (ROE) of Finward Bancorp is 5.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the EBIT return on assets of Finward Bancorp (FNWD)?

On an EBIT basis the return on assets of Finward Bancorp is 0.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.

What is the operating margin of Finward Bancorp (FNWD)?

The operating margin of Finward Bancorp is 16.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at Finward Bancorp (FNWD)?

Revenue at Finward Bancorp is growing +2.4% versus a year earlier (3y avg +6.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.

How fast are earnings growing at Finward Bancorp (FNWD)?

Earnings per share at Finward Bancorp are growing −4.0% versus a year earlier. How much earnings per share grew versus a year earlier.

How much free cash flow does Finward Bancorp (FNWD) generate?

The free cash flow of Finward Bancorp is $9.0M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.

How much net debt does Finward Bancorp (FNWD) carry?

The net debt of Finward Bancorp is $66.4M (fiscal year 2025, ≈ 7.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.

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