Finward Bancorp Net Income
| FNWD Stock | USD 37.64 0.67 1.81% |
As of the 14th of February 2026, Finward Bancorp shows the Mean Deviation of 1.44, downside deviation of 1.73, and Coefficient Of Variation of 921.52. Finward Bancorp technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices. Please confirm Finward Bancorp jensen alpha, as well as the relationship between the potential upside and skewness to decide if Finward Bancorp is priced favorably, providing market reflects its regular price of 37.64 per share. Given that Finward Bancorp has jensen alpha of 0.1661, we urge you to verify Finward Bancorp's prevailing market performance to make sure the company can sustain itself at a future point.
Finward Bancorp Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 3.1525 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 13.9 M | 8.1 M | |
| Net Income From Continuing Ops | 13.9 M | 13.7 M | |
| Net Income Applicable To Common Shares | 17.3 M | 14.1 M | |
| Net Income Per Share | 1.89 | 1.88 | |
| Net Income Per E B T | 1.00 | 0.63 |
Finward | Net Income | Build AI portfolio with Finward Stock |
Analyzing Finward Bancorp's Net Income over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Net Income has evolved provides context for assessing Finward Bancorp's current valuation and future prospects.
Latest Finward Bancorp's Net Income Growth Pattern
Below is the plot of the Net Income of Finward Bancorp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Finward Bancorp financial statement analysis. It represents the amount of money remaining after all of Finward Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Finward Bancorp's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Finward Bancorp's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 12.13 M | 10 Years Trend |
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Net Income |
| Timeline |
Finward Net Income Regression Statistics
| Arithmetic Mean | 9,354,005 | |
| Geometric Mean | 8,580,600 | |
| Coefficient Of Variation | 38.87 | |
| Mean Deviation | 2,756,703 | |
| Median | 8,380,000 | |
| Standard Deviation | 3,635,553 | |
| Sample Variance | 13.2T | |
| Range | 13.7M | |
| R-Value | 0.59 | |
| Mean Square Error | 9.2T | |
| R-Squared | 0.35 | |
| Significance | 0.01 | |
| Slope | 424,307 | |
| Total Sum of Squares | 211.5T |
Finward Net Income History
Other Fundumenentals of Finward Bancorp
| Net Income From Continuing Ops | ||
| Net Income Applicable To Common Shares | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Finward Bancorp Net Income component correlations
Finward Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Finward Bancorp is extremely important. It helps to project a fair market value of Finward Stock properly, considering its historical fundamentals such as Net Income. Since Finward Bancorp's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Finward Bancorp's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Finward Bancorp's interrelated accounts and indicators.
Click cells to compare fundamentals
Will Regional Banks sector continue expanding? Could Finward diversify its offerings? Factors like these will boost the valuation of Finward Bancorp. Market participants price Finward higher when confident in its future expansion prospects. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Finward Bancorp data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth (0.06) | Dividend Share 0.48 | Earnings Share 1.88 | Revenue Per Share | Quarterly Revenue Growth (0.02) |
Investors evaluate Finward Bancorp using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Finward Bancorp's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. External factors like market trends, sector rotation, and investor psychology can cause Finward Bancorp's market price to deviate significantly from intrinsic value.
Please note, there is a significant difference between Finward Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Finward Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, Finward Bancorp's market price signifies the transaction level at which participants voluntarily complete trades.
Finward Bancorp 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Finward Bancorp's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Finward Bancorp.
| 11/16/2025 |
| 02/14/2026 |
If you would invest 0.00 in Finward Bancorp on November 16, 2025 and sell it all today you would earn a total of 0.00 from holding Finward Bancorp or generate 0.0% return on investment in Finward Bancorp over 90 days. Finward Bancorp is related to or competes with First Capital, ECB Bancorp, Landmark Bancorp, CF Bankshares, Hanover Bancorp, Citizens Community, and Peoples Bancorp. Finward Bancorp operates as the holding company for Peoples Bank that provides various banking products and services More
Finward Bancorp Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Finward Bancorp's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Finward Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.73 | |||
| Information Ratio | 0.0713 | |||
| Maximum Drawdown | 9.57 | |||
| Value At Risk | (2.47) | |||
| Potential Upside | 3.7 |
Finward Bancorp Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Finward Bancorp's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Finward Bancorp's standard deviation. In reality, there are many statistical measures that can use Finward Bancorp historical prices to predict the future Finward Bancorp's volatility.| Risk Adjusted Performance | 0.0933 | |||
| Jensen Alpha | 0.1661 | |||
| Total Risk Alpha | 0.0544 | |||
| Sortino Ratio | 0.0774 | |||
| Treynor Ratio | 0.4157 |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of Finward Bancorp's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
Finward Bancorp February 14, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0933 | |||
| Market Risk Adjusted Performance | 0.4257 | |||
| Mean Deviation | 1.44 | |||
| Semi Deviation | 1.51 | |||
| Downside Deviation | 1.73 | |||
| Coefficient Of Variation | 921.52 | |||
| Standard Deviation | 1.88 | |||
| Variance | 3.53 | |||
| Information Ratio | 0.0713 | |||
| Jensen Alpha | 0.1661 | |||
| Total Risk Alpha | 0.0544 | |||
| Sortino Ratio | 0.0774 | |||
| Treynor Ratio | 0.4157 | |||
| Maximum Drawdown | 9.57 | |||
| Value At Risk | (2.47) | |||
| Potential Upside | 3.7 | |||
| Downside Variance | 3.0 | |||
| Semi Variance | 2.28 | |||
| Expected Short fall | (1.54) | |||
| Skewness | 0.2892 | |||
| Kurtosis | 0.6531 |
Finward Bancorp Backtested Returns
At this point, Finward Bancorp is very steady. Finward Bancorp secures Sharpe Ratio (or Efficiency) of 0.0715, which denotes the company had a 0.0715 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for Finward Bancorp, which you can use to evaluate the volatility of the firm. Please confirm Finward Bancorp's Downside Deviation of 1.73, coefficient of variation of 921.52, and Mean Deviation of 1.44 to check if the risk estimate we provide is consistent with the expected return of 0.13%. Finward Bancorp has a performance score of 5 on a scale of 0 to 100. The firm shows a Beta (market volatility) of 0.47, which means possible diversification benefits within a given portfolio. As returns on the market increase, Finward Bancorp's returns are expected to increase less than the market. However, during the bear market, the loss of holding Finward Bancorp is expected to be smaller as well. Finward Bancorp right now shows a risk of 1.88%. Please confirm Finward Bancorp sortino ratio, skewness, price action indicator, as well as the relationship between the potential upside and rate of daily change , to decide if Finward Bancorp will be following its price patterns.
Auto-correlation | 0.08 |
Virtually no predictability
Finward Bancorp has virtually no predictability. Overlapping area represents the amount of predictability between Finward Bancorp time series from 16th of November 2025 to 31st of December 2025 and 31st of December 2025 to 14th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Finward Bancorp price movement. The serial correlation of 0.08 indicates that barely 8.0% of current Finward Bancorp price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.08 | |
| Spearman Rank Test | 0.09 | |
| Residual Average | 0.0 | |
| Price Variance | 2.02 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Finward Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Finward Bancorp reported net income of 12.13 M. This is 99.05% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 97.88% higher than that of the company.
Finward Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Finward Bancorp's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Finward Bancorp could also be used in its relative valuation, which is a method of valuing Finward Bancorp by comparing valuation metrics of similar companies.Finward Bancorp is currently under evaluation in net income category among its peers.
Finward Bancorp ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Finward Bancorp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Finward Bancorp's managers, analysts, and investors.Environmental | Governance | Social |
Finward Bancorp Institutional Holders
Institutional Holdings refers to the ownership stake in Finward Bancorp that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Finward Bancorp's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Finward Bancorp's value.| Shares | Dimensional Fund Advisors, Inc. | 2025-06-30 | 21.8 K | Pnc Financial Services Group Inc | 2025-06-30 | 20 K | Renaissance Technologies Corp | 2025-06-30 | 18.7 K | Susquehanna International Group, Llp | 2025-06-30 | 18.6 K | Old National Bancorp | 2025-06-30 | 16 K | Mesirow Fin Investmt Mgmt Intl Equity | 2025-06-30 | 10.7 K | Charles Schwab Investment Management Inc | 2025-06-30 | 10.4 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 9.5 K | Private Advisor Group, Llc | 2025-06-30 | 8.4 K | Pl Capital Advisors, Llc | 2025-06-30 | 395.7 K | Alliancebernstein L.p. | 2025-06-30 | 352.7 K |
Finward Fundamentals
| Return On Equity | 0.0496 | ||||
| Return On Asset | 0.004 | ||||
| Profit Margin | 0.12 % | ||||
| Operating Margin | 0.13 % | ||||
| Current Valuation | 127.91 M | ||||
| Shares Outstanding | 4.33 M | ||||
| Shares Owned By Insiders | 21.71 % | ||||
| Shares Owned By Institutions | 47.59 % | ||||
| Number Of Shares Shorted | 164.96 K | ||||
| Price To Earning | 7.17 X | ||||
| Price To Book | 0.93 X | ||||
| Price To Sales | 2.46 X | ||||
| Revenue | 101.06 M | ||||
| Gross Profit | 66.25 M | ||||
| EBITDA | 8.11 M | ||||
| Net Income | 12.13 M | ||||
| Cash And Equivalents | 40.51 M | ||||
| Cash Per Share | 9.43 X | ||||
| Total Debt | 84.7 M | ||||
| Book Value Per Share | 40.37 X | ||||
| Cash Flow From Operations | 9.8 M | ||||
| Short Ratio | 8.72 X | ||||
| Earnings Per Share | 1.88 X | ||||
| Target Price | 38.5 | ||||
| Number Of Employees | 293 | ||||
| Beta | 0.36 | ||||
| Market Capitalization | 162.87 M | ||||
| Total Asset | 2.02 B | ||||
| Retained Earnings | 145.99 M | ||||
| Annual Yield | 0.01 % | ||||
| Five Year Return | 2.98 % | ||||
| Net Asset | 2.02 B | ||||
| Last Dividend Paid | 0.48 |
About Finward Bancorp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Finward Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Finward Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Finward Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Also Currently Popular
Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.When determining whether Finward Bancorp is a strong investment it is important to analyze Finward Bancorp's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Finward Bancorp's future performance. For an informed investment choice regarding Finward Stock, refer to the following important reports:Check out For information on how to trade Finward Stock refer to our How to Trade Finward Stock guide.You can also try the Portfolio Holdings module to check your current holdings and cash postion to detemine if your portfolio needs rebalancing.
Will Regional Banks sector continue expanding? Could Finward diversify its offerings? Factors like these will boost the valuation of Finward Bancorp. Market participants price Finward higher when confident in its future expansion prospects. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Finward Bancorp data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth (0.06) | Dividend Share 0.48 | Earnings Share 1.88 | Revenue Per Share | Quarterly Revenue Growth (0.02) |
Investors evaluate Finward Bancorp using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Finward Bancorp's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. External factors like market trends, sector rotation, and investor psychology can cause Finward Bancorp's market price to deviate significantly from intrinsic value.
Please note, there is a significant difference between Finward Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Finward Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, Finward Bancorp's market price signifies the transaction level at which participants voluntarily complete trades.