FNWD · Finward Bancorp
$43.22
-1.27 (-2.85%)
At close · Aug 19
Market Cap
$187.27M
Shares
4.33M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$43.22
Open$44.48
Day$43.22–44.48
52W close$29.20–45.28
Avg vol 30d22K
Short int63K · 1.5% float · 1.8d
Short vol26%
DataJan 2020–Aug 2026
Filing10-Q · Aug 13
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 13, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Strong
Sentiment
Neutral
Fundamentals
Fair
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+19%
above
Price vs 50-day avg
+10%
above
RSI (14)
54
neutral
MACD trend
Negative
52-week position
87%
near high
Volume (OBV)
Bullish div.
accumulating
Momentum
relative strength
1-month return
−4%
trailing
6-month return
+17%
trailing
YTD return
+23%
this year
Relative strength
+5%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $39 › 200d $36 — 50d above 200d
Institutional flow
Distributing
-6% holders QoQ · +15 funds added
Insider flow
Accumulating
Net +$3.9K over 90 days · 0% sells
Short interest
Falling
1.46% of float · ▼ -25.1% MoM · 1.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
72 holders — mid 3-yr range
Squeeze score
38
low risk · 0–100
Fundamentals
EPS growth
−34%
Y/Y
Free cash flow
$9.0M
Valuation
P/E 19
rich
Balance sheet
$47.3M
net cash
Quant / Vol
risk profile
Volatility
35%
annualized · 1-yr
Max drawdown
−24%
past year
ATR
2.2%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+19%
Bullish
Price vs 50-day avg
+10%
Bullish
RSI (14)
54
Neutral
MACD trend
Negative
Bearish
52-week position
87%
Bullish
Volume (OBV)
Bullish div.
Bullish
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $39 › 200d $36 — 50d above 200d
Institutional flow
Distributing
-6% holders QoQ · +15 funds added
Insider flow
Accumulating
Net +$3.9K over 90 days · 0% sells
Short interest
Falling
1.46% of float · ▼ -25.1% MoM · 1.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
72 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $29
Now $43 · 87%
Range high $45
vs 200-day avg +19%
vs 50-day avg +10%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses as a percentage of total loans receivable | 1.18% | Q2 2026 | — |
| Allowance for credit losses to non-performing loans | 106.92% | Q2 FY2026 | — |
| Common equity tier 1 capital to risk-weighted assets | 11.81% | Q2 FY2026 | — |
| Core deposits as a percentage of total deposits | 71.3% | Q2 2026 | — |
| Efficiency ratio non-GAAP | 84.52% | Q2 2026 | — |
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| Net interest margin | 3.25% | Q2 FY2026 | — |
| Net interest margin, tax-equivalent (non-GAAP) non-GAAP | 3.37% | Q2 2026 | — |
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| Non-interest expense/average assets | 2.95% | Q2 2026 | — |
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| Non-interest income/average assets | 0.48% | Q2 2026 | — |
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| Ratio of non-performing assets to total assets | 0.9% | Q2 2026 | — |
| Ratio of non-performing loans to total loans | 1.1% | Q2 2026 | — |
| Return on assets | 0.42% | Q2 FY2026 | — |
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| Return on equity | 4.74% | Q2 FY2026 | — |
| Tangible book value per share (non-GAAP) non-GAAP | $35.75 | Q2 2026 | — |
| Tangible common equity to tangible assets (non-GAAP) non-GAAP | 7.68% | Q2 2026 | — |
| Tier 1 capital to risk-weighted assets | 11.81% | Q2 FY2026 | — |
| Tier 1 leverage ratio | 9.31% | Q2 2026 | — |
| Total capital to risk-weighted assets | 13.03% | Q2 FY2026 | — |
| Yield on the securities portfolio | 2.27% | Q2 2026 | — |
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| Tangible book value per share, excluding accumulated other comprehensive losses (non-GAAP) non-GAAP | $44.55 | 12/31/2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FNWD
this stock
Finward Bancorp
|
$187.27M | +22.8% | — | 19.0 | 1.5% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FNWD | -4.0% | -3.5% | +16.7% | -2.8% | +22.8% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -3.6% | -6.4% | +5.1% | -5.7% | +10.0% |
Capital returns
Latest dividend
$0.12
/ share · ex Jun 17, 2026
Paid (TTM)
$0.48
/ share · 4 payouts
Dividend yield (TTM, derived)
1.11%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.