FNWD · Finward Bancorp
$44.61
+0.01 (+0.02%)
At close · Jul 24
Market Cap
$193.16M
Shares
4.33M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$44.61
Open$44.79
Day$44.56–44.92
52W$26.43–44.92
Avg vol 30d34K
Short int84K · 2.0% float · 8.5d
Short vol21%
DataJan 2020–Jul 2026
Filing10-Q · May 13
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed May 13, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Fair
Quant / Vol
Moderate
Market backdrop
VIX 18.6 · elevated
Equity put/call 0.79
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+26%
above
Price vs 50-day avg
+28%
above
RSI (14)
86
overbought
MACD trend
Positive
52-week position
98%
near high
Volume (OBV)
Bearish div.
distributing
Momentum
relative strength
1-month return
+30%
trailing
6-month return
+22%
trailing
YTD return
+27%
this year
Relative strength
+16%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $35 › 200d $35 — 200d above 50d
Institutional flow
Distributing
13 of 76 funds reported for Jun 30 · net -1.4K sh shares · +1 new
Insider flow
Accumulating
Net +$3.9K over 90 days · 0% sells
Short interest
Falling
1.95% of float · ▼ -3.3% MoM · 8.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
76 holders — near 3-yr high, broad support
Squeeze score
76
high risk · 0–100
Fundamentals
EPS growth
−34%
Y/Y
Free cash flow
$9.0M
Valuation
P/E 19.5
rich
Balance sheet
$47.3M
net cash
Quant / Vol
risk profile
Volatility
35%
annualized · 1-yr
Max drawdown
−22%
past year
ATR
3.2%
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
+26%
Bullish
Price vs 50-day avg
+28%
Bullish
RSI (14)
86
Bearish
MACD trend
Positive
Bullish
52-week position
98%
Bullish
Volume (OBV)
Bearish div.
Bearish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $35 › 200d $35 — 200d above 50d
Institutional flow
Distributing
13 of 76 funds reported for Jun 30 · net -1.4K sh shares · +1 new
Insider flow
Accumulating
Net +$3.9K over 90 days · 0% sells
Short interest
Falling
1.95% of float · ▼ -3.3% MoM · 8.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
76 holders — near 3-yr high, broad support
Price context
position in its 52-week range
52-wk low $26
Now $45 · 98%
52-wk high $45
vs 200-day avg +26%
vs 50-day avg +28%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses as a percentage of total loans receivable | 1.19% | March 31, 2026 | — |
| Allowance for credit losses coverage ratio | 139.7% | March 31, 2026 | — |
| Core deposits as a percentage of total deposits | 71.6% | March 31, 2026 | — |
| Efficiency ratio non-GAAP | 84.45% | Quarter ended 3/31/2026 | — |
| Net interest margin, tax-equivalent non-GAAP | 3.35% | Quarter ended 3/31/2026 | — |
|
|
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| Non-interest expense/average assets | 2.93% | Quarter ended 3/31/2026 | — |
| Non-interest income/average assets | 0.48% | Quarter ended 3/31/2026 | — |
| Ratio of non-performing assets to total assets | 0.71% | March 31, 2026 | — |
| Ratio of non-performing loans to total loans | 0.85% | March 31, 2026 | — |
| Return on assets | 0.44% | Quarter ended 3/31/2026 | — |
| Tangible book value per share non-GAAP | $34.39 | March 31, 2026 | -1.5% |
|
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| Tangible common equity to tangible assets non-GAAP | 7.48% | March 31, 2026 | -1.1% |
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| Tier 1 leverage ratio | 9.24% | March 31, 2026 | — |
| Yield on the securities portfolio | 2.22% | the three months ended March 31, 2026 | — |
| 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 · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FNWD
this stock
Finward Bancorp
|
$193.16M | +27.2% | — | 19.5 | 2.0% |
|
MFG
Mizuho Financial Group Inc
|
$129.50B | +44.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$119.29B | -36.4% | +15.2% | — | 0.4% |
|
IBN
Icici Bank Ltd
|
$105.84B | -1.9% | — | — | 0.6% |
|
PNC
Pnc Financial Services Group, Inc.
|
$100.79B | +20.3% | +7.2% | 14.6 | 1.7% |
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 | +22.9% | +30.1% | +22.1% | +21.3% | +27.2% |
| SPY | -1.7% | +0.7% | +6.4% | -1.2% | +8.3% |
| vs SPY | +24.6% | +29.4% | +15.8% | +22.4% | +18.9% |
Capital returns
Latest dividend
$0.12
/ share · ex Jun 17, 2026
Paid (TTM)
$0.48
/ share · 4 payouts
Dividend yield (TTM, derived)
1.08%
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.