Company Analysis Finward Bancorp
1. Summary
Advantages
- Dividends (2.94%) are higher than the sector average (2.17%).
- The stock's return over the last year (14.06%) is higher than the sector average (-24.09%).
- The company's current efficiency (ROE=5.69%) is higher than the sector average (ROE=5.61%)
Disadvantages
- Price (24.85 $) is higher than fair price (20.12 $)
- Current debt level 5.59% has increased over 5 years from 1.05%.
Similar companies
2. Share price and performance
2.1. Share price
2.2. News
2.3. Market efficiency
| Finward Bancorp | Financials | Index | |
|---|---|---|---|
| 7 days | -4.7% | -8% | 0% |
| 90 days | -10% | -32.7% | 6.1% |
| 1 year | 14.1% | -24.1% | 30.2% |
FNWD vs Sector: Finward Bancorp has outperformed the "Financials" sector by 38.16% over the past year.
FNWD vs Market: Finward Bancorp has significantly underperformed the market by -16.14% over the past year.
Stable price: FNWD is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: FNWD with weekly volatility of 0.2705% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Above fair price: The current price (24.85 $) is higher than the fair price (20.12 $).
Price is higher than fair: The current price (24.85 $) is 19% higher than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (13.03) is lower than that of the sector as a whole (38.87).
P/E vs Market: The company's P/E (13.03) is lower than that of the market as a whole (49.05).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (0.7408) is higher than that of the sector as a whole (0.6466).
P/BV vs Market: The company's P/BV (0.7408) is lower than that of the market as a whole (3.18).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (1.14) is lower than that of the sector as a whole (4.98).
P/S vs Market: The company's P/S indicator (1.14) is lower than that of the market as a whole (10.24).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (19.78) is lower than that of the sector as a whole (40.82).
EV/Ebitda vs Market: The company's EV/Ebitda (19.78) is lower than that of the market as a whole (28.35).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Negative and has fallen by -9.9% over the last 5 years.
Accelerating profitability: The return for the last year (0%) exceeds the average return for 5 years (-9.9%).
Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-15.99%).
5.4. ROE
ROE vs Sector: The company's ROE (5.69%) is higher than that of the sector as a whole (5.61%).
ROE vs Market: The company's ROE (5.69%) is lower than that of the market as a whole (10.67%).
5.5. ROA
ROA vs Sector: The company's ROA (0.3969%) is lower than that of the sector as a whole (5.48%).
ROA vs Market: The company's ROA (0.3969%) is lower than that of the market as a whole (6.44%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.05%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (10.79%).
7. Dividends
7.1. Dividend yield vs Market
High yield: The dividend yield of the company 2.94% is higher than the average for the sector '2.17%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 2.94% has been steadily paid over the past 7 years, DSI=0.79.
Weak dividend growth: The company's dividend yield 2.94% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (63.66%) are at a comfortable level.
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