Finward Bancorp cash flow to debt ratio of 11.69% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Finward Bancorp's free cash flow has increased 34.42% from $6.73M last year to $9.05M, signaling increasing performance

Finward Bancorp's debt to equity ratio is 0.53, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.

Finward Bancorp's debt has decreased relative to shareholder equity from 0.69 last year to 0.53 today, signaling strengthened financials

Finward Bancorp has a net debt to EBITDA ratio of 4.65x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Finward Bancorp earns at least as much interest as it pays. Interest obligations are fully covered.

Finward Bancorp's profit margin has decreased (-10.43%) in the last year from 10.85% to 9.72%, signaling decreasing performance

Finward Bancorp's short-term assets of $1.79G exceed its short-term liabilities of $1.01G

Finward Bancorp's return on assets of 0.49% is lower than the 5.00% threshold, indicating inefficient asset utilization

Finward Bancorp's return on equity of 5.92%, is lower than 15.00%, indicating bad performance

Finward Bancorp's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Finward Bancorp had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings

Finward Bancorp has positive free cash flow, indicating the company generates cash after capital expenditures

Finward Bancorp has a free cash flow yield of 6.13%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Finward Bancorp's yearly earnings has decreased -33.33% since last year from $12.13M to $8.09M, signaling decreasing performance

Finward Bancorp's yearly revenue has decreased -9.63% since last year from $111.83M to $101.06M, signaling decreasing performance

ROIC 3.33% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Finward Bancorp's 3-year revenue CAGR of 6.55% is positive, indicating growing revenue over the past 3 years

Finward Bancorp had revenue growth in 3.00 out of 5 years, indicating consistent revenue performance

Finward Bancorp had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity

Finward Bancorp has insufficient data to evaluate this check.

Finward Bancorp has an earnings yield of 6.78%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Finward Bancorp is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Finward Bancorp has an EV/EBITDA ratio of 7.44x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Finward Bancorp is undervalued relative to its fair value price of 61.82 based on Earnings Fair Value model

Finward Bancorp has a PEG-ratio under 1 which is considered undervalued

Finward Bancorp has a price-to-book ratio of 0.85x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Finward Bancorp has a price-to-sales ratio of 1.45x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue