Finward Bancorp
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Finward Bancorp's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 88% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 88% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales fell 16%
Sales fell 16% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-16% / -2%In 3 years sales changed by -16% while total assets changed by -2%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 66% of Financial Services companies in United States.
Tangible Net Worth Ratio
87%Of every $100 of net worth, $87 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 56% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Finward Bancorp owes $0.91 for every $1 it owns. Net profit fell 33% in the year to Dec 2025, and shrank 19% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
19.2Investors pay $19.2 for every $1 of Finward Bancorp's yearly profit, higher than 74% of Financial Services companies in United States.
P/B ratio
1.06The share price is 1.06 times Finward Bancorp's book value per share, lower than 68% of Financial Services companies in United States.
Market cap
$188 MThe total market value of all of Finward Bancorp's shares at today's price (share price × number of shares), smaller than 83% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$178 MWhat Finward Bancorp would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$41.17Net worth divided by the number of shares. The share price of $43.50 is 1.1 times this, which is the P/B above.
Return on equity (ROE)
5.9%Finward Bancorp earned 5.9% on its shareholders' money over the last year, lower than 73% of Financial Services companies in United States.
Owes vs Owns
0.91×Finward Bancorp owes $0.91 for every $1 it owns (high), higher than 87% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
1.14%Finward Bancorp pays 1.14% of its share price as dividends a year, lower than 87% of dividend-paying Financial Services companies in United States.
Revenue growth
-7%Revenue fell 7% in the year to Dec 2025, and shrank 6% a year on average over 3 years.
Profit growth
-33%Net profit fell 33% in the year to Dec 2025, and shrank 19% a year on average over 3 years.
Profit margin
12.2%Finward Bancorp keeps $12 of every $100 of revenue as net profit.
Questions
What is Finward Bancorp's P/E ratio?
Investors pay $19.2 for every $1 of Finward Bancorp's yearly profit, higher than 74% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Finward Bancorp: $188 M ÷ $178 M (30 Jun 2026) = 1.1.
What is Finward Bancorp's return on equity?
Finward Bancorp earned 5.9% on its shareholders' money over the last year, lower than 73% of Financial Services companies in United States.
How much does Finward Bancorp owe compared with what it owns?
Finward Bancorp owes $0.91 for every $1 it owns (high), higher than 87% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Finward Bancorp pay a dividend?
Yes. Finward Bancorp pays 1.14% of its share price as dividends a year, lower than 87% of dividend-paying Financial Services companies in United States.
Is Finward Bancorp's revenue growing?
Revenue fell 7% in the year to Dec 2025, and shrank 6% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.