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Finward Bancorp

Finward Bancorp

NASDAQ•FNWD
CEO: Mr. Benjamin J. Bochnowski
セクター: Financial Services
業種: Banks - Regional
上場日: 1998-05-20
Finward Bancorp operates as the holding company for Peoples Bank that provides various banking products and services. The company's deposit products include non-interest- and interest-bearing demand accounts, savings accounts, money market deposit accounts, certificate accounts, and retirement savings plans. Its loan products portfolio comprises residential mortgage loans that enable borrowers to purchase existing homes, refinance existing homes, or construct new homes; construction loans primarily to individuals and contractors; commercial real estate loans; consumer loans to individuals for personal, household, or family purposes; home equity line of credit; home improvement loans and equity loans; commercial business loans; government loans; and loans to municipalities. The company also offers estate and retirement planning, custodial services, guardianships, IRA accounts, and investment agency accounts, as well as serves as the personal representative of estates, and acts as trustee for revocable and irrevocable trusts. In addition, it provides insurance and annuity investments to wealth management customers; holds real estate properties; and operates as a real estate investment trust. The company was formerly known as NorthWest Indiana Bancorp and changed its name to Finward Bancorp in May 2021. Finward Bancorp was founded in 1916 and is headquartered in Munster, Indiana.
連絡先情報
9204 Columbia Avenue, Munster, IN, 46321, United States
219-836-4400
www.ibankpeoples.com
時価総額
$159.97M
PER (TTM)
19.5
14.8
配当利回り
1.0%
52週高値
$39.99
52週安値
$26.31
52週レンジ
78%
順位46Top 59.5%
3.5
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.5 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$24.88M-5.47%
直近4四半期の推移

EPS

$0.46-6.12%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

NII Growth Strong Nine-month Net Interest Income increased 16.4% to $41.7M; Tax-equivalent NIM expanded to 3.08% driven by lower funding costs.
Capital Adequacy Remains Robust Common Equity Tier 1 ratio stands at 11.49%, significantly exceeding the 6.50% minimum required for prompt corrective action.
Asset Quality Stable NPL ratio slightly rose to 0.94% ($13.9M); Allowance for Credit Losses coverage ratio improved to 129.4% year-over-year.
Net Income Significantly Lower Nine-month Net Income decreased 39.1% to $6.1M, primarily due to the absence of large real estate sale gains recorded in 2024.

リスク要因

Non-Interest Income Volatility Nine-month non-interest income dropped 58.6% due to the lack of a significant $11.9M pre-tax gain from a sale-leaseback in 2024.
Loan Portfolio Shrinkage Net loans receivable decreased to $1.474B as of September 30, 2025, down from $1.509B at December 31, 2024.
Interest Rate Shock Exposure EVE simulation indicates a potential 33.3% drop in Economic Value of Equity under a severe +400 Bps parallel interest rate shock.
CRE Portfolio Monitoring Management is carefully monitoring the $564.6M Commercial Real Estate portfolio due to sustained high interest rates and lower occupancy.

見通し

NIM Sensitivity Forecast Management forecasts positive net interest income impact if rates rise 100 to 300 basis points over the next twelve months.
Liquidity Position Strong Liquidity remains strong with $737.1M in available sources, including FHLB capacity, sufficient for current operations.
Regulatory Changes Evaluation Management is actively evaluating the potential far-reaching consequences of the recently enacted OBBBA federal tax legislation.
Consent Order Termination FDIC terminated the BSA Consent Order in August 2025, resolving prior compliance deficiencies impacting past operations.

同業比較

売上高 (TTM)

First Guaranty Bancshares, Inc.FGBI
$220.51M
-9.9%
BCB Bancorp, Inc.BCBP
$166.44M
-15.5%
Hanover Bancorp, Inc.HNVR
$143.32M
-3.4%

粗利益率 (最新四半期)

United Security BancsharesUBFO
80.5%
+10.2pp
Peoples Bancorp of North Carolina, Inc.PEBK
79.1%
+4.8pp
First Capital, Inc.FCAP
76.9%
+4.2pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
PEBK$204.40M16.113.5%0.9%
CFBK$203.37M11.57.4%5.8%
UBFO$192.65M15.49.0%1.0%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
0.4%
緩やかな成長
4四半期純利益CAGR
63.4%
収益性の大幅な改善
キャッシュフロー安定性
50%
キャッシュフローに注意が必要

深度リサーチ

次回決算:2026年4月28日
|
EPS:$0.53
|
売上高:$18.40M
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月12日|
    売上高: $26.25M+3.6%
    |
    EPS: $0.82+485.7%
    予想を上回る

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月13日|
    売上高: $25.35M+2.6%
    |
    EPS: $0.50+1388.1%
    予想を上回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月15日|
    売上高: $24.57M-30.7%
    |
    EPS: $0.11-95.0%
    予想を上回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月31日|
    売上高: $111.83M+15.8%
    |
    EPS: $2.84+44.9%
    予想を上回る

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月14日|
    売上高: $25.34M+4.8%
    |
    EPS: $0.14-73.1%
    予想を下回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月14日|
    売上高: $24.70M+0.3%
    |
    EPS: $0.03-94.1%
    予想を上回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月15日|
    売上高: $35.46M+55.9%
    |
    EPS: $2.18+319.2%
    予想を上回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月28日|
    売上高: $96.53M+15.5%
    |
    EPS: $1.96-45.7%
    予想を下回る