COMP <GO>
FNWD vs BVFL // FREE CASH FLOW YIELD
Finward Bancorp (NASDAQ) VS. BV Financial Inc. (NASDAQ) • 15-METRIC TALLY: FNWD 3
— BVFL 4
▲ FREE CASH FLOW YIELD LEADER: BVFL
LAST: $43.90 (+0.48%) • MKT CAP: $190.2M
fcf-yield
4.76%
LAST: $22.33 (+1.00%) • MKT CAP: $189.1M
fcf-yield
9.93%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FNWD VS. BVFL)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FNWD | BVFL | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 4.60% | 7.30% | -2.70 | BVFL | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | 4.76% | 9.93% | -5.17 | BVFL | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.82% | 0.00% | +0.82 | FNWD | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 5/9 | -1.00 | BVFL | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 60.7 | 58.1 | +2.60 | FNWD | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 21.9x | 13.0x | +8.90 | BVFL | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $190.2M | $189.1M | $1.1M | FNWD | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FNWD REV | BVFL REV | FNWD GROSS % | BVFL GROSS % | FNWD FCF | BVFL FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $9.0M | $18.8M |
| FY 2024 | $0 | $0 | — | — | $6.7M | $15.5M |
| FY 2023 | $0 | $0 | — | — | $24.2M | $15.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FNWD // BETA —
BVFL // BETA —