Finward Bancorp (FNWD) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-01, Finward Bancorp (NASDAQ: FNWD) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $43.90 (+0.48% 1D, market cap $190.2M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, FNWD ranks #334 in composite RQD confidence.
Within the Financials sector (Savings Institutions), FNWD carries a Roarable C (65/100 RQD), trailing P/E of 23.5x, gross margin of —, and ROIC of 4.6%. By comparison, BVFL (BV Financial Inc.) holds a C grade (62/100 RQD, P/E 14.0x, ROIC 7.3%, cap $189.1M) and FCAP (First Capital Inc.) posts a D+ grade (58/100 RQD, P/E 13.0x, ROIC 11.9%, cap $213.4M). Among the 5-stock peer group, FCAP leads on earnings multiple (13.0x) while FCAP leads on capital efficiency (11.9% ROIC).
Per FNWD's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000919864), Finward Bancorp generated $0 in revenue, $8.1M in net income, and $9.0M in free cash flow against $2.02B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 87% of 52W Range • RSI-14 at 56.1 (BULLISH MOMENTUM)
SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)
Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)
Even with a 65/100 (C) score, FNWD faces multiple-compression risk if 23.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($42.68) or 200D SMA ($38.08) invalidates the momentum regime and cuts Target Base ($45.28) toward Bear Floor ($35.32).
Finward Bancorp (FNWD) advanced +0.48% to $43.90, trading at 87% of its 52-week range ($30.05 – $45.9). Solid steady margins (5% return on capital), mixed timing at 24x P/E—hold if owned, no rush to chase.
MUNSTER, Ind., October 27, 2026--Finward Bancorp (Nasdaq: FNWD) (the "Bancorp"), the holding company for Peoples Bank (the "Bank"), today announced that net income available to common stockholders was $1.4 million, or $0
Finward Bancorp (NASDAQ:FNWD) reported quarterly earnings of $0.31 per share which missed the analyst consensus estimate of $0.73 by 58.11 percent. This is a 61.73 percent decrease over earnings of $0.81 per share from
Top ten ReFa/Ro Dogs for September 2026 offer projected net gains of 40.66% to 122.87% by September 2027, per broker estimates. Check out the list here.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on FNWD today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for FNWD. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Finward Bancorp (FNWD) ranks #334 by composite RQD confidence (65/100, grade C) and #892 by equity capitalization ($190.2M). Within this direct 5-issuer industry benchmark cohort, FCAP leads on earnings valuation at 13.0x trailing P/E, while FCAP leads on capital efficiency and profitability with 11.9% ROIC and — gross margin. FNWD currently leads its immediate peer cohort in composite quantitative strength at 65/100 (C).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| FNWD
ACTIVE
Finward Bancorp | C | 65/100 | 23.5x | — | 4.6% | +0.48% | $190.2M | Benchmark Subject |
| BVFL BV Financial Inc. | C | 62/100 | 14.0x | — | 7.3% | +1.00% | $189.1M | /bvfl-vs-fnwd → |
| FCAP First Capital Inc. | D+ | 58/100 | 13.0x | — | 11.9% | -1.39% | $213.4M | /fcap-vs-fnwd → |
| FGBI First Guaranty Bancshares Inc. | D- | 39/100 | — | — | -16.1% | +4.49% | $161.6M | /fgbi-vs-fnwd → |
| CZWI Citizens Community Bancorp Inc. | C- | 60/100 | 15.8x | — | 7.7% | -0.38% | $228.4M | /czwi-vs-fnwd → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Finward Bancorp (FNWD) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $8.1M, operating cash flow of $9.9M, and free cash flow of $9.0M (+34.4% YoY). On the balance sheet, FNWD closed FY2025 with $2.02B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $8.1M | $9.9M | $9.0M | $2.02B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $12.1M | $9.8M | $6.7M | $2.06B | — |
| FY2023 (FY) | 2023-12-31 | $0 | $8.4M | $24.2M | $24.2M | — | — |
As of 2026-11-01, Finward Bancorp (NASDAQ: FNWD) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $43.90 (+0.48% 1D, market cap $190.2M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, FNWD ranks #334 in composite RQD confidence.
Within the Financials sector (Savings Institutions), FNWD carries a Roarable C (65/100 RQD), trailing P/E of 23.5x, gross margin of —, and ROIC of 4.6%. By comparison, BVFL (BV Financial Inc.) holds a C grade (62/100 RQD, P/E 14.0x, ROIC 7.3%, cap $189.1M) and FCAP (First Capital Inc.) posts a D+ grade (58/100 RQD, P/E 13.0x, ROIC 11.9%, cap $213.4M). Among the 5-stock peer group, FCAP leads on earnings multiple (13.0x) while FCAP leads on capital efficiency (11.9% ROIC).
Per FNWD's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000919864), Finward Bancorp generated $0 in revenue, $8.1M in net income, and $9.0M in free cash flow against $2.02B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
FNWD last traded at $43.90 (+0.48% on volume of 13,686 shares), positioning the stock +2.86% above its 50-day simple moving average ($42.68) and +15.28% above its 200-day simple moving average ($38.08). Across its 52-week range of $30.05 to $45.90, FNWD sits at the 87.4% percentile with a 14-day RSI of 56.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.5% ($41.92 to $45.88).
Why FNWD Stock advanced +0.48% Today — RQD Quant Desk Flash. Solid steady margins (5% return on capital), mixed timing at 24x P/E—hold if owned, no rush to chase.
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