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Upturn AI SWOT - About
Finward Bancorp (FNWD)
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Upturn Advisory Summary
08/14/2025: FNWD (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $31
1 Year Target Price $31
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 5.23% | Avg. Invested days 50 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 127.97M USD | Price to earnings Ratio 23.86 | 1Y Target Price 31 |
Price to earnings Ratio 23.86 | 1Y Target Price 31 | ||
Volume (30-day avg) 2 | Beta 0.29 | 52 Weeks Range 26.02 - 33.22 | Updated Date 08/15/2025 |
52 Weeks Range 26.02 - 33.22 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 0.80% | Basic EPS (TTM) 1.24 |
Earnings Date
Report Date 2025-07-29 | When After Market | Estimate 0.26 | Actual 0.5 |
Profitability
Profit Margin 8.33% | Operating Margin (TTM) 15.31% |
Management Effectiveness
Return on Assets (TTM) 0.26% | Return on Equity (TTM) 3.51% |
Valuation
Trailing PE 23.86 | Forward PE - | Enterprise Value 137890464 | Price to Sales(TTM) 2.01 |
Enterprise Value 137890464 | Price to Sales(TTM) 2.01 | ||
Enterprise Value to Revenue 2.02 | Enterprise Value to EBITDA - | Shares Outstanding 4324890 | Shares Floating 3381025 |
Shares Outstanding 4324890 | Shares Floating 3381025 | ||
Percent Insiders 21.72 | Percent Institutions 41.6 |
Upturn AI SWOT
Finward Bancorp
Company Overview
History and Background
Finward Bancorp, operating as Peoples Bank, was founded in 1910. It has grown from a local community bank to a regional player through organic growth and strategic acquisitions, focusing on providing financial services to individuals and businesses in Northwest Ohio.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, deposit services, and treasury management solutions to businesses of all sizes.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgages, personal loans, and credit cards to individuals.
- Wealth Management: Offers wealth management and trust services to individuals, families, and businesses.
Leadership and Structure
The leadership team consists of the CEO, CFO, COO, and other key executives. The organizational structure is hierarchical, with regional managers and department heads reporting to the executive team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans constitute a significant portion of Finward Bancorp's revenue. They compete with larger national banks and other regional banks in Northwest Ohio and market share is estimated to be around 5%. Competitors include Fifth Third Bancorp and Huntington Bancshares.
- Market Share: 0.05
- Market Share: 0.03
- Mortgages: Mortgages are offered to individuals for home purchases and refinancing. They compete with national mortgage lenders and local credit unions, market share is estimated to be around 3%. Competitors include Rocket Mortgage and U.S. Bank.
- Deposit Accounts: Various deposit accounts, including checking, savings, and money market accounts. The bank competes with other regional and national banks in this market, and their market share is estimated to be around 6%. Competitors include JP Morgan Chase and Bank of America.
- Market Share: 0.06
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, rising interest rates, and competition from fintech companies. Regional banks are consolidating to achieve economies of scale and enhance their technological capabilities.
Positioning
Finward Bancorp is positioned as a community-focused bank offering personalized service and local expertise. Their competitive advantages include strong customer relationships and a deep understanding of the local market.
Total Addressable Market (TAM)
The TAM for banking services in Northwest Ohio is estimated to be $5 billion annually. Finward Bancorp, with its focus on the local market, captures a portion of this TAM, emphasizing relationship-based banking.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on local economy
- Need for technology upgrades
Opportunities
- Expansion into new markets
- Development of new products and services
- Strategic acquisitions
- Increased digital banking adoption
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- FITB
- HBAN
- KEY
Competitive Landscape
Finward Bancorp faces competition from larger national banks, regional banks, and fintech companies. Its competitive advantage lies in its strong local presence and personalized service.
Major Acquisitions
Liberty Savings Bank
- Year: 2018
- Acquisition Price (USD millions): 35
- Strategic Rationale: Expanded Finward Bancorp's presence in Northwest Ohio and increased its deposit base.
Growth Trajectory and Initiatives
Historical Growth: Finward Bancorp has experienced steady growth over the past decade, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings, supported by favorable economic conditions and successful execution of strategic initiatives.
Recent Initiatives: Recent initiatives include expanding into new markets, launching new digital banking services, and investing in technology infrastructure.
Summary
Finward Bancorp demonstrates steady financial performance and a commitment to its local market, and is strategically positioned for future growth within the fragmented Northwest Ohio banking sector. Their focus on community-centric banking and a solid track record enhances their market position, while they must contend with competition from larger institutions and fintech disrupters. Strengthening their digital capabilities and broadening their services will ensure sustained growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
- Market data providers
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Finward Bancorp
Exchange NASDAQ | Headquaters Munster, IN, United States | ||
IPO Launch date 1998-03-17 | President, CEO & Director Mr. Benjamin J. Bochnowski | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 293 | Website https://www.ibankpeoples.com |
Full time employees 293 | Website https://www.ibankpeoples.com | ||
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 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 and multifamily 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, guardianships, land trusts, profit sharing and 401(k) retirement plans, IRA and Keogh accounts, and investment agency accounts, as well as acts as personal representative of estates, and trustee for revocable and irrevocable trusts. In addition, it provides insurance and annuity investments to wealth management customers; holds security investments and 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.
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