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Upturn AI SWOT - About
Finward Bancorp (FNWD)
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Upturn Advisory Summary
06/30/2025: FNWD (1-star) is currently NOT-A-BUY. Pass it for now.
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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $33
1 Year Target Price $33
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 6.48% | Avg. Invested days 60 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 118.30M USD | Price to earnings Ratio 35.06 | 1Y Target Price 33 |
Price to earnings Ratio 35.06 | 1Y Target Price 33 | ||
Volume (30-day avg) 2 | Beta 0.29 | 52 Weeks Range 24.11 - 33.22 | Updated Date 06/30/2025 |
52 Weeks Range 24.11 - 33.22 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 1.76% | Basic EPS (TTM) 0.78 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 5.38% | Operating Margin (TTM) 6.95% |
Management Effectiveness
Return on Assets (TTM) 0.16% | Return on Equity (TTM) 2.18% |
Valuation
Trailing PE 35.06 | Forward PE - | Enterprise Value 163600864 | Price to Sales(TTM) 1.93 |
Enterprise Value 163600864 | Price to Sales(TTM) 1.93 | ||
Enterprise Value to Revenue 1.93 | Enterprise Value to EBITDA - | Shares Outstanding 4325590 | Shares Floating 3387196 |
Shares Outstanding 4325590 | Shares Floating 3387196 | ||
Percent Insiders 21.64 | Percent Institutions 35.93 |
Analyst Ratings
Rating 2 | Target Price 33 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Finward Bancorp
Company Overview
History and Background
Finward Bancorp operates as the holding company for Peoples Bank SB, founded in 1910. It has grown through organic expansion and strategic acquisitions to serve communities in Northwest Indiana and Illinois.
Core Business Areas
- Commercial Banking: Offers a wide range of commercial lending and deposit products, including commercial real estate financing, equipment loans, and working capital lines of credit.
- Retail Banking: Provides consumer banking services such as checking and savings accounts, mortgage loans, and personal loans.
- Wealth Management: Offers wealth management and trust services to individuals and businesses.
Leadership and Structure
Benjamin Bochnowski serves as the President and CEO. The organizational structure includes various departments overseeing lending, operations, finance, and wealth management, reporting to the executive leadership team and board of directors.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offers financing for commercial properties. Market share data is unavailable at a granular level. Competitors include larger regional and national banks such as BMO and Fifth Third Bank.
- Mortgage Loans: Provides mortgage financing for residential properties. Market share data is unavailable at a granular level. Competitors include Rocket Mortgage and local credit unions.
- Checking and Savings Accounts: A core product for retail banking. Market share data is unavailable at a granular level. Competitors include Chase and Bank of America.
Market Dynamics
Industry Overview
The banking industry is currently facing a changing interest rate environment, increased regulatory scrutiny, and competition from non-bank financial institutions and fintech companies.
Positioning
Finward Bancorp is positioned as a community-focused bank with a strong presence in Northwest Indiana and Illinois. Its competitive advantage lies in its local expertise and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in Northwest Indiana and Illinois is estimated to be in the billions of dollars. Finward Bancorp's positioning allows it to capture a share of this market through its local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Experienced management team
- Diversified product offerings
- Solid capital base
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger competitors
- Dependence on local economy
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Strategic acquisitions
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- BMO
- Fifth Third Bancorp (FITB)
- Old National Bancorp (ONB)
Competitive Landscape
Finward Bancorp faces stiff competition from larger regional and national banks. Its advantage lies in its local focus and personalized service, but it must continue to innovate and expand its digital capabilities to remain competitive.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require specific financial data.
Future Projections: Future projections require specific financial data from analyst estimates.
Recent Initiatives: Recent initiatives include investments in technology and expansion of wealth management services.
Summary
Finward Bancorp is a community-focused bank with strengths in local relationships and diversified product offerings. Its limited geographic reach and smaller scale are weaknesses. Opportunities exist in market expansion and digital banking adoption, but it faces threats from larger competitors and economic uncertainty. It must continue to innovate.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data are estimates and may not be precise.
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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