Stock Titan report covering Finward Bancorp (FNWD) market action, institutional positioning, and fundamental catalysts.
Why FNWD Stock slipped -1.34% Today — RQD Quant Desk Flash
Finward Bancorp (FNWD) carries a Roarable Rating of C+ (Hold) with 66/100 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.
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Is FNWD stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, Finward Bancorp (NASDAQ: FNWD) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $43.31 (-1.34% 1D, market cap $190.2M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, FNWD ranks #263 in composite RQD confidence.
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How does FNWD compare to BVFL and FCAP in the Financials sector?
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Within the Financials sector (Savings Institutions), FNWD carries a Roarable C+ (66/100 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 (69/100 RQD, P/E 14.0x, ROIC 7.3%, cap $189.1M) and FCAP (First Capital Inc.) posts a C+ grade (67/100 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).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for FNWD?
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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: 84% of 52W Range • RSI-14 at 60.7 (BULLISH MOMENTUM)
SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)
Capital intensity & 0% operating margin leave 8 pts on the table
⚔️ Adversarial Opposing Case: Why the FNWD Bull Thesis Could Fail
Even with a 66/100 (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 ($38.12) invalidates the momentum regime and cuts Target Base ($44.87) toward Bear Floor ($35.00).
Why FNWD Stock slipped -1.34% Today — RQD Quant Desk Flash
Finward Bancorp (FNWD) slipped -1.34% to $43.31, trading at 84% 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.
- ▸Technical Tape: Trading at 84% of its 52-week range ($30.05 – $45.9) with RSI-14 at 60.7 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.3% around $43.31 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 52% gross margin and $9.0M annual free cash flow.
Morningstar report covering Finward Bancorp (FNWD) market action, institutional positioning, and fundamental catalysts.
www.marketscreener.com report covering Finward Bancorp (FNWD) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Finward Bancorp (FNWD) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Finward Bancorp (FNWD) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Finward Bancorp (FNWD) market action, institutional positioning, and fundamental catalysts.
Stock Traders Daily report covering Finward Bancorp (FNWD) market action, institutional positioning, and fundamental catalysts.
Business Wire report covering Finward Bancorp (FNWD) market action, institutional positioning, and fundamental catalysts.
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
Scheduled RQD Strong Buys & Whale Accumulation Briefing (FNWD Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
FNWD Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
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.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FNWD)
1. Head-to-Head Financials Peer Comparison (FNWD vs. BVFL, FCAP, FGBI, CZWI)
Industry: Savings Institutions (33 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, Finward Bancorp (FNWD) ranks #263 by composite RQD confidence (66/100, 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. BVFL currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with FNWD at 66/100 (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+ | 66/100 | 23.5x | — | 4.6% | -1.34% | $190.2M | Benchmark Subject |
| BVFL BV Financial Inc. | C+ | 69/100 | 14.0x | — | 7.3% | -1.93% | $189.1M | /bvfl-vs-fnwd → |
| FCAP First Capital Inc. | C+ | 67/100 | 13.0x | — | 11.9% | -1.89% | $213.4M | /fcap-vs-fnwd → |
| FGBI First Guaranty Bancshares Inc. | D- | 40/100 | — | — | -16.1% | -1.84% | $161.6M | /fgbi-vs-fnwd → |
| CZWI Citizens Community Bancorp Inc. | C | 62/100 | 15.8x | — | 7.7% | -1.01% | $228.4M | /czwi-vs-fnwd → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000919864In 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 | — | — |
3. FNWD Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs FNWD stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-02, Finward Bancorp (NASDAQ: FNWD) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $43.31 (-1.34% 1D, market cap $190.2M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, FNWD ranks #263 in composite RQD confidence.
How does FNWD compare to BVFL and FCAP in the Financials sector?
Within the Financials sector (Savings Institutions), FNWD carries a Roarable C+ (66/100 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 (69/100 RQD, P/E 14.0x, ROIC 7.3%, cap $189.1M) and FCAP (First Capital Inc.) posts a C+ grade (67/100 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).
What are the biggest fundamental strengths and SEC risk factors for FNWD?
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.
Where is FNWD trading relative to its 50-day, 200-day, and 52-week technical levels?
FNWD last traded at $43.31 (-1.34% on volume of 3,885 shares), positioning the stock +1.48% above its 50-day simple moving average ($42.68) and +13.61% above its 200-day simple moving average ($38.12). Across its 52-week range of $30.05 to $45.90, FNWD sits at the 83.7% percentile with a 14-day RSI of 60.7 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.3% ($41.45 to $45.17).
FNWD Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is FNWD stock moving today?
Why FNWD Stock slipped -1.34% 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.
FNWD — Finward Bancorp: What the Facts Mean to a Prospective Investor
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD rating, FNWD scores 66 out of 100, a C+ grade, with the verdict "Roarable Hold — Upper Neutral / Watch for Breakout." The five pillars are: Fundamental Cash Engine at 12/20 (ROIC 4.6%; FCF yield 4.76%), Whale 13F Flow at 13/20 (institutional accumulation and options positioning), Insider Conviction at 14/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 14/20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet at 13/20 (Altman Z 2.5; Piotroski F 4/9; Debt/Equity 0.5). The weakest pillar is the Fundamental Cash Engine, where ROIC of 4.6% and an FCF yield of 4.76% sit well below the pillar maximum, which is the main reason the composite lands in the upper-neutral band rather than higher. The Macro Regime Fit and Insider Conviction pillars are the strongest at 14/20 each, indicating a beta of 1.0 and reported insider flow that the rating treats as moderately supportive. For a prospective investor evaluating the stock today, the rating points to a mixed picture: the cash-generation and profitability metrics are modest, while the balance-sheet and positioning signals are neither alarming nor compelling. The "Watch for Breakout" label implies the rating is waiting on confirmation rather than signaling a directional call.
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $0.0M | $0.0M | $8.1M | N/A | $9.0M | N/A | N/A |
| FY 2024 | $0.0M | $0.0M | $12.1M | N/A | $6.7M | N/A | N/A |
| FY 2023 | $0.0M | $0.0M | $8.4M | N/A | $24.2M | N/A | N/A |
Per the SEC financials, reported net income was $8.1M in FY 2025, $12.1M in FY 2024, and $8.4M in FY 2023, with free cash flow of $9.0M, $6.7M, and $24.2M respectively. Margin fields (gross, operating, net) are reported as 0% in the market data and are not usable for margin analysis. Per the market data, ROIC is 4.6%. The Altman Z-Score (2.5), Piotroski F-Score (4/9), and Debt/Equity (0.5) are cited within the Roarable RQD rating's forensic pillar. Cash and debt values are not available in source data.
Recent Catalysts & News Wire Analysis
Per the recent catalysts feed, the most recent headline reports that profit fell to $1.4 million, which the source attributes to expenses tied to a pending merger, flagged YELLOW. A Morningstar item references FNWD in a fair-deal discussion, also YELLOW. An earnings-results release covers the third quarter and nine months ended September 30, 2026, flagged YELLOW. A MarketBeat item notes an expected quarterly earnings release on Tuesday, flagged YELLOW. A TradingView item reports a $1.4 million third-quarter profit alongside an improving net interest margin, flagged YELLOW. The most severe item is a MarketBeat report that FNWD posted earnings results and missed estimates by $0.43 EPS, flagged RED under "RISK WATCH." The butterfly supply-chain graph contains no links and no proprietary signals.
Open Questions
- What is the scale and status of the pending merger referenced in the news feed, and how much of the reported profit decline is attributable to merger-related expenses?
- What are FNWD's reported revenue, operating income, cash, debt, and EPS figures, which the financials section currently lists as $0.0M or N/A?
- What is the explanation for the reported $0.43 EPS miss, and how does it relate to the RED risk-watch flag?
- Who are the analysts covering the stock, and what are their ratings and price targets?
- What institutional and insider ownership positions exist, given that the holders section is empty?
FNWD Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Finward Bancorp (FNWD) • Click "Debate This Headline" to argue it in the Roar Pit below
Stock Titan report covering Finward Bancorp (FNWD) market action, institutional positioning, and fundamental catalysts.
Morningstar report covering Finward Bancorp (FNWD) market action, institutional positioning, and fundamental catalysts.
www.marketscreener.com report covering Finward Bancorp (FNWD) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Finward Bancorp (FNWD) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Finward Bancorp (FNWD) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Finward Bancorp (FNWD) market action, institutional positioning, and fundamental catalysts.
Stock Traders Daily report covering Finward Bancorp (FNWD) market action, institutional positioning, and fundamental catalysts.
Business Wire report covering Finward Bancorp (FNWD) market action, institutional positioning, and fundamental catalysts.
FNWD Bull vs. Bear Conversation Board — What's Your Call at $43.31?
🔥 Official Bull vs. Bear Debate: Is FNWD (C+ • RQD 66/100) a Buy at $43.90?
Welcome to the FNWD (Finward Bancorp) Roar Pit. Current RQD Composite is 66/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Savings Institutions. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Pump the brakes on FNWD — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on FNWD, but look at what you are paying: 23.5x trailing P/E with tightening sector spreads. Unless Finward Bancorp expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
FNWD cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on FNWD, the market is fixating on short-term headline noise in Savings Institutions and ignoring the balance sheet and cash flow trajectory. At $43.90 (52-wk range $30.05 - $45.90), any beat on forward guidance forces shorts and underweight funds to chase.