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FNWD vs V

FNWD
Finward Bancorp
NEUTRAL
Price
$35.04
Market Cap
$151.7M
Sector
Financial Services
AI Confidence
75%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
FNWD
18.64
V
28.35
Forward P/E
FNWD
11.47
V
20.79
P/B Ratio
FNWD
0.87
V
15.09
P/S Ratio
FNWD
2.29
V
14.08
EV/EBITDA
FNWD
--
V
20.06

Profitability

Gross Margin
FNWD
0.0%
V
97.78%
Operating Margin
FNWD
13.46%
V
68.3%
Profit Margin
FNWD
12.21%
V
50.23%
ROE
FNWD
4.96%
V
53.95%
ROA
FNWD
0.4%
V
18.36%

Growth

Revenue Growth
FNWD
-1.9%
V
14.6%
Earnings Growth
FNWD
-5.7%
V
17.4%

Financial Health

Debt/Equity
FNWD
--
V
0.55
Current Ratio
FNWD
--
V
1.11
Quick Ratio
FNWD
--
V
0.72

Dividends

Dividend Yield
FNWD
1.37%
V
0.89%
Payout Ratio
FNWD
25.53%
V
22.91%

AI Verdict

FNWD NEUTRAL

Finward Bancorp presents a complex profile with a stable Piotroski F-Score of 4/9 and a valuation that sits comfortably below its Graham Number ($41.32) and Book Value (P/B 0.87). While the company has shown an impressive recent trend of earnings beats and a massive YoY EPS recovery (+176.7%), this is contrasted by negative YoY revenue growth and a bearish technical trend. The significant gap between the Graham Number and the growth-based Intrinsic Value ($13.16) suggests the market is pricing in a recovery that hasn't fully materialized in top-line growth. Overall, it is a value play with improving earnings power but stagnant growth and poor capital efficiency.

Strengths
Trading at a discount to book value (P/B 0.87)
Current price is below the Graham Number ($41.32)
Strong recent earnings track record with significant beats in the last 4 quarters
Risks
Negative YoY revenue growth (-1.90%) and earnings growth (-5.70%) in summary metrics
Low Return on Equity (4.96%) and Return on Assets (0.40%)
Bearish technical trend (0/100)
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

FNWD vs V: Head-to-Head Comparison

This page compares Finward Bancorp (FNWD) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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