Finward Bancorp — Earnings Quality Grade A
FNWD · Financial Services
Strong financial health
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 43 days, change +3 days YoY
AR growth 0.8% vs revenue growth -7.1%
Revenue -7.1%, CFFO 1.0%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -72.3% vs revenue -7.1%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.22. Profits backed by cash
FCF $0.0B, FCF/NI = 1.12
Accruals ratio = -0.1%. Low accruals
Cash $0.1B covers debt $0.0B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 13% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -3% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Finward Bancorp is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25