Finward Bancorp / Fundamentals

    Income statement

    Net revenue
    €84.86M
    Cost of goods sold
    €25.19M
    Gross profit
    €40.22M
    SG&A expenses
    €19.75M
    R&D expenses
    €0.00
    EBITDA
    €9.66M
    D&A
    €4.68M
    EBIT
    €4.98M
    Interest expenses
    €32.78M
    EBT
    €4.98M
    Tax expenses
    €418.70K
    Net income
    €4.56M

    Cash flow statement

    Net deferred tax
    €0.00
    Non-cash items
    -€2.47M
    Changes in working capital
    -€1.69M
    Operating cash flow
    €6.90M
    Capex
    €1.02M
    Other investing cash flow
    €16.69M
    Net investing cash flow
    €25.98M
    Total cash dividends paid
    -€1.34M
    Issuance of common stock
    €0.00
    Debt repayment
    -€17.16M
    Other financing cash flow
    €2.96M
    Net financing cash flow
    -€15.54M
    Foreign exchange effects
    €0.00
    Net change in cash
    €17.34M
    Cash at end of period
    €88.73M
    Free cash flow
    €7.92M

    Balance sheet

    Cash and cash equivalents
    €19.76M
    Cash and short-term investments
    €301.05M
    Total receivables
    €1.28B
    Inventory
    €0.00
    Other current assets
    €0.00
    Total current assets
    €1.59B
    Property, plant & equipment
    €39.62M
    Goodwill
    €19.21M
    Intangible assets
    €1.21M
    Long-term investments
    €0.00
    Other non-current assets
    €0.00
    Total non-current assets
    €60.05M
    Total assets
    €1.77B
    Accounts payable
    €0.00
    Short-term debt
    €41.47M
    Other current liabilities
    -€41.47M
    Total current liabilities
    €0.00
    Long-term debt
    €55.77M
    Deferred tax liabilities
    €0.00
    Other non-current liabilities
    €0.00
    Total non-current liabilities
    €0.00
    Total liabilities
    €1.64B
    Common stock
    €0.00
    Retained earnings
    €121.45M
    Other equity
    -€49.39M
    Total equity
    €132.35M
    Total liabilities and shareholders' equity
    €1.77B

    Company information

    Market capitalization
    €100.91M
    Employees
    293
    Enterprise Value
    €106.27M

    Company ratios

    Gross margin
    47.4% Much worse than peer group: 83.1%
    EBITDA margin
    11.4% Worse than peer group: 21.2%
    EBIT margin
    5.9% Worse than peer group: 24.8%
    EBT margin
    5.9% Worse than peer group: 21.5%
    Net margin
    5.4% Worse than peer group: 15.6%
    ROE
    3.4% Even with peer group: 6.2%
    ROA
    0.3% Even with peer group: 0.7%
    Asset turnover
    4.8% Even with peer group: 4.6%
    FCF margin
    6.9% Worse than peer group: 16.3%
    FCF yield
    5.8%
    Efficiency ratio
    88.6%
    Net sales per employee
    €289.63K
    Net income per employee
    €15.56K

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