Finward Bancorp vs Provident Financial
FNWD and PROV side by side, both in savings institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How FNWD and PROV compare
Finward Bancorp is the larger company, worth 1.7 times as much as Provident Financial ($189M against $114M).
On earnings, Provident Financial is cheaper: it trades at 17.8× trailing earnings, against 19.2× for Finward Bancorp.
Finward Bancorp grew revenue faster over the last twelve months (8.8% versus 4.2% for Provident Financial).
Provident Financial keeps more of each dollar of sales as profit, with a net margin of 16.0% compared with 14.2% at Finward Bancorp.
Both pay dividends: Finward Bancorp yields 1.1% and Provident Financial 3.8%.
Provident Financial scores higher on the StockData Score (9 against 6 for Finward Bancorp), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | FNWD | PROV |
|---|---|---|
| Size and price | ||
| Market cap | $189M | $114M |
| Share price | $43.63 | $18.32 |
| Change, 1 year | 30.7% | 20.1% |
| Change, 5 years | −8.7% | 9.2% |
| Beta (5Y) | 0.12 | 0.17 |
| Employees | 318 | 158 |
| StockData Score | ||
| Total score | 6 | 9 (better) |
| Valuation score | 1 | 2 (better) |
| Growth score | 1 | 1 |
| Performance score | 0 | 0 |
| Health score | 1 | 2 (better) |
| Dividend score | 3 | 4 (better) |
| Valuation | ||
| P/E | 19.2× | 17.8× (better) |
| P/S | 2.7× (better) | 2.8× |
| P/B | 1.1× | 0.9× (better) |
| P/FCF | 11.4× | 11.0× (better) |
| FCF yield | 8.8% | 9.1% (better) |
| Fair value | $33.39 | $16.14 |
| Margin of safety | −30.7% | −13.5% (better) |
| Growth | ||
| Revenue growth (TTM) | 8.8% (better) | 4.2% |
| Revenue growth, 5Y average | 0.62% | 2.6% (better) |
| Net income growth (TTM) | 84.8% (better) | 8.5% |
| EPS growth (TTM) | 83.1% (better) | 14.4% |
| EPS growth, 5Y average | −16.4% | 0.59% (better) |
| Profitability | ||
| Net margin | 14.2% | 16.0% (better) |
| FCF margin | 24.0% | 25.3% (better) |
| Return on equity | 5.9% (better) | 5.2% |
| Financial health | ||
| Altman Z-score | 0.20 | 0.35 (better) |
| Piotroski F-score | 4 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.1% | 3.8% (better) |
| Payout ratio | 21.2% | 54.2% |
| Years of dividend growth | 0 | 0 |
| Dividend growth, 5Y average | −21.9% | 0.00% (better) |
| Buyback yield | – | 5.8% |
| Shareholder yield | 1.1% | 9.6% (better) |
| Ownership | ||
| Held by institutions | 46.8% | 57.0% |
| Held by insiders | 13.1% | 9.5% |
| Insider net buying, 12 months | $14.6K (better) | −$236K |
| Short interest, % of float | 2.8% | 0.25% |
Go deeper
- FNWD stock overview
- FNWD income statement
- FNWD valuation and score
- PROV stock overview
- PROV income statement
- PROV valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.