Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/76117a89-bffc-48d4-97a7-ebe1bece5ac9/
FNWD
Finward BancorpSnapshot 2026-06-07 · 0.0w · Fresh
Strategy Eligibility
6 of 23 passing
★
OS Composite
OS 0.850
↗
Trending Value
✗
◆
Quality × Value
QV 0.782
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 14.1
◇
VC2 Cheapest
✗
📐
EBITDA/EV
11.9%
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
✗
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 90th
🛡
Low Volatility
Vol 24%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
90.0%ile
P/E
14.1×
P/S
1.4×
P/B
0.8×
E/P
0.0707
FCF Yield
0.166
EBITDA/EV
0.119
SH Yield
0.011
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
12.00000000
/100 — 1=cheapest
VC2 (Trending Value)
13.00000000
/100
VC3 (Buyback)
13.00000000
/100
FCF yield of 16.6% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
68.0%ile
ROE
0.057
ROA
0.005
Net Margin
0.097
Op Margin
0.100
GPA
0.034
D/E
10.69
Current
0.07
F-Score
6/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.007
Earn Growth
1.988
Stability
0.693
lower=better
Accruals
-0.004
lower=better
5yr Consist
No
Highly leveraged with D/E of 10.69 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
28.0%ile
6M Return
-15.3%
12M Return
10.2%
12-1 Mom
7.8%
Risk-Adj
0.33
Vol 252d
23.5%
Vol 60d
51.4%
↑ Expanding
Max DD 12M
-17.9%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
Near-term vol (51%) is expanding vs long-term (24%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.85
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services
· 500 peers
Sector Value %ile
76.4%
Sector Quality %ile
34.3%
P/E z-score
0.01
P/B z-score
-0.08
Sector Avg OS
86.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
Factor Interactions
Volatility Expanding
60-day vol (51%) significantly exceeds 252-day (24%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
71.2% avg (7 factors)
Quality
F
22.4% avg (8 factors)
Momentum
D
35.0% avg (4 factors)
Risk
A
77.5% avg (1 factors)
Deep value territory, but quality is concerning. This is either a turnaround opportunity or a value trap — the F-Score and accruals ratio will be key differentiators. Momentum is weak, suggesting the market isn't yet buying this thesis. Patience required.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
| Factor | Current | Streak | Trend | Spark |
|---|---|---|---|---|
| OS Composite | 0.850 | —1 | — | |
| Value %ile | 0.900 | —1 | — | |
| Quality %ile | 0.680 | —0 | — | |
| Momentum %ile | 0.280 | —1 | — | |
| F-Score | 6.000 | —0 | — | |
| Confidence | 1.000 | —1 | — | |
| Volatility | 0.235 | —0 | — |
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
14.14
Earnings Yield (E/P)
0.0707
Price / Sales
1.37
Price / Book
0.81
Price / Cash Flow
8.05
FCF Yield
16.6%
EBITDA / EV
11.9%
Sales Yield (1/P·S)
0.9098
Shareholder Yield
Div + net buyback / mktcap
1.1%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
5.7%
Return on Assets
0.5%
Net Margin
9.7%
Operating Margin
10.0%
Gross Profit / Assets
Novy-Marx GPA
3.4%
Debt / Equity
10.69
Current Ratio
0.07
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.004
MomentumPrice trend strength over different horizons
6M Return
-15.3%
12M Return
10.2%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
7.8%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.33
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
0.7%
Earnings Growth (YoY)
198.8%
Earnings Stability (CV)
Lower = more stable
0.693
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
6
Dividend Yield
1.1%
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
12
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
13
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
13
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity