FNWD (Finward Bancorp) LT-Debt-to-Total-Asset: 0.03 (As of Mar. 2026)

What is Finward Bancorp LT-Debt-to-Total-Asset?

Finward Bancorp FNWD +1.90% 59 LT-Debt-to-Total-Asset is 0.03 as of Mar. 2026. GuruFocus rates FNWD with a GF Score™ of 59/100 and a GF Value™ of $28.27 (Modestly Overvalued). The stock has 2 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Finward Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.03.

Finward Bancorp's long-term debt to total assets ratio increased from Mar. 2025 (0.00) to Mar. 2026 (0.03). It may suggest that Finward Bancorp is progressively becoming more dependent on debt to grow their business.

Finward Bancorp (NAS:FNWD) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Finward Bancorp LT-Debt-to-Total-Asset Related Terms

Finward Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Finward Bancorp's LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Finward Bancorp LT-Debt-to-Total-Asset Chart

Finward Bancorp Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.00

0.06

0.04

0.03

0.02

Finward Bancorp Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.00	0.00	0.00	0.02	0.03

59GF Score

Finward Bancorp FNWD

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Finward Bancorp LT-Debt-to-Total-Asset Calculation

Finward Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	45	/	2021.181
	=	0.02

Finward Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	50	/	2015.156
	=	0.02

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.03 mean?

Finward Bancorp (FNWD) has a LT-Debt-to-Total-Asset of 0.03 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Finward Bancorp and its competitors.

Is Finward Bancorp's LT-Debt-to-Total-Asset too high?

Finward Bancorp's current LT-Debt-to-Total-Asset is 0.03. Overall, Finward Bancorp has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Finward Bancorp's LT-Debt-to-Total-Asset compare to RMBI and SLBK?

Finward Bancorp's LT-Debt-to-Total-Asset of 0.03 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Finward Bancorp and its competitors. Finward Bancorp's current LT-Debt-to-Total-Asset is 0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Finward Bancorp stock overvalued right now?

Based on GuruFocus' analysis, Finward Bancorp (FNWD) is currently considered Modestly Overvalued. The stock's GF Value™ is $28.27, compared to a current price of $34.78 — trading 23% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.03. Finward Bancorp's overall GF Score™ is 59/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Finward Bancorp (FNWD), the current LT-Debt-to-Total-Asset is 0.03 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Finward Bancorp (FNWD) Overvalued in 2026?

Based on GuruFocus' analysis, Finward Bancorp stock appears to be overvalued. The current stock price of $34.78 is trading 23% above its estimated GF Value™ of $28.27. GuruFocus considers Finward Bancorp to be Modestly Overvalued.

Key valuation signals for FNWD:

LT-Debt-to-Total-Asset: 0.03
GF Value™: $28.27 vs. price of $34.78 (23% above fair value)
GF Score™: 59/100 with 2 warning signs

No single metric tells the full story. See the FNWD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Finward Bancorp Business Description

Industry Financial Services Banks

Comparable Companies RMBI SLBK PRMY TYFG INBC SRBK TYCB ENBP AFBI DIMC SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address 9204 Columbia Avenue, Munster, IN, USA, 46321

Website https://www.ibankpeoples.com

Finward Bancorp is a bank holding company that engages in the provision of financial services. It offers products and services related to Personal Banking, Cash Management, Savings Account, ebanking, Wealth Management, and Insurance Services. It is engaged in the business of attracting deposits from the general public and the origination of loans, mostly upon the security of single-family residences and commercial real estate, construction loans, commercial business loans, and municipal loans. Geographically, the activities are carried out throughout the United States. The Company operates as a single reportable segment that derives its revenue mainly from the business of banking.

59GF Score

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$34.78

Price

$28.27

GF Value

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