Ems Find (OTCMKTS:INTV) vs. Finward Bancorp (NASDAQ:FNWD) Head to Head Contrast

Ems Find (OTCMKTS:INTV) and Finward Bancorp (NASDAQ:FNWD) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, institutional ownership, risk, dividends, analyst recommendations, earnings and valuation.

Earnings and Valuation

This table compares Ems Find and Finward Bancorp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Ems Find	$5.86 million	0.45	-$11.52 million	($0.90)	-0.48
Finward Bancorp	$101.06 million	1.58	$8.09 million	$1.88	19.55

Finward Bancorp has higher revenue and earnings than Ems Find. Ems Find is trading at a lower price-to-earnings ratio than Finward Bancorp, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Ems Find and Finward Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Ems Find	-320.01%	N/A	-160.85%
Finward Bancorp	8.00%	5.15%	0.39%

Analyst Recommendations

This is a breakdown of current ratings and target prices for Ems Find and Finward Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Ems Find	0	0	0	0	0.00
Finward Bancorp	0	2	1	0	2.33

Finward Bancorp has a consensus target price of $34.00, indicating a potential downside of 7.51%. Given Finward Bancorp’s stronger consensus rating and higher possible upside, analysts plainly believe Finward Bancorp is more favorable than Ems Find.

Risk and Volatility

Ems Find has a beta of 2.82, meaning that its share price is 182% more volatile than the S&P 500. Comparatively, Finward Bancorp has a beta of 0.33, meaning that its share price is 67% less volatile than the S&P 500.

Insider and Institutional Ownership

26.6% of Finward Bancorp shares are held by institutional investors. 30.1% of Ems Find shares are held by insiders. Comparatively, 13.1% of Finward Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Summary

Finward Bancorp beats Ems Find on 12 of the 14 factors compared between the two stocks.

About Ems Find

Integrated Ventures, Inc. engages in the mining of digital currency. The company manufactures and sells mining equipment and mining rigs; as well as develops blockchain software. It also provides transaction verification services for digital currency networks of cryptocurrencies, such as Bitcoin, Quant, and Dogecoin. The company is based in Tioga, Pennsylvania.

About Finward Bancorp

Finward Bancorp operates as the holding company for Peoples Bank that provides various banking products and services. The company’s deposit products include non-interest- and interest-bearing demand accounts, savings accounts, money market deposit accounts, certificate accounts, and retirement savings plans. Its loan products portfolio comprises residential mortgage loans that enable borrowers to purchase existing homes, refinance existing homes, or construct new homes; construction loans primarily to individuals and contractors; commercial real estate loans; consumer loans to individuals for personal, household, or family purposes; home equity line of credit; home improvement loans and equity loans; commercial business loans; government loans; and loans to municipalities. The company also offers estate and retirement planning, custodial services, guardianships, IRA accounts, and investment agency accounts, as well as serves as the personal representative of estates, and acts as trustee for revocable and irrevocable trusts. In addition, it provides insurance and annuity investments to wealth management customers; holds real estate properties; and operates as a real estate investment trust. The company was formerly known as NorthWest Indiana Bancorp and changed its name to Finward Bancorp in May 2021. Finward Bancorp was founded in 1916 and is headquartered in Munster, Indiana.