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Finward Bancorp
XNAS: FNWD
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XNAS 16 Oct, 2026 5:30 PM (EDT)

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Board Meeting
The next board meeting for Finward Bancorp is on 28 Oct 2026 for the purpose of Finward Bancorp Third Quarter Earnings Results for 2026See details

Finward Bancorp quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for Finward Bancorp share price target, revenues, EPS, net income and more

Finward Bancorp quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue Finward Bancorp Jun-2026 Quarterly Revenue is $18 Million which is growth of 6.8% YoY.

  • NEGATIVE

    Quarterly Net Profit Finward Bancorp Jun-2026 Quarterly Net Profit is $2 Million which is growth of -2.7% YoY.

Finward Bancorp, Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
17.817.516.517.416.615.516.314.914.625.315.515.517
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
-----------7.47.8
Operating Profit
-----------
⌄
-------------
Profit Before Tax
2.52.71.83.62.10.62.70.40.110.31.21.82.5
Tax
0.40.4-0.20.1-00.20.6-0.2-01-0.4-0.40.1
⌄
2.12.223.52.20.52.10.60.19.31.52.22.4
Diluted NI Avail to Com Stockholders Ann.
2.12.223.52.20.52.10.60.19.31.52.22.4
Basic EPS
0.50.50.50.80.50.10.50.102.20.40.50.6
Diluted EPS After ExtraOrdinary
0.50.50.50.80.50.10.50.10-0.30.30.50.6
Number Of Shares End
4.34.34.34.34.34.34.34.34.34.34.34.34.3
Net Income Continuing Discontinued Operations
2.12.223.52.20.52.10.60.19.31.52.22.4
Normalized Income
2.42.42.13.62.30.52.20.70.39.41.42.32.7
Interest Income
23.122.723.423.322.722.322.622.522.12222.321.821.6
Interest
7.97.78.48.98.791010.510.110.29.58.67.6
Net Interest Income
15.215.11514.41413.312.61212.111.812.713.114
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
11.31.51.51.61.61.82.11.71.72.11.82.2
Profit From Continuing Operations
2.12.223.52.20.52.10.60.19.31.52.22.4
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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Finward Bancorp competitor comparison and performance snapshot within industry

Finward Bancorp annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • NEGATIVE

    Annual Revenue Finward Bancorp Dec-2025 Annual Revenue is $66 Million which is growth of -7.1% YoY.

  • NEGATIVE

    Annual Net Profit Finward Bancorp Dec-2025 Annual Net Profit is $8 Million which is growth of -33.3% YoY.

Finward Bancorp, Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
-5.7%
0.6%
 6671.165.378.764.56453.843.538.537.734.2
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ----4.9-2.1-5.7-9.1-5.1-2.6-2.3-2
Operating Profit Ann.
-
-
 ---83.566.669.862.948.641.14036.2
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
-21.3%
-16.1%
10.58.113.5816.616.419.513.910.811.811.79.7
Tax Ann.
-
-
0.701.3-0.31.51.42.91.81.42.92.61.8
⌄
-18.7%
-13.4%
9.88.112.18.415.11516.612.19.399.17.9
Diluted NI Avail to Com Stockholders Ann.
-18.7%
-13.4%
9.88.112.18.415.11516.612.19.399.17.9
EPS Ann.
-19.2%
-16.9%
 1.92.923.64.34.83.53.33.13.22.8
Diluted EPS Ann.
-19.2%
-16.9%
 1.92.823.64.34.83.53.33.13.22.8
Number Of Shares End
0.8%
4.2%
 4.34.34.34.23.53.53.52.92.92.92.9
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
-18.7%
-13.4%
9.88.112.18.415.11516.612.19.399.17.9
Normalized Income Ann.
-20.8%
-12.6%
10.48.62.18.717.313.416.913.911.19.19.37.9
Interest Income Ann.
8.4%
12.2%
92.591.889.285.87250.751.652.339.533.432.429.4
Interest Ann.
92.6%
43.8%
32.83540.731.24.92.15.79.15.12.62.32
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
1.1%
14.1%
5.36.27.37.264.63.222.72.62.62.3
Profit From Continuing Operations Ann.
-18.7%
-13.4%
9.88.112.18.415.11516.612.19.399.17.9
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
-7.2%
2Y CAGR
0.5%
3Y CAGR
-5.7%
5Y CAGR
0.6%
7Y CAGR
6.1%
10Y CAGR
6.8%
Total Revenue Annual is falling faster than historical averages.
Net Profit Ann.
1Y CHG
-33.1%
2Y CAGR
-1.8%
3Y CAGR
-18.7%
5Y CAGR
-13.4%
7Y CAGR
-2%
10Y CAGR
0.3%
Net Profit Annual is falling faster than historical averages.

Finward Bancorp balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund Finward Bancorp Dec-2025 Total Shareholders Fund is $175 Million which is growth of 15.4% YoY.

  • NEGATIVE

    Total Assets Finward Bancorp Dec-2025 Total Assets is $2,021 Million which is growth of -1.9% YoY.

Finward Bancorp, Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
-0.8%
6.2%
2,021.22,060.72,108.32,070.31,620.71,497.51,328.71,096.2927.3913.6864.9
⌄
-1.5%
6.5%
1,846.51,909.31,960.91,9341,464.11,344.61,194.6994.7835.2829.5784
⌄
8.6%
2.7%
174.7151.4147.3136.4156.6152.9134.1101.592.184.180.9
Total Capitalization Ann.
-5%
6.7%
219.7216.4227.3256.4-159.1148.1144.5112.9109.9120.4
Tangible Assets Ann.
11.4%
1.3%
151.1127.2121.7109.2142.4141.812393.389.381.378.4
Working Capital Ann.
-
-
---
Invested Capital Ann.
-5%
6.7%
219.7216.4227.3256.4-159.1148.1144.5112.9109.9120.4
Tangible Book Value Ann.
11.4%
1.3%
151.1127.2121.7109.2142.4141.812393.389.381.378.4
Borrowings Ann.
-27.9%
48.6%
456580120-6.2144320.925.839.5
Net Debt Ann.
-
-
---86.4---24.68.5-28.8
Share Issued Ann.
0%
4.2%
4.34.34.34.33.53.53.532.92.92.9
Number Of Shares End
0.8%
4.2%
4.34.34.34.23.53.53.52.92.92.92.9
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
-1.9%
2Y CAGR
-2.1%
3Y CAGR
-0.8%
5Y CAGR
6.2%
7Y CAGR
9.1%
10Y CAGR
8.9%
Total Assets Annual is falling faster than historical averages.
Total ShareHolders Funds Ann.
1Y CHG
15.4%
2Y CAGR
8.9%
3Y CAGR
8.6%
5Y CAGR
2.7%
7Y CAGR
8.1%
10Y CAGR
8%
Total ShareHolders Funds Annual growth is higher than historical averages.

Finward Bancorp ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share Finward Bancorp Book Value Per Share is $40 which is growth of 9.1% YoY.

  • NEUTRAL

    ROE Finward Bancorp ROE is 0% which is growth of 0% YoY.

Finward Bancorp, Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-0.58%0.40%0.82%0.96%1.18%1.00%0.92%0.97%1.03%0.96%
ROE Ann. %
-
-
-8.12%5.91%10.29%9.67%11.57%10.27%9.65%10.17%11.08%10.00%
ROIC %
-
-
-----------
OPM Ann. %
-
-
---106.21%103.22%108.96%116.89%111.71%106.73%106.23%105.88%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-00000.100000
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-0.40.50.9-00.10.40.20.30.5
*All financials are in USD Million and price data in USD
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Finward Bancorp cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • POSITIVE

    Cash From Operating Activity Finward Bancorp Dec-2025 Cash From Operating Activity is $10 Million which is growth of 1.0% YoY.

  • POSITIVE

    Net Cash Flow Finward Bancorp Dec-2025 Net Cash Flow is $49 Million which is growth of 418.1% YoY.

Finward Bancorp, Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
-17.8%
-14.1%
9.99.824.217.81721.21110.512.310.49.5
⌄
-
-
94.942.815-1.2-125.9-186.6-28.2-31.2-47.8-20.4-44.8
⌄
-
-
-55.7-6815.5-18.5122.1138.147.326.72.343.624.9
Cash Plus Cash Eqv. End Of Year Ann.
56.4%
43.2%
119.770.68631.333.219.947.317.11145.111.5
Net Increase In Cash Plus Cash Eqv.s Ann.
-
-
49.1-15.454.7-1.913.3-27.330.16.1-33.233.6-10.4
Cash Plus Cash Eqv. Begin Of Year Ann.
28.6%
8.3%
70.68631.333.219.947.317.11144.211.522
Income Tax Paid Supplemental Data Ann.
-47.7%
-27.5%
0.20.40.21.42.211.61.11.92.72
Interest Paid Supplemental Data Ann.
97.2%
43%
35.343.228.54.62.15.99.152.62.42
Capex Ann.
-
-
-0.9-3.1-1.2-3-3.1-3.7-3-1-1.7-1.7-1.3
Issuance Of Capital Stock Ann.
-
-
-----------
Issuance Of Debt Ann.
-30.7%
75.5%
40150801200.72.4779.41111.1
Repayment Of Debt Ann.
-
-
-60-165-120-6-8-29.1-54.6-17-29.2-8
Repurchase Of Capital Stock Ann.
-
-
-----------
Free Cash Flow Ann.
-14.8%
-12.2%
9.16.723.114.713.917.47.99.510.68.78.2
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
1%
2Y CAGR
-36%
3Y CAGR
-17.8%
5Y CAGR
-14.1%
7Y CAGR
-0.8%
10Y CAGR
0.4%
Cash from Operating Activity Annual growth is higher than historical averages.
Cash from Investing Act. Ann.
1Y CHG
121.7%
2Y CAGR
151.5%
Cash from Investing Activity Annual growth is lower than historical averages.
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