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Finward Bancorp $FNWD

Financials

Indiana

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Finward Bancorp (FNWD) is a Financials company. Latest news and coverage below.

Finward Bancorp revenue & net income history (FY2016–FY2025)

RevenueNet incomeNet margin (right axis, %)

Finward Bancorp annual financial statements
	FY2016Dec 2016	FY2017Dec 2017	FY2018Dec 2018	FY2019Dec 2019	FY2020Dec 2020	FY2021Dec 2021	FY2022Dec 2022	FY2023Dec 2023	FY2024Dec 2024	FY2025Dec 2025
Income statement
Revenue	$37.7M	$38.5M	$43.5M	$53.8M	$64.0M	$64.5M	$78.7M	$65.3M	$71.1M	$66.0M
Growth (year over year)	+10.1%	+2.3%	+12.8%	+23.9%	+19.0%	+0.8%	+21.9%	−17.0%	+8.9%	−7.1%
Net income	$9.14M	$8.96M	$9.34M	$12.1M	$15.9M	$15.0M	$15.1M	$8.38M	$12.1M	$8.09M
Net margin	24.3%	23.3%	21.5%	22.5%	24.9%	23.2%	19.2%	12.8%	17.1%	12.2%
EPS (diluted)	$3.20	$3.13	$3.17	$3.53	$4.60	$4.30	$3.60	$1.96	$2.84	$1.88
Balance sheet
Cash and equivalents	$44.2M	$11.0M	$17.1M	$47.3M	$14.0M	$12.7M	$20.0M	$17.9M	$17.9M	$18.3M
Total assets	$913.6M	$927.3M	$1.10B	$1.33B	$1.50B	$1.62B	$2.07B	$2.11B	$2.06B	$2.02B
Total liabilities	$829.5M	$835.2M	$994.7M	$1.19B	$1.34B	$1.46B	$1.93B	$1.96B	$1.91B	$1.85B
Shareholders' equity	$84.1M	$92.1M	$101.5M	$133.5M	$151.7M	$156.6M	$130.3M	$147.3M	$151.4M	$174.7M
Cash flow
Operating cash flow	$10.4M	$12.3M	$10.5M	$11.0M	$19.7M	$17.0M	$17.7M	$24.2M	$9.80M	$9.90M
Capital expenditure	$1.71M	$1.66M	$1.01M	$3.04M	$3.73M	$3.13M	$3.03M	$1.15M	$3.07M	$853.0K
Free cash flow	$8.68M	$10.6M	$9.53M	$7.92M	$16.0M	$13.9M	$14.7M	$23.1M	$6.73M	$9.05M
Dividends paid	$3.14M	$3.26M	$3.43M	$4.08M	$4.29M	$4.31M	$5.08M	$5.33M	$2.07M	$1.56M

RevenueNet incomeNet margin (right axis, %)

Finward Bancorp quarterly financial statements
	Q3 FY24^†Sep 2024	Q4 FY24^†Dec 2024	Q1 FY25^†Mar 2025	Q2 FY25^†Jun 2025	Q3 FY25^†Sep 2025	Q4 FY25^†Dec 2025	Q1 FY26^†Mar 2026	Q2 FY26^†Jun 2026
Income statement
Revenue	$14.9M	$16.3M	$15.5M	$16.6M	$17.4M	$16.5M	$17.5M	$17.6M
Growth (year over year)	−4.2%	+5.8%	−38.5%	+13.7%	+16.7%	+1.1%	+12.5%	+5.7%
Net income	$606.0K	$2.10M	$455.0K	$2.15M	$3.50M	$1.98M	$2.24M	$2.09M
Net margin	4.1%	12.9%	2.9%	12.9%	20.1%	12.0%	12.8%	11.9%
EPS (diluted)	$0.14	$0.50	$0.11	$0.50	$0.81	$0.46	$0.52	$0.48
Balance sheet
Cash and equivalents	$23.1M	$17.9M	$18.6M	$23.0M	$19.5M	$18.3M	$15.8M	$17.4M
Total assets	$2.07B	$2.06B	$2.04B	$2.06B	$2.05B	$2.02B	$2.02B	$2.04B
Total liabilities	$1.92B	$1.91B	$1.89B	$1.90B	$1.89B	$1.85B	$1.84B	$1.86B
Shareholders' equity	$159.6M	$151.4M	$151.8M	$154.3M	$165.5M	$174.7M	$172.4M	$178.3M
Cash flow
Operating cash flow	−$3.73M	$10.8M	−$3.81M	$4.77M	$1.20M	$7.74M	$3.63M	$4.74M
Capital expenditure	$508.0K	$222.0K	$183.0K	$278.0K	$152.0K	$240.0K	$135.0K	$234.0K
Free cash flow	−$4.23M	$10.6M	−$3.99M	$4.49M	$1.05M	$7.50M	$3.50M	$4.50M
Dividends paid	$522.0K	$517.0K	$518.0K	$2.00K	$519.0K	$518.0K	$520.0K	$520.0K

From Finward Bancorp's 10-K and 10-Q filings with the SEC; its fiscal year ends in December. Each period shows the latest figure the company has reported for it, including restatements. Net margin is our own calculation from those reported figures (net income ÷ revenue); it is left blank where revenue is zero or missing. † Quarter derived from the company's year-to-date or full-year totals. Filings on SEC EDGAR →