Finward Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	56.74	48.45	54.56	67.15	48.58
Net Interest Income Growth	17.12%	-11.20%	-18.75%	38.24%	5.87%
Non-Interest Income	9.3	22.65	10.75	11.51	15.95
Non-Interest Income Growth	-58.94%	110.75%	-6.63%	-27.83%	-12.13%
Revenues Before Loan Losses	66.04	71.09	65.3	78.66	64.52
Provision for Credit Losses	-0.21	-0.5	2.03	-	1.51
Revenue	66.25	71.6	63.28	78.66	63.01
Revenue Growth (YoY)	-7.47%	13.15%	-19.56%	24.83%	4.43%
Compensation Expenses	29.59	27.74	27.66	28.99	24.24
Selling, General & Admin	21.92	23.16	19.89	17.88	12.34
Other Non-Interest Expenses	6.62	7.25	7.68	15.23	10.06
Total Non-Interest Expense	58.14	58.14	55.23	62.1	46.64
Pretax Income	8.11	13.46	8.05	16.56	16.38
Provision for Income Taxes	0.02	1.33	-0.34	1.48	1.41
Net Income	8.09	12.13	8.38	15.08	14.96
Net Income to Common	8.09	12.13	8.38	15.08	14.96
Net Income Growth	-33.33%	44.75%	-44.43%	0.78%	-6.08%
Shares Outstanding (Basic)	4	4	4	4	3
Shares Outstanding (Diluted)	4	4	4	4	3
Shares Change (YoY)	0.41%	-0.18%	2.12%	20.60%	0.44%
EPS (Basic)	1.89	2.85	1.96	3.61	4.30
EPS (Diluted)	1.88	2.84	1.96	3.60	4.30
EPS Growth	-33.80%	44.90%	-45.56%	-16.28%	-6.52%
Free Cash Flow	-0.21	6.73	23.06	14.7	13.92
Free Cash Flow Growth	-	-70.81%	56.90%	5.63%	-13.04%
Free Cash Flow Per Share	-0.05	1.57	5.39	3.51	4.00
Dividends Per Share	0.480	0.480	1.050	1.240	1.240
Dividend Growth	-	-54.29%	-15.32%	-	-
Profit Margin	12.21%	16.94%	13.24%	19.17%	23.75%
FCF Margin	-0.31%	9.40%	36.45%	18.69%	22.08%
EBITDA	0	7.29	7.16	5.97	4.56
EBITDA Margin	0.00%	10.18%	11.32%	7.59%	7.24%
Effective Tax Rate	0.28%	9.85%	-4.16%	8.93%	8.63%

Updated Jan 27, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q