Finward Bancorp (FNWD)

NASDAQ: FNWD · Real-Time Price · USD

44.46

+0.10 (0.23%)

At close: Jul 31, 2026, 4:00 PM EDT

44.42

-0.04 (-0.09%)

After-hours: Jul 31, 2026, 7:34 PM EDT

Finward Bancorp Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Revenue	1.08	66.25	71.6	63.28	78.66	63.01
Revenue Growth	-93.01%	-7.47%	13.15%	-19.56%	24.83%	4.43%
Net Income	9.82	8.09	12.13	8.38	15.08	14.96
Earnings Per Share	2.27	1.88	2.84	1.96	3.60	4.30
EPS Growth	83.06%	-33.80%	44.90%	-45.56%	-16.28%	-6.52%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Cash & Equivalents	94.64	119.65	70.58	86.01	31.28	33.18
Total Debt	65	45	65	80	120	0
Net Cash (Debt)	-65	-45	-65	-80	-120	-0
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-15.10	-10.48	-15.21	-18.68	-28.62	-

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Operating Cash Flow	17.35	9.9	9.81	24.21	17.73	17.04
Capital Expenditures	-0.81	-0.85	-3.07	-1.15	-3.03	-3.13
Free Cash Flow	16.54	9.05	6.73	23.06	14.7	13.92
Free Cash Flow Growth	375.97%	34.42%	-70.81%	56.90%	5.63%	-13.04%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Pretax Margin	973.12%	12.24%	18.79%	12.71%	21.05%	25.99%
Profit Margin	967.29%	12.21%	16.94%	13.24%	19.17%	23.75%
FCF Margin	0.00%	13.66%	9.40%	36.45%	18.69%	22.08%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 1, 2026	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
Dividend Per Share	0.480	0.360	0.480	1.050	1.240	1.240
Dividend Per Share Growth	0%	-25.00%	-54.29%	-15.32%	0%	0%
Dividend Yield	1.08%	1.04%	1.73%	4.95%	3.36%	2.70%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 1, 2026	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
PE Ratio	19.60	18.72	9.90	12.88	10.06	10.67
Forward PE	15.02	14.19	33.27	17.05	8.80	-
P/FCF Ratio	11.65	16.83	18.01	4.70	10.59	11.48
PS Ratio	2.79	2.30	1.69	1.71	1.98	2.53