Finward Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

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
Net Interest Income	58.06	56.74	48.45	54.56	67.15	48.58
Net Interest Income Growth	18.00%	17.12%	-11.20%	-18.75%	38.24%	5.87%
Non-Interest Income	9.49	9.3	22.65	10.75	11.51	15.95
Non-Interest Income Growth	-16.79%	-58.94%	110.75%	-6.63%	-27.83%	-12.13%
Revenues Before Loan Losses	67.54	66.04	71.09	65.3	78.66	64.52
Provision for Credit Losses	-0.6	-0.21	-0.5	2.03	-	1.51
Revenue	68.15	66.25	71.6	63.28	78.66	63.01
Revenue Growth (YoY)	12.36%	-7.47%	13.15%	-19.56%	24.83%	4.43%
Compensation Expenses	29.81	29.59	27.74	27.66	28.99	24.24
Selling, General & Admin	22.28	21.92	23.16	19.89	17.88	12.34
Other Non-Interest Expenses	6.34	6.62	7.25	7.68	15.23	10.06
Total Non-Interest Expense	58.43	58.14	58.14	55.23	62.1	46.64
Pretax Income	10.16	8.11	13.46	8.05	16.56	16.38
Provision for Income Taxes	0.29	0.02	1.33	-0.34	1.48	1.41
Net Income	9.87	8.09	12.13	8.38	15.08	14.96
Net Income to Common	9.87	8.09	12.13	8.38	15.08	14.96
Net Income Growth	198.76%	-33.33%	44.75%	-44.43%	0.78%	-6.08%
Shares Outstanding (Basic)	4	4	4	4	4	3
Shares Outstanding (Diluted)	4	4	4	4	4	3
Shares Change (YoY)	0.41%	0.41%	-0.18%	2.12%	20.60%	0.44%
EPS (Basic)	2.30	1.89	2.85	1.96	3.61	4.30
EPS (Diluted)	2.29	1.88	2.84	1.96	3.60	4.30
EPS Growth	197.40%	-33.80%	44.90%	-45.56%	-16.28%	-6.52%
Shares Outstanding	4.33	4.33	4.31	4.3	4.3	3.48
Free Cash Flow	16.54	9.05	6.73	23.06	14.7	13.92
Free Cash Flow Growth	82.80%	34.42%	-70.81%	56.90%	5.63%	-13.04%
Free Cash Flow Per Share	3.85	2.11	1.57	5.39	3.51	4.00
Dividends Per Share	0.360	0.360	0.480	1.050	1.240	1.240
Dividend Growth	-	-25.00%	-54.29%	-15.32%	-	-
Profit Margin	14.49%	12.21%	16.94%	13.24%	19.17%	23.75%
FCF Margin	24.27%	13.66%	9.40%	36.45%	18.69%	22.08%
EBITDA	5.92	6.19	7.29	7.16	5.97	4.56
EBITDA Margin	8.68%	9.35%	10.18%	11.32%	7.59%	7.24%
Effective Tax Rate	2.81%	0.28%	9.85%	-4.16%	8.93%	8.63%

SEC Filings: 10-K · 10-Q