Finward Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	8.2	12.13	8.38	15.08	14.96	15.93
Depreciation & Amortization	6.44	7.29	7.16	5.97	4.56	3.2
Provision for Credit Losses	-0.7	-0.5	2.03	-	1.51	3.69
Stock-Based Compensation	0.47	0.57	0.72	0.74	0.57	0.42
Net Change in Loans Held-for-Sale	1.17	0.18	2.28	4.77	11.12	1.5
Other Adjustments	-1.76	-13.67	-2.74	-0.13	-7.91	-10.15
Changes in Accrued Interest and Accounts Receivable	-0.14	0.32	-0.62	-0.14	-0.73	-0.68
Changes in Accounts Payable	-0.71	-2.45	2.73	-	-	-
Changes in Accrued Expenses	-0.52	3.8	1.34	-3.48	-8.83	7.65
Changes in Other Operating Activities	1.33	2.14	2.93	-5.08	1.78	-1.82
Operating Cash Flow	12.97	9.81	24.21	17.73	17.04	19.74
Operating Cash Flow Growth	1445.29%	-59.50%	36.55%	4.03%	-13.64%	80.12%
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	-	-	2.46	-0.5	0.19	0.27
Net Change in Loans Held-for-Investment	31.58	0.76	-6.38	-96.66	12.35	-57.46
Net Change in Securities and Investments	12.1	27.35	14.69	65.06	-122.05	-124.99
Payments for Business Acquisitions	-	-	-	33.8	-	-
Capital Expenditures	-0.84	-3.07	-1.15	-3.03	-3.13	-3.74
Sale of Property, Plant & Equipment	0.67	17.68	0.8	1.8	-	-
Other Investing Activities	0.04	0.07	4.61	-1.59	-13.29	0.85
Investing Cash Flow	44.05	42.79	15.02	-1.13	-125.93	-185.06
Net Change in Deposits	1.84	-52.86	38.4	-134.22	131.86	148
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	5.39	1.99	22.62	0.92	0.72	2.36
Short-Term Debt Issued	60	150	80	120	-	-
Short-Term Debt Repaid	-60	-165	-120	-	-	-
Net Short-Term Debt Issued (Repaid)	-	-15	-40	120	-	-
Long-Term Debt Repaid	-	-	-	-	-6	-8
Net Long-Term Debt Issued (Repaid)	-	-	-	-	-6	-8
Common Dividends Paid	-1.56	-2.07	-5.34	-5.08	-4.31	-4.29
Other Financing Activities	-0.15	-0.09	-0.2	-0.12	-0.13	-0.09
Financing Cash Flow	-24.48	-68.02	15.49	-18.49	122.14	137.99
Net Cash Flow	32.53	-15.42	54.73	-1.89	13.25	-27.34
Free Cash Flow	12.13	6.73	23.06	14.7	13.92	16
Free Cash Flow Growth	80.21%	-70.81%	56.90%	5.63%	-13.04%	102.13%
FCF Margin	18.22%	9.40%	36.45%	18.69%	22.08%	26.52%
Free Cash Flow Per Share	2.83	1.57	5.39	3.51	4.00	4.62
Levered Free Cash Flow	13.76	5.17	-19.22	129.32	2.62	12.55
Unlevered Free Cash Flow	5.56	8.04	12.4	-5.76	-6.34	4.62

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

SEC Filings: 10-K · 10-Q