Finward Bancorp Cash Flow 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 Income	8.09	12.13	8.38	15.08	14.96
Depreciation & Amortization	6.19	7.29	7.16	5.97	4.56
Provision for Credit Losses	-0.21	-0.5	2.03	-	1.51
Stock-Based Compensation	0.45	0.57	0.72	0.74	0.57
Net Change in Loans Held-for-Sale	1.4	0.18	2.28	4.77	11.12
Other Adjustments	-1.61	-13.67	-2.74	-0.13	-7.91
Changes in Accrued Interest and Accounts Receivable	-0.06	0.32	-0.62	-0.14	-0.73
Changes in Accounts Payable	-0.34	-2.45	2.73	-	-
Changes in Accrued Expenses	-5.83	3.8	1.34	-3.48	-8.83
Changes in Other Operating Activities	1.82	2.14	2.93	-5.08	1.78
Operating Cash Flow	9.9	9.81	24.21	17.73	17.04
Operating Cash Flow Growth	0.98%	-59.50%	36.55%	4.03%	-13.64%
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	-	-	2.46	-0.5	0.19
Net Change in Loans Held-for-Investment	57.65	0.76	-6.38	-96.66	12.35
Net Change in Securities and Investments	35.95	27.35	14.69	65.06	-122.05
Payments for Business Acquisitions	-	-	-	33.8	-
Capital Expenditures	-0.85	-3.07	-1.15	-3.03	-3.13
Sale of Property, Plant & Equipment	0.82	17.68	0.8	1.8	-
Other Investing Activities	1.31	0.07	4.61	-1.59	-13.29
Investing Cash Flow	94.88	42.79	15.02	-1.13	-125.93
Net Change in Deposits	-33.6	-52.86	38.4	-134.22	131.86
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-0.41	1.99	22.62	0.92	0.72
Short-Term Debt Issued	40	150	80	120	-
Short-Term Debt Repaid	-60	-165	-120	-	-
Net Short-Term Debt Issued (Repaid)	-20	-15	-40	120	-
Long-Term Debt Repaid	-	-	-	-	-6
Net Long-Term Debt Issued (Repaid)	-	-	-	-	-6
Common Dividends Paid	-1.56	-2.07	-5.34	-5.08	-4.31
Other Financing Activities	-0.15	-0.09	-0.2	-0.12	-0.13
Financing Cash Flow	-55.72	-68.02	15.49	-18.49	122.14
Net Cash Flow	49.06	-15.42	54.73	-1.89	13.25
Free Cash Flow	9.05	6.73	23.06	14.7	13.92
Free Cash Flow Growth	34.42%	-70.81%	56.90%	5.63%	-13.04%
FCF Margin	13.66%	9.40%	36.45%	18.69%	22.08%
Free Cash Flow Per Share	2.11	1.57	5.39	3.51	4.00
Levered Free Cash Flow	-10.98	5.17	-19.22	129.32	2.62
Unlevered Free Cash Flow	0.93	8.04	12.4	-5.76	-6.34

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

SEC Filings: 10-K · 10-Q