Finward Bancorp (FNWD)
NASDAQ: FNWD · Real-Time Price · USD
43.42
+0.06 (0.14%)
Aug 21, 2026, 10:35 AM EDT - Market open
Finward Bancorp Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
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 |
Gain (Loss) on Sale of Assets | 0.06 | -11.66 | -0.26 | 0.29 | -0.05 |
Gain (Loss) on Sale of Investments | 1.49 | -0.71 | 0.05 | -0.66 | -1.99 |
Total Asset Writedown | - | - | - | 1.23 | - |
Provision for Credit Losses | -0.21 | -0.5 | 2.03 | - | 1.51 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 1.4 | 0.18 | 2.28 | 4.77 | 11.12 |
Accrued Interest Receivable | -0.06 | 0.32 | -0.62 | -0.14 | -0.73 |
Change in Other Net Operating Assets | -2.41 | 7.3 | 4.35 | -8.56 | -7.04 |
Other Operating Activities | -3.51 | -1.57 | -1.51 | 0.48 | -0.35 |
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% |
Investing Activities
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 |
Capital Expenditures | -0.85 | -3.07 | -1.15 | -3.03 | -3.13 |
Sale of Property, Plant and Equipment | 0.82 | 17.68 | 0.8 | 1.8 | - |
Cash Acquisitions | - | - | - | 33.8 | - |
Investment in Securities | 35.95 | 27.35 | 17.14 | 64.55 | -121.86 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | 57.65 | 0.76 | -1.85 | -96.66 | -2.2 |
Other Investing Activities | 1.31 | 0.07 | 0.08 | -1.59 | 1.26 |
Investing Cash Flow | 94.88 | 42.79 | 15.02 | -1.13 | -125.93 |
Financing Activities
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 |
Short-Term Debt Issued | - | 1.99 | 80 | 120 | - |
Long-Term Debt Issued | 40 | 150 | 22.62 | 0.92 | 0.87 |
Total Debt Issued | 40 | 151.99 | 102.62 | 120.92 | 0.87 |
Short-Term Debt Repaid | -0.41 | - | -120 | - | - |
Long-Term Debt Repaid | -60 | -165 | - | - | -6.15 |
Total Debt Repaid | -60.41 | -165 | -120 | - | -6.15 |
Net Debt Issued (Repaid) | -20.41 | -13.01 | -17.38 | 120.92 | -5.28 |
Repurchase of Common Stock | -0.15 | -0.09 | -0.2 | -0.12 | -0.13 |
Common Dividends Paid | -1.56 | -2.07 | -5.34 | -5.08 | -4.31 |
Net Increase (Decrease) in Deposit Accounts | -33.6 | -52.86 | 38.4 | -134.22 | 131.86 |
Financing Cash Flow | -55.72 | -68.02 | 15.49 | -18.49 | 122.14 |
Net Cash Flow
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 Cash Flow | 49.06 | -15.42 | 54.73 | -1.89 | 13.25 |
Free Cash Flow
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 |
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% |
Free Cash Flow Margin | 13.66% | 9.40% | 36.45% | 19.06% | 22.08% |
Free Cash Flow Per Share | 2.11 | 1.57 | 5.39 | 3.50 | 4.00 |