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	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
Net Interest Income	-10.24	56.74	48.45	54.56	67.15	48.58
Net Interest Income Growth	-	17.12%	-11.20%	-18.75%	38.24%	5.87%
Non-Interest Income	11.01	9.3	22.65	10.75	11.51	15.95
Non-Interest Income Growth	-6.05%	-58.94%	110.75%	-6.63%	-27.83%	-12.13%
Revenues Before Loan Losses	0.78	66.04	71.09	65.3	78.66	64.52
Provision for Credit Losses	-0.3	-0.21	-0.5	2.03	-	1.51
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%
Compensation Expenses	30.53	29.59	27.74	27.66	28.99	24.24
Selling, General & Admin	21.93	21.92	23.16	19.89	17.88	12.34
Other Non-Interest Expenses	6.05	6.62	7.25	7.68	15.23	10.06
Total Non-Interest Expense	58.5	58.14	58.14	55.23	62.1	46.64
Pretax Income	10.5	8.11	13.46	8.05	16.56	16.38
Provision for Income Taxes	0.06	0.02	1.33	-0.34	1.48	1.41
Net Income	10.44	8.09	12.13	8.38	15.08	14.96
Net Income to Common	9.82	8.09	12.13	8.38	15.08	14.96
Net Income Growth	84.75%	-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	0.46%	0.41%	-0.18%	2.12%	20.60%	0.44%
EPS (Basic)	2.29	1.89	2.85	1.96	3.61	4.30
EPS (Diluted)	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%

Additional Metrics

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
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 Per Share	-	2.11	1.57	5.39	3.51	4.00
Dividends Per Share	0.480	0.360	0.480	1.050	1.240	1.240
Dividend Growth	33.33%	-25.00%	-54.29%	-15.32%	0%	0%
Profit Margin	967.29%	12.21%	16.94%	13.24%	19.17%	23.75%
FCF Margin	-	13.66%	9.40%	36.45%	18.69%	22.08%
Effective Tax Rate	0.60%	0.28%	9.85%	-4.16%	8.93%	8.63%

SEC Filings: 10-K · 10-Q