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Stocks · Financials · Savings Institution, Federally Chartered

Finward Bancorp

FNWD Clue Score42
United States Fiscal year ends December CIK 0000919864
$41.17 -1.13% Close, 9 Oct 2026
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Price $41.17 −2.79% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income9.1EPS, diluted3.20Fiscal year 2017Net income9.0 −2.0%EPS, diluted3.13 −2.2%Fiscal year 2018Net income9.3 +4.2%EPS, diluted3.17 +1.3%Fiscal year 2019Net income12.1 +29.6%EPS, diluted3.53 +11.4%Fiscal year 2020Net income15.9 +31.7%EPS, diluted4.60 +30.3%Fiscal year 2021Net income15.0 −6.1%EPS, diluted4.30 −6.5%Fiscal year 2022Net income15.1 +0.8%EPS, diluted3.60 −16.3%Fiscal year 2023Net income8.4 −44.4%EPS, diluted1.96 −45.6%Fiscal year 2024Net income12.1 +44.7%EPS, diluted2.84 +44.9%Fiscal year 2025Net income8.1 −33.3%EPS, diluted1.88 −33.8%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 9.1 9.0 9.3 12.1 15.9 15.0 15.1 8.4 12.1 8.1
Growth −2.0% +4.2% +29.6% +31.7% −6.1% +0.8% −44.4% +44.7% −33.3%
EPS, diluted 3.20 3.13 3.17 3.53 4.60 4.30 3.60 1.96 2.84 1.88
Growth −2.2% +1.3% +11.4% +30.3% −6.5% −16.3% −45.6% +44.9% −33.8%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow10.4Capital expenditure−1.7Free cash flow8.7Dividends paid−3.1Fiscal year 2017Operating cash flow12.3Capital expenditure−1.7Free cash flow10.6 +22.6%Dividends paid−3.3Fiscal year 2018Operating cash flow10.5Capital expenditure−1.0Free cash flow9.5 −10.5%Dividends paid−3.4Fiscal year 2019Operating cash flow11.0Capital expenditure−3.0Free cash flow7.9 −16.9%Dividends paid−4.1Fiscal year 2020Operating cash flow19.7Capital expenditure−3.7Free cash flow16.0 +102.1%Dividends paid−4.3Fiscal year 2021Operating cash flow17.0Capital expenditure−3.1Free cash flow13.9 −13.0%Dividends paid−4.3Fiscal year 2022Operating cash flow17.7Capital expenditure−3.0Free cash flow14.7 +5.6%Dividends paid−5.1Fiscal year 2023Operating cash flow24.2Capital expenditure−1.1Free cash flow23.1 +56.9%Dividends paid−5.3Fiscal year 2024Operating cash flow9.8Capital expenditure−3.1Free cash flow6.7 −70.8%Dividends paid−2.1Fiscal year 2025Operating cash flow9.9Capital expenditure−0.9Free cash flow9.0 +34.4%Dividends paid−1.6
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 10.4 12.3 10.5 11.0 19.7 17.0 17.7 24.2 9.8 9.9
Capital expenditure −1.7 −1.7 −1.0 −3.0 −3.7 −3.1 −3.0 −1.1 −3.1 −0.9
Free cash flow 8.7 10.6 9.5 7.9 16.0 13.9 14.7 23.1 6.7 9.0
Growth +22.6% −10.5% −16.9% +102.1% −13.0% +5.6% +56.9% −70.8% +34.4%
Dividends paid −3.1 −3.3 −3.4 −4.1 −4.3 −4.3 −5.1 −5.3 −2.1 −1.6

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash44.2Shareholders’ equity84.1Fiscal year 2017Cash11.0Shareholders’ equity92.1Fiscal year 2018Cash17.1Shareholders’ equity101.5Fiscal year 2019Cash47.3Shareholders’ equity133.5Fiscal year 2020Shareholders’ equity151.7Fiscal year 2021Shareholders’ equity156.6Fiscal year 2022Shareholders’ equity130.3Fiscal year 2023Shareholders’ equity147.3Fiscal year 2024Shareholders’ equity151.4Fiscal year 2025Shareholders’ equity174.7
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 44.2 11.0 17.1 47.3 n/a n/a n/a n/a n/a n/a
Shareholders’ equity 84.1 92.1 101.5 133.5 151.7 156.6 130.3 147.3 151.4 174.7

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Cash flow

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Operations
10.4 12.3 10.5 11.0 19.7 17.0 17.7 24.2 9.8 9.9
Growth +18.4% −14.3% +4.0% +80.1% −13.6% +4.0% +36.6% −59.5% +1.0%
n/a n/a 2.6 1.9 3.2 4.6 6.0 7.2 7.3 6.2
Investment
−1.7 −1.7 −1.0 −3.0 −3.7 −3.1 −3.0 −1.1 −3.1 −0.9
calc 8.7 10.6 9.5 7.9 16.0 13.9 14.7 23.1 6.7 9.0
Growth +22.6% −10.5% −16.9% +102.1% −13.0% +5.6% +56.9% −70.8% +34.4%
calc 3.04 3.72 3.23 2.31 4.62 4.00 3.51 5.39 1.57 2.11
−21.3 −47.8 −31.2 −28.2 −185.1 −125.9 −1.1 15.0 42.8 94.9
Financing
43.6 2.3 26.7 47.3 138.0 122.1 −18.5 15.5 −68.0 −55.7
−3.1 −3.3 −3.4 −4.1 −4.3 −4.3 −5.1 −5.3 −2.1 −1.6

Lines marked calc are worked out here from filed figures; point at one for how. Capital expenditure, dividends and buybacks are shown as money out, so negative.