FNWDNasdaqSavings Institution, Federally CharteredFiscal year ends December 31

Finward Bancorp

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 13, 2026

$41.61−0.32 (-0.76%)

Close on Oct 19, 2026

Margins

Share of revenue, fiscal years 2011 to 2025

12.2%−12.6 pts over 5 years

Compound annual growth to fiscal 2025

Per year	1 year	3 years	5 years	10 years
Revenue	-7.1%	-5.7%	+0.6%	+6.8%
Net income	-33.3%	-18.8%	-12.7%	+0.3%
EPS, diluted	-33.8%	-19.5%	-16.4%	-3.7%
Free cash flow	+34.4%	-14.9%	-10.8%	+1.1%
Dividend per share	-25.0%	-33.8%	-21.9%	-10.2%

10 fiscal years. Hover a measure to see how it is calculated.

Measure	FY2016	FY2020	FY2025
Return on equity	11.1%	11.2%	5.0%
Return on assets	1.0%	1.1%	0.4%
Capex to revenue	4.5%	5.8%	1.3%
Diluted shares	3M	3M	4M

Return on equity split into margin, efficiency and leverage

Net margin12.2%

Asset turnover0.03×

Equity multiplier12.52×

Return on equity, FY20255.0%

Fiscal year	Net margin	Asset turnover	Equity multiplier	Return on equity
FY2025	12.2%	0.03×	12.52×	5.0%
FY2024	17.1%	0.03×	13.95×	8.1%
FY2023	12.8%	0.03×	15.05×	6.0%
FY2022	19.2%	0.04×	12.87×	10.5%
FY2021	23.2%	0.04×	10.11×	9.7%
FY2020	24.9%	0.05×	9.90×	11.2%
FY2019	22.5%	0.04×	10.32×	10.3%
FY2018	21.5%	0.04×	10.46×	9.6%
FY2017	23.3%	0.04×	10.45×	10.2%
FY2016	24.3%	0.04×	10.78×	11.1%

Parsed from the XBRL in Finward Bancorp's annual and quarterly filings with the SEC
Per-share figures adjusted for the 2-for-1 split on Mar 22, 1999
Fourth quarters derived from the annual report minus nine months
Every figure in the statements links to its source filing

Trailing twelve months. Peers are matched on business description, industry and size. Ticks are peers, the dot is FNWD.

Revenue growth8.8% · median 4.8%

Net margin14.2% · median 19.9%

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