FNWD
Finward Bancorp38.34
-0.64-1.64%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
165.90MP/E (TTM)
20.07Basic EPS (TTM)
1.91Dividend Yield
0.01%Recent Filings
8-K
10-Q
Q3 FY2025 results
Finward Bancorp surged in Q3 with net income hitting $3.5M ($0.81 diluted EPS), up sharply from $0.6M ($0.14) y/y, fueled by net interest income climbing 20% to $14.4M as loan yields rose to 5.49% while deposit costs fell to 2.16%. YTD net income of $6.1M ($1.42 EPS) trailed last year's $10.0M due to absent one-offs like the sale-leaseback gain. Loans held steady at $1.5B, cash swelled to $104M, and FHLB borrowings dropped to $55M; operating cash flow tallied $2.2M. Non-GAAP metrics not disclosed in the 10-Q. Credit quality stabilized with nonperformers at 0.94% of loans. Regulatory MOU curbs dividends without approval.
8-K
Q3 profit jumps to $0.81/share
Finward Bancorp posted Q3 net income of $3.5 million ($0.81/share), up from $2.2 million ($0.50/share) in Q2, fueled by NIM expansion to 3.04% from 2.97% via loan repricing and payoffs. Deposits held steady at $1.8 billion while borrowings dropped 8.7%; nonperformers ticked to 0.94% of loans. Momentum builds.
8-K
FNWD forum slides show NIM gains
Finward Bancorp presented at the Stephens Banking Forum on September 17, 2025, highlighting Q2 net interest margin expansion to 3.11% from 2.95% in Q1 amid deposit cost cuts and $46.1M new commercial loans. Assets held steady at $2.1B with NPAs at 0.92% of loans, yet regulatory MOU compliance looms. Capital builds steadily.
8-K
Declares $0.12 dividend
Finward Bancorp declared a $0.12 per share dividend on August 15, 2025, payable September 12 to shareholders of record August 29. This signals board confidence despite the bank's FDIC/DFI memorandum barring dividends without approval. Future payouts hinge on capital, performance, and regulators. Dividends aren't assured.
IPO
Website
Employees
Sector
Industry
BFIN
BankFinancial Corporation
12.76-0.18
FBNC
First Bancorp
53.55+0.08
FFBC
First Financial Bancorp.
26.58-0.40
FINW
FinWise Bancorp
18.05+0.49
FNWB
First Northwest Bancorp
9.95-0.03
HBNC
Horizon Bancorp, Inc.
18.36-0.10
INBK
First Internet Bancorp
22.36+0.42
NWPP
New Peoples Bankshares, Inc.
3.51+0.00
PEBO
Peoples Bancorp Inc.
31.57+0.03
PFIS
Peoples Financial Services Corp
52.54-0.68