FNWD
Finward Bancorp
Price Chart
Latest Quote
$34.44
+0.25 (+0.73%)
Current Price
| Previous Close | $34.19 |
| Open | $34.00 |
| Day High | $34.44 |
| Day Low | $33.16 |
| Volume | 25,644 |
Stock Information
| Quarterly Dividend / Yield | $0.48 / 1.39% |
| Shares Outstanding | 4.33M |
| Quarterly Dividend Yield | 1.39% |
| Quarterly Dividend | $0.48 |
| Total Debt | $108.66M |
| Cash Equivalents | $122.23M |
| Revenue | $68.59M |
| Net Income | $9.87M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $149.12M |
| P/E Ratio | 15.04 |
| EPS (TTM) | $2.29 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $135.56M |
| Sales | $68.59M |
| Income | $9.87M |
| Book/sh | $39.81 |
| Cash/sh | $28.23 |
| Employees | 296 |
Financial Ratios
| EPS Growth TTM | 392.70% |
Returns & Margins
| ROA | 0.49% |
| ROE | 6.09% |
| Operating Margin | 17.47% |
| Profit Margin | 14.39% |
Ownership
| Insider Ownership | 21.75% |
| Institutional Ownership | 49.18% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 11.06 |
| PEG | 1.72 |
| P/S | 2.17 |
| P/B | 0.87 |
Analyst Data
| Recommendation | none |
| Target Price | $38.50 |
Technical Indicators
| SMA20 | $33.09 |
| SMA50 | $32.92 |
| SMA200 | $34.57 |
| RSI | 68.45 |
| ATR | 1.1768 |
| Shares Float | 3.35M |
| Short Float | 4.06% |
| Short Ratio | 16.66 |
| Volatility | 0.22 |
| Rel Volume | 2.17 |
Performance History
| Week | +1.69% |
| Month | +2.26% |
| Quarter | -9.99% |
| 6 Months | -8.15% |
| YTD | -2.60% |
| Year | +21.78% |
| 3 Years | +73.18% |
| 5 Years | -12.95% |
| 10 Years | nan% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-22 | $34.44 | 25,900 |
| 2026-06-18 | $34.19 | 30,300 |
| 2026-06-17 | $33.72 | 17,500 |
| 2026-06-16 | $33.63 | 10,400 |
| 2026-06-15 | $33.38 | 12,900 |
| 2026-06-12 | $33.87 | 7,300 |
| 2026-06-11 | $33.88 | 7,400 |
| 2026-06-10 | $34.03 | 12,400 |
| 2026-06-09 | $33.01 | 8,100 |
| 2026-06-08 | $32.57 | 10,500 |
| 2026-06-05 | $32.34 | 10,000 |
| 2026-06-04 | $32.56 | 11,900 |
| 2026-06-03 | $32.09 | 12,200 |
| 2026-06-02 | $32.50 | 7,900 |
| 2026-06-01 | $32.70 | 11,900 |
| 2026-05-29 | $32.86 | 10,000 |
| 2026-05-28 | $32.86 | 6,000 |
| 2026-05-27 | $32.61 | 6,200 |
| 2026-05-26 | $32.38 | 11,300 |
About Finward Bancorp
Finward Bancorp operates as the holding company for Peoples Bank that provides various banking products and services. The company's deposit products include non-interest- and interest-bearing demand accounts, savings accounts, money market deposit accounts, certificate accounts, and retirement savings plans. Its loan portfolio comprises residential mortgage loans that enable borrowers to purchase existing homes, refinance existing homes, or construct new homes; construction loans primarily to individuals and contractors; commercial real estate and multifamily loans; consumer loans to individuals for personal, household, or family purposes; home equity line of credit; home improvement and equity loans; commercial business loans; government loans; and loans to municipalities. The company also offers estate and retirement planning, guardianships, land trusts, profit sharing and 401(k) retirement plans, IRA and Keogh accounts, and investment agency accounts, as well as acts as personal representative of estates, and trustee for revocable and irrevocable trusts. In addition, it provides insurance and annuity investments to wealth management customers; holds security investments and real estate properties; and operates as a real estate investment trust. The company was formerly known as NorthWest Indiana Bancorp and changed its name to Finward Bancorp in March 1994. Finward Bancorp was founded in 1916 and is headquartered in Munster, Indiana.
đ° Latest News
Pleasing Signs As A Number Of Insiders Buy Finward Bancorp Stock
Simply Wall St. âĸ 2025-12-29T12:38:36Z
Investing in Finward Bancorp (NASDAQ:FNWD) a year ago would have delivered you a 22% gain
Simply Wall St. âĸ 2025-11-26T16:21:43Z
Finward Bancorp (FNWD): Margin Compression Challenges Bullish Growth Narratives
Simply Wall St. âĸ 2025-10-30T16:19:14Z
Finward Bancorp (NASDAQ:FNWD) most popular amongst retail investors who own 46% of the shares, institutions hold 32%
Simply Wall St. âĸ 2025-09-11T10:28:31Z
Finward Bancorp Second Quarter 2025 Earnings: EPS Beats Expectations, Revenues Lag
Simply Wall St. âĸ 2025-08-15T10:11:50Z
Favourable Signals For Finward Bancorp: Numerous Insiders Acquired Stock
Simply Wall St. âĸ 2025-07-22T11:42:26Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $66,041,000 | $71,094,000 | $65,301,000 | $78,658,000 |
| Operating Revenue | $66,041,000 | $71,094,000 | $65,301,000 | $78,658,000 |
| Expenses | ||||
| Interest Expense | $35,020,000 | $40,731,000 | $31,228,000 | $4,886,000 |
| Selling And Marketing Expense | $787,000 | $799,000 | $840,000 | $1,907,000 |
| General And Administrative Expense | $31,308,000 | $29,527,000 | $29,658,000 | $30,218,000 |
| Professional Expense And Contract Services Expense | $4,226,000 | $5,405,000 | $4,279,000 | $1,211,000 |
| Other Non Interest Expense | $13,654,000 | $14,161,000 | $14,072,000 | $20,444,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $8,087,000 | $12,130,000 | $8,380,000 | $15,080,000 |
| Net Interest Income | $56,743,000 | $48,447,000 | $54,555,000 | $67,149,000 |
| Interest Income | $91,763,000 | $89,178,000 | $85,783,000 | $72,035,000 |
| Normalized Income | $8,141,835 | $1,611,778 | $8,172,230 | $16,463,809 |
| Net Income From Continuing And Discontinued Operation | $8,087,000 | $12,130,000 | $8,380,000 | $15,080,000 |
| Net Income Common Stockholders | $8,087,000 | $12,130,000 | $8,380,000 | $15,080,000 |
| Net Income | $8,087,000 | $12,130,000 | $8,380,000 | $15,080,000 |
| Net Income Including Noncontrolling Interests | $8,087,000 | $12,130,000 | $8,380,000 | $15,080,000 |
| Net Income Continuous Operations | $8,087,000 | $12,130,000 | $8,380,000 | $15,080,000 |
| Pretax Income | $8,110,000 | $13,455,000 | $8,045,000 | $16,558,000 |
| Special Income Charges | - | - | $276,000 | $-1,535,000 |
| Per Share | ||||
| Diluted EPS | $1.88 | $2.84 | $1.96 | $3.60 |
| Basic EPS | $1.89 | $2.85 | $1.96 | $3.61 |
| Other | ||||
| Tax Effect Of Unusual Items | $-165 | $1,142,778 | $55,230 | $-135,191 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-55,000 | $11,661,000 | $263,000 | $-1,519,000 |
| Total Unusual Items Excluding Goodwill | $-55,000 | $11,661,000 | $263,000 | $-1,519,000 |
| Reconciled Depreciation | $6,191,000 | $7,291,000 | $7,163,000 | $5,968,000 |
| Diluted Average Shares | $4,292,058 | $4,274,633 | $4,275,510 | $4,188,889 |
| Basic Average Shares | $4,271,350 | $4,259,570 | $4,275,510 | $4,177,285 |
| Diluted NI Availto Com Stockholders | $8,087,000 | $12,130,000 | $8,380,000 | $15,080,000 |
| Tax Provision | $23,000 | $1,325,000 | $-335,000 | $1,478,000 |
| Gain On Sale Of Security | $-1,487,000 | $705,000 | $-48,000 | $662,000 |
| Selling General And Administration | $32,095,000 | $30,326,000 | $30,498,000 | $32,125,000 |
| Insurance And Claims | $1,720,000 | $1,790,000 | $2,003,000 | $1,228,000 |
| Salaries And Wages | $29,588,000 | $27,737,000 | $27,655,000 | $28,990,000 |
| Occupancy And Equipment | $8,161,000 | $8,250,000 | $6,382,000 | $6,785,000 |
| Other Special Charges | - | - | $-276,000 | $303,000 |
| Write Off | - | - | $0 | $1,232,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-20
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $151,096,000 | $127,159,000 | $121,678,000 | $109,204,000 |
| Total Assets | $2,021,181,000 | $2,060,699,000 | $2,108,279,000 | $2,070,339,000 |
| Goodwill And Other Intangible Assets | $23,567,000 | $24,255,000 | $25,667,000 | $27,189,000 |
| Other Intangible Assets | $1,172,000 | $1,860,000 | $3,272,000 | $4,794,000 |
| Receivables | $7,781,000 | $7,721,000 | $8,045,000 | $7,421,000 |
| Accounts Receivable | $7,781,000 | $7,721,000 | $8,045,000 | $7,421,000 |
| Cash And Cash Equivalents | $119,647,000 | $69,930,000 | $85,589,000 | $33,631,000 |
| Cash Financial | $18,265,000 | $17,883,000 | $17,942,000 | $19,965,000 |
| Cash Cash Equivalents And Federal Funds Sold | $119,647,000 | $70,584,000 | $86,008,000 | $33,738,000 |
| Debt | ||||
| Total Debt | $45,000,000 | $65,000,000 | $80,000,000 | $120,000,000 |
| Long Term Debt And Capital Lease Obligation | $45,000,000 | $65,000,000 | $80,000,000 | $120,000,000 |
| Long Term Debt | $45,000,000 | $65,000,000 | $80,000,000 | $120,000,000 |
| Net Debt | - | - | - | $86,369,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,846,518,000 | $1,909,285,000 | $1,960,934,000 | $1,933,946,000 |
| Payables And Accrued Expenses | - | - | - | $23,426,000 |
| Equity | ||||
| Common Stock Equity | $174,663,000 | $151,414,000 | $147,345,000 | $136,393,000 |
| Total Equity Gross Minority Interest | $174,663,000 | $151,414,000 | $147,345,000 | $136,393,000 |
| Stockholders Equity | $174,663,000 | $151,414,000 | $147,345,000 | $136,393,000 |
| Gains Losses Not Affecting Retained Earnings | $-41,662,000 | $-58,084,000 | $-51,613,000 | $-64,300,000 |
| Other Equity Adjustments | $-41,662,000 | $-58,084,000 | $-51,613,000 | $-64,300,000 |
| Retained Earnings | $145,994,000 | $139,464,000 | $129,403,000 | $131,661,000 |
| Other | ||||
| Ordinary Shares Number | $4,326,747 | $4,313,698 | $4,298,773 | $4,298,401 |
| Share Issued | $4,326,747 | $4,313,698 | $4,298,773 | $4,298,401 |
| Tangible Book Value | $151,096,000 | $127,159,000 | $121,678,000 | $109,204,000 |
| Invested Capital | $219,663,000 | $216,414,000 | $227,345,000 | $256,393,000 |
| Total Capitalization | $219,663,000 | $216,414,000 | $227,345,000 | $256,393,000 |
| Additional Paid In Capital | $70,331,000 | $70,034,000 | $69,555,000 | $69,032,000 |
| Capital Stock | $0 | $0 | $0 | $0 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $727,000 | $7,054,000 | $371,374,000 | $370,896,000 |
| Goodwill | $22,395,000 | $22,395,000 | $22,395,000 | $22,395,000 |
| Net PPE | $44,976,000 | $47,259,000 | $38,436,000 | $40,212,000 |
| Accumulated Depreciation | $-36,502,000 | $-33,675,000 | $-34,532,000 | $-31,748,000 |
| Gross PPE | $81,478,000 | $80,934,000 | $72,968,000 | $71,960,000 |
| Other Properties | $16,682,000 | $16,682,000 | $542,000 | - |
| Machinery Furniture Equipment | $20,879,000 | $20,310,000 | $19,401,000 | $19,434,000 |
| Buildings And Improvements | $34,851,000 | $34,876,000 | $41,252,000 | $40,753,000 |
| Land And Improvements | $9,066,000 | $9,066,000 | $11,773,000 | $11,773,000 |
| Other Short Term Investments | $727,000 | $7,054,000 | $371,374,000 | $370,896,000 |
| Current Accrued Expenses | - | - | - | $23,426,000 |
Fetched: 2026-06-20
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $9,048,000 | $6,731,000 | $23,063,000 | $14,699,000 |
| Operating Activities | ||||
| Operating Cash Flow | $9,901,000 | $9,805,000 | $24,211,000 | $17,730,000 |
| Cash Flow From Continuing Operating Activities | $9,901,000 | $9,805,000 | $24,211,000 | $17,730,000 |
| Operating Gains Losses | $323,000 | $-13,504,000 | $-1,309,000 | $-1,727,000 |
| Investing Activities | ||||
| Capital Expenditure | $-853,000 | $-3,074,000 | $-1,148,000 | $-3,031,000 |
| Investing Cash Flow | $94,877,000 | $42,789,000 | $15,021,000 | $-1,131,000 |
| Cash Flow From Continuing Investing Activities | $94,877,000 | $42,789,000 | $15,021,000 | $-1,131,000 |
| Net Other Investing Changes | $1,307,000 | $72,000 | $77,000 | $-1,590,000 |
| Financing Activities | ||||
| Financing Cash Flow | $-55,715,000 | $-68,018,000 | $15,494,000 | $-18,493,000 |
| Cash Flow From Continuing Financing Activities | $-55,715,000 | $-68,018,000 | $15,494,000 | $-18,493,000 |
| Cash Dividends Paid | $-1,557,000 | $-2,069,000 | $-5,335,000 | $-5,075,000 |
| Common Stock Dividend Paid | $-1,557,000 | $-2,069,000 | $-5,335,000 | $-5,075,000 |
| Net Other Financing Charges | - | - | - | $922,000 |
| Other | ||||
| Repayment Of Debt | $-60,000,000 | $-165,000,000 | $-120,000,000 | $0 |
| Issuance Of Debt | $40,000,000 | $150,000,000 | $80,000,000 | $120,000,000 |
| Interest Paid Supplemental Data | $35,303,000 | $43,178,000 | $28,528,000 | $4,572,000 |
| Income Tax Paid Supplemental Data | $150,000 | $415,000 | $241,000 | $1,347,000 |
| End Cash Position | $119,647,000 | $70,584,000 | $86,008,000 | $31,282,000 |
| Beginning Cash Position | $70,584,000 | $86,008,000 | $31,282,000 | $33,176,000 |
| Changes In Cash | $49,063,000 | $-15,424,000 | $54,726,000 | $-1,894,000 |
| Proceeds From Stock Option Exercised | $-150,000 | $-86,000 | $-196,000 | $-120,000 |
| Net Issuance Payments Of Debt | $-20,000,000 | $-15,000,000 | $-40,000,000 | $120,000,000 |
| Net Long Term Debt Issuance | $-20,000,000 | $-15,000,000 | $-40,000,000 | $120,000,000 |
| Long Term Debt Payments | $-60,000,000 | $-165,000,000 | $-120,000,000 | $0 |
| Long Term Debt Issuance | $40,000,000 | $150,000,000 | $80,000,000 | $120,000,000 |
| Net Investment Purchase And Sale | $35,950,000 | $27,350,000 | $14,685,000 | $65,056,000 |
| Sale Of Investment | $35,950,000 | $27,350,000 | $14,808,000 | $95,477,000 |
| Net PPE Purchase And Sale | $-34,000 | $14,603,000 | $-349,000 | $-1,233,000 |
| Sale Of PPE | $819,000 | $17,677,000 | $799,000 | $1,798,000 |
| Purchase Of PPE | $-853,000 | $-3,074,000 | $-1,148,000 | $-3,031,000 |
| Change In Working Capital | $-2,804,000 | $5,178,000 | $6,450,000 | $-8,697,000 |
| Change In Other Current Assets | $3,425,000 | $3,502,000 | $3,002,000 | $-5,080,000 |
| Change In Payables And Accrued Expense | $-6,169,000 | $1,352,000 | $4,072,000 | $-3,476,000 |
| Change In Accrued Expense | $-5,832,000 | $3,797,000 | $1,343,000 | $-3,476,000 |
| Change In Payable | $-337,000 | $-2,445,000 | $2,729,000 | - |
| Change In Account Payable | $-337,000 | $-2,445,000 | $2,729,000 | - |
| Change In Receivables | $-60,000 | $324,000 | $-624,000 | $-141,000 |
| Changes In Account Receivables | $-60,000 | $324,000 | $-624,000 | $-141,000 |
| Other Non Cash Items | $-1,582,000 | $-1,997,000 | $1,456,000 | $3,946,000 |
| Stock Based Compensation | $447,000 | $565,000 | $719,000 | $741,000 |
| Deferred Tax | $-556,000 | $645,000 | $-673,000 | $1,187,000 |
| Deferred Income Tax | $-556,000 | $645,000 | $-673,000 | $1,187,000 |
| Depreciation Amortization Depletion | $6,191,000 | $7,291,000 | $7,163,000 | $5,968,000 |
| Depreciation And Amortization | $6,191,000 | $7,291,000 | $7,163,000 | $5,968,000 |
| Gain Loss On Investment Securities | $1,487,000 | $-705,000 | $48,000 | $-662,000 |
| Gain Loss On Sale Of PPE | $55,000 | $-11,661,000 | $-276,000 | $303,000 |
| Net Income From Continuing Operations | $8,087,000 | $12,130,000 | $8,380,000 | $15,080,000 |
| Purchase Of Investment | - | $0 | $-123,000 | $-30,421,000 |
| Net Business Purchase And Sale | - | - | $0 | $33,799,000 |
| Sale Of Business | - | - | $0 | $33,799,000 |
| Asset Impairment Charge | - | - | $0 | $1,232,000 |
| Depreciation | - | - | - | $5,968,000 |
Fetched: 2026-06-20