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Finward Bancorp

FNWD

$44.52 ▲ +0.03 (+0.06%) at close

17 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Neutral

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Analytical Summary

Finward Bancorp shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $190.2M

Dividend Yield 0.81%

Revenue Growth -7.1% ↘

Op. Margin 12.3% ↘

ROIC None

FCF / Share None

Trailing P/E 23.6x

Price / Book 1.1x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$66.04M

↓ -7.1% —

Net Income Profit after all expenses

$8.09M

↓ -33.3% —

Operating Margin Operating profit as % of sales

12.3%

↓ -35.1% 61th

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.36 Latest / share

-25.0% YoY

-8.6% 12-yr CAGR

$0.97

FY 2014

$1.06

FY 2015

$1.11

FY 2016

$1.15

FY 2017

$1.19

FY 2018

$0.31

FY 2019

$0.31

FY 2020

$1.24

FY 2021

$1.24

FY 2022

$1.05

FY 2023

$0.48

FY 2024

$0.36

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue Growth YoY (%)	-7.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-218%)	8.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+48%)	-17.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-383%)	21.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+265%)	0.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-87%)	19.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+216%)	23.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+298%)	12.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+114%)	2.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-62%)	10.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+68%)	8.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+48%)	5.5% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-8%)	-4.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-179%)	4.2% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-30%)	-2.9% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-148%)	—	—
EPS Growth YoY (%)	-33.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	45.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-45.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-16.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-6.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	30.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	11.4% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	1.3% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-2.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	16.4% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	5.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	4.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	3.7% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	26.8% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	3.8% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-33.3% Weak ↓ Weak Declining Year-over-year change in net income	44.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-44.4% Weak ↓ Weak Declining Year-over-year change in net income	0.8% Caution ↓ Caution Declining Year-over-year change in net income	-6.1% Weak ↓ Weak Declining Year-over-year change in net income	31.7% Excellent ↑ Excellent Improving Year-over-year change in net income	29.6% Excellent ↑ Excellent Improving Year-over-year change in net income	4.2% Caution ↓ Caution Declining Year-over-year change in net income	-2.0% Weak ↓ Weak Declining Year-over-year change in net income	16.4% Good ↑ Good Improving Year-over-year change in net income	6.2% Fair ↓ Fair Declining Year-over-year change in net income	3.9% Caution ↓ Caution Declining Year-over-year change in net income	3.9% Caution ↓ Caution Declining Year-over-year change in net income	27.3% Excellent Excellent Year-over-year change in net income	4.0% Caution Caution Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-5.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.3% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	0.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	13.5% Good ↓ Good Declining Compound annual revenue growth over 3 years	14.1% Good ↑ Good Improving Compound annual revenue growth over 3 years	18.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	12.6% Good ↑ Good Improving Compound annual revenue growth over 3 years	8.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	8.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.1% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.6% Weak Weak Compound annual revenue growth over 3 years	-1.2% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	0.6% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	5.7% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	8.5% Good ↓ Good Declining Compound annual revenue growth over 5 years	15.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	11.4% Good → Good Stable Compound annual revenue growth over 5 years	13.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	11.4% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.8% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.3% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.7% Fair Fair Compound annual revenue growth over 5 years	2.1% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-19.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-12.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-24.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	0.7% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	10.7% Good ↑ Good Improving Compound annual EPS growth over 3 years	13.7% Good ↑ Good Improving Compound annual EPS growth over 3 years	3.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	4.9% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	6.4% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	8.6% Fair → Fair Stable Compound annual EPS growth over 3 years	4.5% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	11.0% Good Good Compound annual EPS growth over 3 years	11.0% Good Good Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Operating Margin (%) (%)	12.3% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	18.9% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	12.3% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	21.1% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	25.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	29.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	0.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	9.8% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-4.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	8.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	8.6% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.8% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	12.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-44%)	17.1% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	12.8% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	19.2% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	23.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+5%)	24.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	22.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	24.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	22.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	23.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	21.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	17.9% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	16.8% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	4.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	8.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	6.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	11.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	9.6% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	10.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	9.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	9.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	9.7% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	10.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	9.7% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	9.7% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	10.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	10.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	8.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	9.2% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue per Share (USD)	$15.46	$16.69	$15.28	$18.84	$18.56	$18.50	$15.72	$14.74	$13.45	$13.18	$12.00	$11.05	$10.48	$11.01	$10.59	—	—
Basic EPS, GAAP (USD)	$1.89	$2.85	$1.96	$3.61	$4.30	$4.60	$3.53	$3.17	$3.13	$3.20	$2.75	$2.60	$2.50	$2.41	$1.90	$1.83	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.36	$0.48	$1.05	$1.24	$1.24	$0.31	$0.31	$1.19	$1.15	$1.11	$1.06	$0.97	$0.85	$0.72	$0.60	$0.72	—
Book Value per Share (USD)	$40.37	$35.22	$31.73	$31.73	$45.00	$43.80	$38.85	$33.50	$32.14	$29.41	$28.38	$26.78	$23.50	$23.83	$22.20	$19.84	—
Tangible Book Value per Share (USD)	$34.92	$29.58	$25.76	$25.41	$40.91	$39.41	$35.63	$30.80	$31.16	$28.43	$27.48	$26.21	$23.50	$23.83	$22.20	$19.84	—
Basic Weighted Avg Shares (shares)	4.27M	4.26M	4.27M	4.18M	3.48M	3.46M	3.43M	2.95M	2.86M	2.86M	2.85M	2.84M	2.84M	2.84M	2.83M	—	—
Dividend Payout Ratio (%)	19.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	16.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	53.6% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	34.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	28.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	6.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	8.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	37.5% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	36.7% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	34.7% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	38.5% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	37.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	34.0% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	29.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	31.6% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	39.3% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$174.66M	$151.41M	$136.39M	$136.39M	$156.62M	$151.69M	$134.10M	$101.46M	$92.06M	$84.11M	$80.91M	$76.17M	$66.76M	$67.65M	$62.96M	$56.09M	$53.08M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$66.04M	$71.09M	$65.30M	$78.66M	$64.52M	$64.03M	$53.83M	$43.46M	$38.52M	$37.67M	$34.22M	$31.44M	$29.79M	$31.26M	$30.00M	$30.89M	—
Depreciation Expense (USD)	—	$2.80M	$2.90M	$3.00M	$2.50M	$2.30M	$1.90M	$1.50M	$1.40M	$1.35K	$1.39M	$1.36M	$1.30M	$1.36M	$1.47M	—	—
Net Income, GAAP (USD)	$8.09M	$12.13M	$8.38M	$15.08M	$14.96M	$15.93M	$12.10M	$9.34M	$8.96M	$9.14M	$7.85M	$7.39M	$7.12M	$6.85M	$5.38M	$5.18M	—
Operating Cash Flow (USD)	$9.90M	$9.80M	$24.21M	$17.73M	$17.04M	$19.74M	$10.96M	$10.54M	$12.30M	$10.39M	—	—	—	$8.53M	$14.82M	$14.48M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Net Interest Margin (approx.) (%)	2.8%	2.4%	2.6%	3.2%	3.0%	3.1%	3.2%	3.1%	3.3%	3.3%	3.2%	3.3%	3.5%	3.4%	3.6%	4.0%	—
Efficiency Ratio (%) (%)	88.0%	81.8%	84.6%	78.9%	72.3%	65.0%	69.5%	72.2%	66.2%	65.6%	69.0%	66.8%	66.5%	64.4%	66.4%	62.6%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 17 years · 66 quarters

Finward Bancorp

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