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Finward Bancorp(NASDAQ) FNWD

Current Price$44.79
Market Cap$193.30MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1998)+533%
5 Year+17%
1 Year+67%
1 Month+31%
Finward Bancorp last closing stock price
MetricPriceDate
Last closeUSD 44.612026-07-24
Finward Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+22.93%USD 36.292026-07-17
1 month+30.67%USD 34.142026-06-24
3 month+32.45%USD 33.682026-04-24
Year to date+27.63%USD 34.952025-12-31
1 year+67.12%USD 26.692025-07-24
3 year+80.48%USD 24.722023-07-25
5 year+17.48%USD 37.972021-07-23
Since inception+533.36%USD 7.041998-03-18

Finward Bancorp Financials at a Glance

Market Cap

$193.30MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$101.63M

Net Income (TTM)

$9.87M

EPS (TTM)

$2.30

P/E Ratio

19.43

Dividend

$0.48

Beta (Volatility)

0.16 (Low)

Price

$44.79

Volume

562

Open

$44.75

Previous Close

$44.79

Daily Range

$44.74 - $44.91

52-Week Range

$27.11 - $44.92

Estimated Earnings Date

Jul 28, 2026

FNWD News

No articles available.

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About Finward Bancorp

Finward Bancorp helps people manage money, save for the future, and get loans. Its services support families, small businesses, and local governments. Everyday needs like buying a home or planning retirement are made easier for customers.

Products and Services

  • Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses (percentage of revenue not disclosed).
  • Loan Products: Residential mortgages, commercial real estate, construction, and consumer loans for homebuyers, businesses, and municipalities (percentage of revenue not disclosed).
  • Wealth Management: Estate planning, retirement accounts, and trust services for individuals and organizations (percentage of revenue not disclosed).
  • Insurance and Annuities: Investment products for wealth management clients (percentage of revenue not disclosed).
  • Digital Banking: Online and mobile banking, ATMs, and drive-through services for convenient access (percentage of revenue not disclosed).

Growth and Expansion

  • Changed name from NorthWest Indiana Bancorp to Finward Bancorp in May 2021.
  • Sold five branch properties in 2024, entering 15-year leases to free up capital.
  • Expanded wealth management assets to $416.9 million by December 2025.
  • Repositioned securities portfolio in Q4 2025 to improve profitability and capital ratios.
  • Reduced branch count to 26 locations by December 2025, focusing on core markets.

What Makes Finward Bancorp Special

Finward Bancorp focuses on Northwest Indiana and Chicagoland, with 96% of business in this area. It keeps most loans on its own books, rather than selling them. The company offers a wide range of trust and retirement services, supporting both individuals and local businesses.

Five Things You Need to Know

  • Total revenue was $25 million in Q4 2025, down 5.5% year-over-year.
  • Net income was $8.1 million in 2025, down 33.3% from 2024.
  • Loan portfolio reached $1.45 billion as of December 31, 2025.
  • Deposits totaled $1.73 billion at year-end 2025, down 1.9% from 2024.
  • Wealth management assets under management grew to $416.9 million in 2025.

Bottom Line

Finward Bancorp has evolved by focusing on local markets and expanding wealth management. Its business model balances traditional banking with trust and retirement services.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

318

CEO

Benjamin J. Bochnowski, MBA

Website

www.ibankpeoples.com

Headquarters

Munster, IN 46321, US

FNWD Financials

Key Financial Metrics (TTM)

Gross Margin

67.49%

Operating Margin

10.00%

Net Income Margin

9.72%

Return on Equity

5.92%

Return on Capital

3.13%

Return on Assets

0.49%

Earnings Yield

5.15%

Dividend Yield

1.08%

Payout Ratio

15.79%

Stock Overview

Market Cap

$193.30MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

4.33M

Volume

562

Avg. Volume

21.53K

Financials (TTM)

Gross Profit

$68.59M

Operating Income

$10.16M

EBITDA

$16.08M

Operating Cash Flow

$17.35M

Capital Expenditure

-$1.21M

Free Cash Flow

$16.14M

Cash & ST Invst.

$119.54M

Total Debt

$90.82M

Finward Bancorp Performance Analysis

Finward Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 83,380,00025.5%
20232023-12-31USD 96,145,00015.3%
20242024-12-31USD 111,502,00016.0%
20252025-12-31USD 100,950,000-9.5%
Finward Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-303.2%
Q32025-09-303.5%
Q42025-12-31-5.2%
Q12026-03-311.0%
Finward Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.60-16.4%
20232023-12-31USD 1.96-45.6%
20242024-12-31USD 2.8445.0%
20252025-12-31USD 1.88-33.6%
Finward Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30354.5%
Q32025-09-3062.0%
Q42025-12-31-43.2%
Q12026-03-3113.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$25.14M

+2.3%

Gross Profit

$17.43M

+15.5%

Gross Margin

69.35%

N/A

Market Cap

$193.30MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$607.85K

N/A

Employees

318

N/A

Net Income

$2.24M

+392.7%

EBITDA

$3.99M

+80.1%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$119.54M

+65.2%

Total Debt

$90.82M

+101.6%

Accounts Receivable

$7.70M

-1.5%

Inventory

$0.00

N/A

Long Term Debt

$50.00M

N/A

Short Term Debt

$40.82M

-9.4%

Return on Assets

0.49%

N/A

Return on Invested Capital

3.98%

N/A

Free Cash Flow

$3.50M

+187.7%

Operating Cash Flow

$3.64M

+195.4%

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Questions About FNWD

What is the current price of Finward Bancorp?

Finward Bancorp is trading at $44.79 per share.

What is the 52-week range for Finward Bancorp?

Over the past 52 weeks, Finward Bancorp has traded between $27.11 and $44.92.

How much debt does Finward Bancorp have?

As of the most recent reporting period, Finward Bancorp reported total debt of $105.22M.

How much cash does Finward Bancorp have on hand?

Finward Bancorp does not have cash on hand data available.

What is Finward Bancorp’s dividend yield?

Finward Bancorp currently has a dividend yield of 1.08%.

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