Finward Bancorp

FNWD

Finward Bancorp

FNWD

Insider Sentiment (TTM):

Last Purchase:2026-03-31Last Sale:2025-04-27Shares Purchased (TTM):190.55Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:2,054,482Shares Outstanding:4,276,530,000Institutional Ownership Pct.:0.05%

Earnings Market Reaction:

Filing Date:2026-05-13Price on Filing Date:N/APrevious Close:N/A% Change:N/A

Companies in Savings Institution, Federally Chartered

FCAP PROV AX EBC TFSL BKU

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Cash And Due From Banks	16	18	19	23	19	18	23	19	16	18	18	23
Interest Bearing Deposits In Banks	103	101	84	80	53	52	48	63	55	68	53	90
Federal Funds Sold	-	0	1	0	1	1	1	1	1	0	1	3
Cash Cash Equivalents And Federal Funds Sold	119	120	104	103	72	71	72	83	72	86	72	116
Available For Sale Securities Debt Securities	308	316	335	328	330	334	350	340	346	371	339	368
Certificates Of Deposit At Carrying Value	-	-	-	-	-	-	-	-	-	0	0	0
Loans Receivable Held For Sale Net Not Part Of Dis…	0	1	3	1	3	1	3	1	1	0	2	2
Notes Receivable Gross	1,455	1,450	1,474	1,484	1,492	1,509	1,508	1,506	1,508	1,513	1,526	1,534
Assets
Assets	2,015	2,021	2,053	2,058	2,040	2,061	2,075	2,077	2,072	2,108	2,087	2,161
Financing Receivable Allowance For Credit Losses	-17	-18	-18	-18	-18	-17	-19	-18	-19	-19	-19	-20
Notes Receivable Net	1,438	1,433	1,456	1,466	1,474	1,492	1,490	1,488	1,489	1,494	1,506	1,515
Federal Home Loan Bank Stock	7	7	7	7	7	7	7	7	7	7	7	7
Interest Receivable	8	8	8	8	8	8	7	8	8	8	8	8
Property Plant And Equipment Net	44	45	46	46	47	47	48	49	48	38	39	39
Other Real Estate	-	-	-	-	-	0	0	0	0	0	-	-
Bank Owned Life Insurance	34	34	34	34	34	34	33	33	33	33	33	32
Goodwill	22	22	22	22	22	22	22	22	22	22	22	22
Intangible Assets Net Excluding Goodwill	1	1	1	1	2	2	2	3	3	3	4	4
Other Assets	35	35	38	42	42	44	41	44	43	45	56	49
Liabilities And Stockhold…
Noninterest Bearing Deposit Liabilities	279	267	280	271	281	263	285	287	297	296	313	316
Deposits
Deposits	1,719	1,727	1,751	1,755	1,750	1,761	1,749	1,757	1,747	1,813	1,784	1,795
Interest Bearing Deposit Liabilities	1,440	1,460	1,470	1,484	1,469	1,497	1,464	1,470	1,451	1,518	1,471	1,479
Securities Sold Under Agreements To Repurchase	-	-	48	48	45	40	43	43	41	38	48	46
Debt Longterm And Shortterm Combined Amount	-	-	-	-	57	65	-	-	-	80	-	-
Federal Funds Purchased And Securities Sold Under …	41	40	-	-	-	40	-	-	-	-	-	-
Advances From Federal Home Loan Banks	50	45	55	65	-	65	85	85	90	80	100	150
Accrued Liabilities And Other Liabilities	33	35	33	35	36	44	38	44	42	29	36	33
Liabilities	1,843	1,847	1,887	1,904	1,888	1,909	1,915	1,928	1,920	1,961	1,968	2,024
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital Common Stock	70	70	70	70	70	70	70	70	70	70	69	69
Stockholders Equity
Stockholders Equity	172	175	165	154	152	151	160	149	152	147	119	137
Accumulated Other Comprehensive Income Loss Net Of…	-46	-42	-49	-58	-58	-58	-48	-59	-56	-52	-79	-60
Retained Earnings Accumulated Deficit	148	146	145	142	140	139	138	138	138	129	128	128
Liabilities And Stockholders Equity	2,015	2,021	2,053	2,058	2,040	2,061	2,075	2,077	2,072	2,108	2,087	2,161
Preferred Stock No Par Value	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Authorized	10	10	10	10	10	10	10	10	10	10	10	10
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock No Par Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Shares Authorized	10	10	10	10	10	10	10	10	10	10	10	10
Common Stock Shares Issued	4	4	4	4	4	4	4	4	4	4	4	4
Shares Outstanding	4	4	4	4	4	4	4	4	4	4	4	4

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10‑Q10‑K

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	2.72%	16.87%	-	-	-	-	-	-	-	-	-	-
2025	-1.49%	-6.46%	-8.87%	9.40%	6.51%	17.84%	10.80%	2.62%	5.65%	-5.15%	-11.37%	-7.31%
2024	-0.69%	1.18%	15.23%	0.55%	16.62%	14.61%	-0.03%	-10.12%	-15.30%	6.70%	4.70%	-0.65%
2023	-16.65%	-9.35%	-4.87%	-19.02%	-9.76%	-24.52%	8.12%	28.12%	21.42%	0.41%	0.16%	-0.70%
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Performance and Valuation Metrics

Metrics	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Leverage & Debt
Interest Coverage TTM	-0.83	-0.86	-0.83	-0.89	-0.92	-0.28	0.17	0.73	1.44	1.26	1.44	1.83
Per Share Metrics
Diluted EPS TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Free Cash Flow Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	-0.00	0.00	0.00	0.01	0.01	0.01
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	63.49%	61.84%	59.71%	57.58%	55.82%	54.33%	48.50%	50.16%	52.72%	57.22%	70.33%	78.63%
Operating Profit Margin TTM	11.03%	8.84%	9.86%	6.44%	4.27%	15.09%	13.44%	15.13%	17.96%	9.38%	13.06%	17.75%
Net Profit Margin TTM	10.72%	8.81%	9.02%	5.90%	3.69%	13.60%	12.99%	14.89%	17.60%	9.77%	12.98%	16.46%
Growth Metrics
Net Revenue Growth (1Y)	2.91%	2.90%	2.37%	2.19%	2.17%	3.96%	6.54%	9.98%	14.89%	19.09%	28.29%	35.56%
Net Income Growth (1Y)	198.67%	-33.33%	-28.89%	-59.51%	-78.56%	44.75%	6.58%	-0.52%	1.54%	-44.43%	-24.98%	-1.66%
EPS Growth (1Y)	198.00%	-33.51%	-29.10%	-59.63%	-78.61%	45.23%	6.35%	-0.73%	3.59%	-45.70%	-25.15%	-1.84%
Valuation Metrics
P/E TTM	15,666.00	18,461.20	16,547.33	21,902.48	36,905.70	9,656.40	11,507.48	7,719.60	6,555.34	12,362.75	8,346.64	6,712.66
P/B TTM	897.25	854.76	820.39	754.54	803.72	773.59	832.22	681.63	666.82	703.11	759.13	647.56
P/S TTM	1,678.76	1,626.97	1,492.87	1,292.10	1,362.71	1,313.46	1,494.67	1,149.38	1,153.44	1,207.70	1,083.70	1,104.85
Market Cap	154.69B	149.30B	135.77B	116.39B	122.01B	117.13B	132.78B	101.31B	101.08B	103.60B	90.37B	88.55B
Enterprise Value	154.67B	149.28B	135.75B	116.37B	121.99B	117.11B	132.76B	101.29B	101.06B	103.58B	90.35B	88.53B
Calculated Values
Free Cash Flow TTM	16.54M	9.05M	12.13M	6.85M	3.48M	6.73M	-2.38M	6.76M	18.59M	23.06M	27.31M	27.58M
Net Debt	-15.76M	-18.27M	-19.46M	-23.03M	-18.56M	-17.88M	-23.07M	-19.06M	-16.42M	-17.94M	-17.92M	-23.21M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-03-31Purchase

Owner: Scheub, Todd M.

Title: Executive Vice President

Shares: 38

Price/Share: $36.50

Value: $1,397.95

Shares Owned: 11,688

Relationship: Officer

Ownership: Indirect

2026-03-31Purchase

Owner: Lowry, Robert T

Title: Executive Vice President

Shares: 50

Price/Share: $36.50

Value: $1,817.34

Shares Owned: 15,194

Relationship: Officer

Ownership: Indirect

2026-03-31Purchase

Owner: Bochnowski, Benjamin J

Title: President, CEO

Shares: 6

Price/Share: $36.50

Value: $222.65

Shares Owned: 1,862

Relationship: Director,Officer

Ownership: Indirect

2025-12-30Purchase

Owner: Bochnowski, Benjamin J

Title: President, CEO

Shares: 6

Price/Share: $35.56

Value: $221.89

Shares Owned: 1,856

Relationship: Director,Officer

Ownership: Indirect

2025-12-30Purchase

Owner: Lowry, Robert T

Title: Executive Vice President

Shares: 51

Price/Share: $35.56

Value: $1,811.43

Shares Owned: 15,144

Relationship: Officer

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-03-31	Scheub, Todd M.	Officer	Executive Vice President	Indirect	Purchase	38	36.50	$1,397.95	11,688	4
2026-03-31	Lowry, Robert T	Officer	Executive Vice President	Indirect	Purchase	50	36.50	$1,817.34	15,194	4
2026-03-31	Bochnowski, Benjamin J	Director,Officer	President, CEO	Indirect	Purchase	6	36.50	$222.65	1,862	4
2025-12-30	Bochnowski, Benjamin J	Director,Officer	President, CEO	Indirect	Purchase	6	35.56	$221.89	1,856	4
2025-12-30	Lowry, Robert T	Officer	Executive Vice President	Indirect	Purchase	51	35.56	$1,811.43	15,144	4
2025-12-30	Scheub, Todd M.	Officer	Executive Vice President	Indirect	Purchase	39	35.56	$1,393.24	11,649	4
2025-06-13	Bochnowski, Benjamin J	Director,Officer	President, CEO	Direct	Purchase	100	29.00	$2,900.00	29,989	4
2025-06-13	Schmitt, Benjamin Louis	Officer	Chief Financial Officer	Direct	Purchase	500	28.99	$14,495.00	5,577	4
2025-05-12	Bochnowski, Benjamin J	Director,Officer	President, CEO	Indirect	Purchase	7	30.52	$220.35	1,843	4
2025-05-12	Scheub, Todd M.	Officer	Executive Vice President	Indirect	Purchase	45	30.52	$1,382.86	11,567	4
2025-05-12	Lowry, Robert T	Officer	Executive Vice President	Indirect	Purchase	59	30.52	$1,797.63	15,037	4
2025-04-27	Scheub, Todd M.	Officer	Executive Vice President	Direct	Sale	375	30.92	$11,595.00	6,549	4
2025-03-12	Bochnowski, Benjamin J	Director,Officer	President, CEO	Direct	Purchase	1,000	28.70	$28,700.00	29,629	4
2025-03-11	Youman, Robert W.	Director	-	Indirect	Purchase	1,400	27.76	$38,864.00	22,773	4
2025-03-11	Schmitt, Benjamin Louis	Officer	Chief Financial Officer	Direct	Purchase	400	27.83	$11,132.00	5,077	4
2025-02-28	Alwin, Martin P	Director	-	Indirect	Purchase	911	26.70	$24,323.70	1,911	4
2025-02-28	Schmitt, Benjamin Louis	Officer	Chief Financial Officer	Direct	Purchase	500	26.56	$13,280.00	4,677	4
2025-02-27	Burke, Carolyn M.	Director	-	Direct	Purchase	550	26.45	$14,547.50	3,200	4
2025-02-07	Burke, Carolyn M.	Director	-	Direct	Purchase	800	26.50	$21,200.00	2,300	4
2025-02-07	Schmitt, Benjamin Louis	Officer	Chief Financial Officer	Direct	Purchase	500	27.00	$13,500.00	4,001	4/A
2025-02-06	Burke, Carolyn M.	Director	-	Direct	Purchase	500	26.85	$13,425.00	1,500	4
2025-02-03	Burke, Carolyn M.	Director	-	Direct	Purchase	1,000	26.80	$26,800.00	1,000	4
2025-02-03	Bochnowski, Benjamin J	Director,Officer	President, CEO	Direct	Purchase	200	26.75	$5,350.00	28,844	4
2024-12-13	Schmitt, Benjamin Louis	Officer	Chief Financial Officer	Direct	Purchase	500	31.13	$15,565.00	3,490	4
2024-12-05	Bochnowski, Benjamin J	Director,Officer	President, CEO	Direct	Purchase	233	31.01	$7,225.33	28,644	4
2024-10-31	Lowry, Robert T	Officer	Executive Vice President	Indirect	Purchase	57	31.28	$1,782.65	14,912	4
2024-10-31	Schmitt, Benjamin Louis	Officer	Chief Financial Officer	Direct	Purchase	10	31.28	$298.10	2,990	4
2024-10-31	Scheub, Todd M.	Officer	Executive Vice President	Indirect	Purchase	44	31.28	$1,371.32	11,471	4
2024-10-31	Bochnowski, Benjamin J	Director,Officer	President, CEO	Indirect	Purchase	7	31.28	$218.33	1,828	4
2024-09-13	Bochnowski, Benjamin J	Director,Officer	President, CEO	Direct	Sale	2	28.36	$51.05	27,291	4
2024-09-11	Bochnowski, Benjamin J	Director,Officer	President, CEO	Direct	Purchase	200	27.74	$5,548.00	27,302	4
2024-07-30	Krupinski, Kenneth V	Director	-	Indirect	Sale	736	28.42	$20,917.12	264	4
2024-02-14	Bochnowski, Benjamin J	Director,Officer	President, CEO	Direct	Purchase	37	26.65	$986.05	28,881	4
2024-02-05	Bochnowski, Benjamin J	Director,Officer	President, CEO	Direct	Purchase	9	24.53	$212.43	23,292	4
2024-02-05	Scheub, Todd M.	Officer	Executive Vice President	Direct	Purchase	54	24.53	$1,333.94	8,664	4
2024-02-05	Lowry, Robert T	Officer	Executive Vice President	Direct	Purchase	71	24.53	$1,734.03	9,505	4
2024-02-03	Scheub, Todd M.	Officer	Executive Vice President	Indirect	Purchase	51	27.02	$1,376.40	11,522	4
2024-02-03	Schmitt, Benjamin Louis	Officer	Chief Financial Officer	Direct	Purchase	11	27.10	$298.91	3,501	4
2024-02-03	Lowry, Robert T	Officer	Executive Vice President	Indirect	Purchase	66	27.02	$1,788.99	14,978	4
2024-02-03	Bochnowski, Benjamin J	Director,Officer	President, CEO	Indirect	Purchase	8	27.02	$219.40	1,836	4
2023-12-04	Bochnowski, David A	Other	-	Direct	Purchase	2,275	21.48	$48,867.00	252,962	4
2023-11-27	Bochnowski, David A	Other	-	Direct	Purchase	225	20.93	$4,709.25	313,397	4/A
2023-11-27	Bochnowski, David A	Director	-	Direct	Purchase	225	20.93	$4,709.25	313,397	4/A
2023-11-27	Bochnowski, David A	Director,Officer,TenPercentOwner	Executive Chairman	Direct	Purchase	225	20.93	$4,709.25	313,397	4
2023-05-15	Torabi, Peymon	Officer	Executive Vice President	Direct	Purchase	100	26.36	$2,636.00	3,248	4
2023-05-12	Han, Amy Wong	Director	-	Direct	Purchase	140	25.99	$3,638.60	7,715	4
2023-05-12	Bochnowski, Benjamin J	Director,Officer	President, CEO	Direct	Purchase	250	26.18	$6,545.00	24,177	4
2023-05-12	Lowry, Robert T	Officer	Executive Vice President	Direct	Purchase	190	26.27	$4,991.30	9,624	4
2023-05-12	Bochnowski, David A	Director,Officer,TenPercentOwner	Executive Chairman	Direct	Purchase	1,143	26.23	$29,980.89	252,855	4
2023-05-02	Han, Amy Wong	Director	-	Direct	Purchase	300	30.23	$9,069.00	7,575	4
2023-05-01	Bochnowski, Benjamin J	Director,Officer	President, CEO	Direct	Purchase	644	30.07	$19,365.08	23,927	4
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Institutional Ownership

No data available for chart

2026-03-31

0.05%

Inst. Shares: 2,054,482

Shares Outstanding: 4,276,530,000

2025-12-31

0.05%

Inst. Shares: 2,050,520

Shares Outstanding: 4,271,350,000

2025-09-30

0.04%

Inst. Shares: 1,895,665

Shares Outstanding: 4,273,022,000

2025-06-30

0.04%

Inst. Shares: 1,748,583

Shares Outstanding: 4,271,952,000

2025-03-31

0.04%

Inst. Shares: 1,525,094

Shares Outstanding: 4,266,976,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	2,054,482	4,276,530,000	0.05%
2025-12-31	2,050,520	4,271,350,000	0.05%
2025-09-30	1,895,665	4,273,022,000	0.04%
2025-06-30	1,748,583	4,271,952,000	0.04%
2025-03-31	1,525,094	4,266,976,000	0.04%
2024-12-31	1,190,188	4,259,570,000	0.03%
2024-09-30	1,339,413	4,260,809,000	0.03%
2024-06-30	1,292,249	4,259,695,000	0.03%
2024-03-31	1,213,777	4,256,667,000	0.03%
2023-12-31	1,120,606	4,273,824,000	0.03%
2023-09-30	1,074,424	4,251,920,000	0.03%
2023-06-30	1,066,795	4,250,304,000	0.03%
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Finward Bancorp (FNWD) — SEC Financial Statements & Analysis

Finward Bancorp (FNWD) is a savings institution, federally chartered company, incorporated in IN. Finward Bancorp trades on FNWD: Nasdaq as: FNWD. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), Finward Bancorp reported a 2.91% year-over-year revenue growth, a Gross Profit Margin of 63.49% (TTM), a Price-to-Sales (P/S) ratio of 1678.76x (TTM), a Price-to-Book (P/B) ratio of 897.25 (TTM), at a market cap of $154.69B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 2.91%
Gross Profit Margin TTM: 63.49%
P/S TTM: 1678.76x
P/B TTM: 897.25
Market Cap: $154.69B

Data as of 2026-03-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Finward Bancorp in?

Finward Bancorp (FNWD) operates in the Savings Institution, Federally Chartered industry.

What is FNWD's market cap?

Finward Bancorp (FNWD) has a market capitalization of $154.69B as of 2026-03-31.

What is FNWD's P/E ratio?

Finward Bancorp (FNWD)'s trailing twelve month P/E ratio is 15666.00x as of 2026-03-31.

What exchange does FNWD trade on?

Finward Bancorp (FNWD) trades on the FNWD: Nasdaq.

Where is Finward Bancorp incorporated?

Finward Bancorp is incorporated in IN.

Finward Bancorp (FNWD) — SEC Financial Statements & Analysis

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