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FNWD Finward Bancorp

Trailing twelve months to 2026-06-30 · as filed 2026-08-13, not restated
Financials

Scale

Market cap
$186m
Revenue TTM
$69m
Net income TTM
$10m
Free cash flow
$16m
Composite score
21.9
Sector rank
#2901

Valuation

P / E
19.0
EV / EBITDA
EV / sales
2.7
FCF yield
8.88%
Earnings yield vs 10-yr
0.53pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
14.2%
EBITDA margin
ROE
5.5%
ROIC
Revenue growth
8.8%

Insider activity, last 90 days

Net open-market
$0.00m
Buyers
6
Sellers
0

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

Net income for the three months ended June 30, 2026, was $2.1 million, or $0.48 earnings per diluted common share. Net income for the six months ended June 30, 2026, was $4.3 million, or $1.00 earnings per diluted common share. Financial Condition General During the six months ended June 30, 2026, total assets increased by $19.5 million (0.97%), with interest-earning assets increasing by $23.3 million (1.24%). Given prevailing market conditions such as continued elevated interest rate levels, reduced occupancy as a result of the increase in hybrid work arrangements, we are carefully monitoring these loans for signs of deterioration in credit quality. …Finward Bancorp, 10-Q, period ended 2026-06-30, filed 2026-08-13

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