Finward BancorpFNWDEarnings & Financial Report
Finward Bancorp is a U.S.-headquartered regional bank holding company. It offers a full range of retail and commercial banking products and services, including deposit accounts, personal and mortgage loans, small business financing, and wealth management solutions, primarily serving individual customers and small to mid-sized enterprises in its local operating regions.
Revenue
$17.4M
Gross Profit
N/A
Operating Profit
$3.6M
Net Profit
$3.5M
Gross Margin
N/A
Operating Margin
20.5%
Net Margin
20.1%
YoY Growth
16.7%
EPS
$0.81
Finward Bancorp Q3 FY2025 Financial Summary
Finward Bancorp reported revenue of $17.4M (up 16.7% YoY) for Q3 FY2025, with a net profit of $3.5M (up 477.1% YoY) (20.1% margin).
Key Financial Metrics
| Total Revenue | $17.4M |
|---|---|
| Net Profit | $3.5M |
| Gross Margin | N/A |
| Operating Margin | 20.5% |
| Report Period | Q3 FY2025 |
Finward Bancorp Annual Revenue by Year
Finward Bancorp annual revenue history includes year-by-year totals (for example, 2025 revenue was $66.0M).
| Year | Annual Revenue |
|---|---|
| 2025 | $66.0M |
| 2024 | $71.1M |
| 2023 | $54.6M |
| 2022 | $67.1M |
Finward Bancorp Quarterly Revenue & Net Profit History
Finward Bancorp results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $16.5M | +1.1% | $2.0M | 12.0% |
| Q3 FY2025 | $17.4M | +16.7% | $3.5M | 20.1% |
| Q2 FY2025 | $16.6M | +13.7% | $2.2M | 12.9% |
| Q1 FY2025 | $15.5M | -38.5% | $455.0K | 2.9% |
| Q4 FY2024 | $16.3M | +5.8% | $2.1M | 12.9% |
| Q3 FY2024 | $14.9M | -4.2% | $606.0K | 4.1% |
| Q2 FY2024 | $14.6M | -14.2% | $143.0K | 1.0% |
| Q1 FY2024 | $25.3M | +46.2% | $9.3M | 36.7% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $25.3M | $14.6M | $14.9M | $16.3M | $15.5M | $16.6M | $17.4M | $16.5M |
| YoY Growth | 46.2% | -14.2% | -4.2% | 5.8% | -38.5% | 13.7% | 16.7% | 1.1% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $2.07B | $2.08B | $2.07B | $2.06B | $2.04B | $2.06B | $2.05B | $2.02B |
| Liabilities | $1.92B | $1.93B | $1.92B | $1.91B | $1.89B | $1.90B | $1.89B | $1.85B |
| Equity | $151.6M | $148.6M | $159.6M | $151.4M | $151.8M | $154.3M | $165.5M | $174.7M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $-25000 | $2.8M | $-3.7M | $9.8M | $-3.8M | $4.8M | $1.2M | $9.9M |