Finward Bancorp Reports Increased Profit in Q3
Earnings Growth: Finward Bancorp reported a significant increase in earnings for the third quarter, totaling $3.49 million, or $0.81 per share, compared to $0.606 million, or $0.14 per share, from the previous year.
Revenue Increase: The company's revenue rose by 20.2% to $14.44 million, up from $12.01 million in the same quarter last year.
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- Earnings Per Share: Finward Bancorp reported a Q4 GAAP EPS of $0.46, indicating stable profitability amidst market challenges.
- Revenue Growth: The company achieved Q4 revenue of $16.5 million, showing an increase compared to the previous year, reflecting positive performance in customer base and market share.
- Financial Health: With continuous revenue growth and stable profitability, Finward Bancorp demonstrates strong financial health, laying a foundation for future investments and expansion.
- Investor Attention: The release of financial data has heightened investor interest in Finward Bancorp, which may influence its stock price movements, reflecting market expectations for its future performance.
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Earnings Growth: Finward Bancorp reported a significant increase in earnings for the third quarter, totaling $3.49 million, or $0.81 per share, compared to $0.606 million, or $0.14 per share, from the previous year.
Revenue Increase: The company's revenue rose by 20.2% to $14.44 million, up from $12.01 million in the same quarter last year.
Dividend Declaration: Finward Bancorp announced a dividend of $0.12 per share on its common stock, payable on September 12, 2025, to shareholders of record by August 29, 2025.
Forward-Looking Statements: The report includes forward-looking statements about Finward's financial performance and risks, emphasizing that actual results may differ due to various uncertainties and regulatory conditions.
Financial Performance: Finward Bancorp reported a net income of $456,000 for Q1 2025, significantly down from $2.1 million in Q4 2024 and $9.3 million in Q1 2024, with a return on equity of 1.17% and a return on assets of 0.09%. The bank's net interest margin increased to 2.95%, attributed to lower deposit costs following Federal Reserve rate cuts.
Asset Quality and Capital Adequacy: Non-performing loans decreased to $12.5 million, improving the ratio of non-performing loans to total loans to 0.84%. The bank maintained strong capital ratios, with a tier 1 capital to adjusted average assets ratio of 8.48%, exceeding regulatory requirements.
Financial Performance: Finward Bancorp reported a significant decline in net income for Q1 2025, totaling $456,000, down from $2.1 million in the previous quarter and $9.3 million in the same quarter last year, attributed to seasonal impacts and economic uncertainty, despite an improvement in non-performing loans.
Operational Highlights: The bank's net interest margin increased to 2.95% due to reduced deposit costs, while total deposits slightly decreased; the bank remains focused on maintaining strong liquidity and improving operational efficiency amidst ongoing economic challenges.








