Finward Bancorp reports Q1 EPS 11c, consensus 9c
Financial Performance Overview: The company reported Q1 total revenue of $15.54M, slightly below the consensus of $16.25M, with a net interest margin increase to 2.81% from 2.65% in Q4.
Credit Quality and Future Outlook: Non-performing loans decreased to $12.5M (0.84% of total loans), and the CEO emphasized a focus on capital and credit quality amid economic uncertainty, while also identifying opportunities for improvement in operating expenses and non-interest income.
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Finward Bancorp Reports Q4 Earnings Highlights
- 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.
Daily Upgrade Report for Validea Motley Fool Strategy - November 18, 2025
Validea's Small-Cap Growth Investor Model: The model, based on Motley Fool's strategy, identifies small-cap growth stocks with strong fundamentals and price performance, highlighting several stocks with improved ratings, such as Finward Bancorp and FRMO Corp.
Company Ratings and Descriptions: Various companies, including NewtekOne Inc. and RADCOM Ltd., have seen their ratings increase significantly, indicating potential investment interest based on their financial health and market performance.
Industry Focus: The stocks analyzed span multiple industries, including banking, investment services, and technology, showcasing a diverse range of investment opportunities for small-cap and mid-cap stocks.
Investment Strategy Insights: The article emphasizes the importance of scoring above 80% for investment interest, with detailed analyses provided for each company to assess their alignment with the investment strategy's criteria.
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.
Finward Bancorp Announces Dividend
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.
Finward Bancorp Announces Earnings for the Quarter Ended March 31, 2025
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.
Finward Bancorp Reports Significant Decrease in Q1 2025 Net Income to $456,000
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.
Finward Bancorp Reports Q4 Earnings Highlights
- 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.
Daily Upgrade Report for Validea Motley Fool Strategy - November 18, 2025
Validea's Small-Cap Growth Investor Model: The model, based on Motley Fool's strategy, identifies small-cap growth stocks with strong fundamentals and price performance, highlighting several stocks with improved ratings, such as Finward Bancorp and FRMO Corp.
Company Ratings and Descriptions: Various companies, including NewtekOne Inc. and RADCOM Ltd., have seen their ratings increase significantly, indicating potential investment interest based on their financial health and market performance.
Industry Focus: The stocks analyzed span multiple industries, including banking, investment services, and technology, showcasing a diverse range of investment opportunities for small-cap and mid-cap stocks.
Investment Strategy Insights: The article emphasizes the importance of scoring above 80% for investment interest, with detailed analyses provided for each company to assess their alignment with the investment strategy's criteria.
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.
Finward Bancorp Announces Dividend
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.
Finward Bancorp Announces Earnings for the Quarter Ended March 31, 2025
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.
Finward Bancorp Reports Significant Decrease in Q1 2025 Net Income to $456,000
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.
