FNWD Stock - Finward Bancorp
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $111.83M | $96.53M | $83.54M | $66.60M | $69.77M |
| Gross Profit | $71.60M | $63.28M | $78.66M | $63.01M | $60.34M |
| Gross Margin | 64.0% | 65.6% | 94.2% | 94.6% | 86.5% |
| Operating Income | $13.46M | $8.04M | $16.56M | $16.38M | $18.71M |
| Net Income | $12.13M | $8.38M | $15.08M | $14.96M | $15.93M |
| Net Margin | 10.8% | 8.7% | 18.1% | 22.5% | 22.8% |
| EPS | $2.84 | $1.96 | $3.61 | $4.30 | $4.79 |
Finward Bancorp operates as the holding company for Peoples Bank that provides various banking products and services. The company's deposit products include non-interest and interest bearing demand accounts, savings accounts, money market deposit accounts, certificate accounts, and retirement savings plans. Its loan products portfolio comprises residential mortgage loans that enable borrowers to purchase existing homes, refinance existing homes, or construct new homes; construction loans primarily to individuals and contractors; commercial real estate loans; consumer loans to individuals for personal, household, or family purposes; home equity line of credit; home improvement loans and equity loans; commercial business loans; government loans; and loans to municipalities. The company also offers estate and retirement planning services, guardianships, land trusts, profit sharing and 401(k) retirement plans, IRA and Keogh accounts, and investment agency accounts, as well as serves as the personal representative of estates, and acts as trustee for revocable and irrevocable trusts. In addition, it provides insurance and annuity investments to wealth management customers; holds real estate properties; and operates as a real estate investment trust. As of March 2, 2022, the company operated through 30 locations in Lake and Porter counties in Northwest Indiana and South Chicagoland. The company was formerly known as NorthWest Indiana Bancorp and changed its name to Finward Bancorp in May 2021. Finward Bancorp was incorporated in 1994 and is headquartered in Munster, Indiana.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| March 17th 2025 | Hovde Group | Downgrade | Market Perform | - |
| September 6th 2024 | Hovde Group | Resumed | Outperform | $31 |
| April 27th 2023 | Hovde Group | Downgrade | Market Perform | $30 |
Earnings History & Surprises
FNWDEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 28, 2026 | — | — | — | — |
Q1 2026 | Jan 27, 2026 | $0.61 | — | — | — |
Q4 2025 | Oct 28, 2025 | $0.40 | $0.81 | +102.5% | ✓ BEAT |
Q3 2025 | Jul 29, 2025 | $0.26 | $0.50 | +92.3% | ✓ BEAT |
Q2 2025 | Apr 30, 2025 | $0.10 | $0.11 | +10.0% | ✓ BEAT |
Q1 2025 | Mar 31, 2025 | — | $0.49 | — | — |
Q4 2024 | Oct 29, 2024 | $0.18 | $0.14 | -22.2% | ✗ MISS |
Q3 2024 | Jul 24, 2024 | $-0.09 | $0.03 | +133.3% | ✓ BEAT |
Q2 2024 | Apr 24, 2024 | $0.42 | $2.17 | +416.7% | ✓ BEAT |
Q1 2024 | Jan 30, 2024 | $0.46 | $0.35 | -23.9% | ✗ MISS |
Q4 2023 | Oct 25, 2023 | $0.51 | $0.52 | +2.0% | ✓ BEAT |
Q3 2023 | Jul 26, 2023 | $0.56 | $0.57 | +1.8% | ✓ BEAT |
Q2 2023 | Apr 26, 2023 | $0.84 | $0.51 | -39.3% | ✗ MISS |
Q1 2023 | Mar 30, 2023 | — | $0.92 | — | — |
Q4 2022 | Oct 25, 2022 | $1.20 | $1.07 | -10.8% | ✗ MISS |
Q3 2022 | Jul 27, 2022 | $1.19 | $1.03 | -13.4% | ✗ MISS |
Q2 2022 | Apr 27, 2022 | $1.11 | $1.01 | -9.0% | ✗ MISS |
Q1 2022 | Mar 30, 2022 | — | $0.95 | — | — |
Q4 2021 | Nov 9, 2021 | — | $0.88 | — | — |
Q3 2021 | Jul 28, 2021 | — | $1.05 | — | — |
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