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Finward Bancorp

Finward Bancorp
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Recent & upcoming events

Sep 18
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Sep 18
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KPI highlights

FY25
Revenue —
Operating income —
Net income $8M YoY -33.3%
EPS $1.89 YoY -33.7%
P/E —
ROE 4.6% Equity ratio 9% Typical equity ratios vary a lot by industry. Banks, brokerages, and other financial companies tend to run lower ratios because leverage (using other people's capital) is core to their business model — a low ratio there isn't a sign of financial weakness.

Ownership over time

Share of total shares outstanding (disclosed major holdings + undisclosed)（2021–2026）

機関投資家 48.4%未開示 51.6%202120222023202420252026
機関投資家 48.4%未開示 51.6%21Q221Q422Q222Q423Q223Q424Q224Q425Q326Q1
機関投資家未開示・浮動株

「国内機関」は信託銀行の名義口座（年金・パッシブ・一部海外資本を含む）を集計し、実質保有者へは分解していません。分類は開示名称からの推定です。

Top shareholders — rank & share

ALLIANCEBERNSTEIN 9.6%ALLIANCEBERNSTEIN L.P.PL Capital Advisor 9.1%PL Capital Advisors, LLCVANGUARD CAPITAL M 3.8%VANGUARD CAPITAL MANAGEMENT LLCBlackRock, Inc. 3.7%BlackRock, Inc.Finward Bancorp 3%Finward BancorpENDEAVOUR CAPITAL 2.3%ENDEAVOUR CAPITAL ADVISORS INCGEODE CAPITAL MANA 1.9%GEODE CAPITAL MANAGEMENT, LLCWELLINGTON MANAGEM 1.3%WELLINGTON MANAGEMENT GROUP LLPGOLDMAN SACHS GROU 1.3%GOLDMAN SACHS GROUP INCSTATE STREET CORP 1.2%STATE STREET CORP202120222023202420252026
ALLIANCEBERNSTEIN 9.6%ALLIANCEBERNSTEIN L.P.PL Capital Advisor 9.1%PL Capital Advisors, LLCVANGUARD CAPITAL M 3.8%VANGUARD CAPITAL MANAGEMENT LLCBlackRock, Inc. 3.7%BlackRock, Inc.Finward Bancorp 3%Finward BancorpENDEAVOUR CAPITAL 2.3%ENDEAVOUR CAPITAL ADVISORS INCGEODE CAPITAL MANA 1.9%GEODE CAPITAL MANAGEMENT, LLCWELLINGTON MANAGEM 1.3%WELLINGTON MANAGEMENT GROUP LLPGOLDMAN SACHS GROU 1.3%GOLDMAN SACHS GROUP INCSTATE STREET CORP 1.2%STATE STREET CORP21Q221Q422Q222Q423Q223Q424Q224Q425Q326Q1

Top shareholders — actual figures (as of 2026)

Holder Shares held Ratio Source
ALLIANCEBERNSTEIN L.P. 413,735 9.6% 13F
PL Capital Advisors, LLC 395,716 9.1% 13F
VANGUARD CAPITAL MANAGEMENT LLC 162,302 3.8% 13F
BlackRock, Inc. 160,243 3.7% 13F
Finward Bancorp 131,560 3.0% 13F
その他機関投資家（13F 51社） 107,444 2.5% 13F
ENDEAVOUR CAPITAL ADVISORS INC 99,543 2.3% 13F
GEODE CAPITAL MANAGEMENT, LLC 80,650 1.9% 13F
WELLINGTON MANAGEMENT GROUP LLP 55,210 1.3% 13F
GOLDMAN SACHS GROUP INC 54,417 1.3% 13F
STATE STREET CORP 49,766 1.2% 13F
RENAISSANCE TECHNOLOGIES LLC 45,100 1.0% 13F
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC 44,640 1.0% 13F
ACADIAN ASSET MANAGEMENT LLC 40,814 0.9% 13F
Caldwell Trust Co 40,430 0.9% 13F
NORTHERN TRUST CORP 30,179 0.7% 13F
RAFFLES ASSOCIATES LP 26,580 0.6% 13F
DIMENSIONAL FUND ADVISORS LP 24,178 0.6% 13F
VANGUARD FIDUCIARY TRUST CO 23,498 0.5% 13F
PNC FINANCIAL SERVICES GROUP, INC. 20,046 0.5% 13F
VANGUARD PORTFOLIO MANAGEMENT LLC 19,820 0.5% 13F
OLD NATIONAL BANCORP /IN/ 15,999 0.4% 13F
AQR CAPITAL MANAGEMENT LLC 15,790 0.4% 13F
Black Maple Capital Management LP 14,678 0.3% 13F
MORGAN STANLEY 12,182 0.3% 13F
Mesirow Financial Investment Management, Inc. 10,667 0.2% 13F

Source：SEC EDGAR（DEF 14A・13D/G・13F）　Classification inferred from disclosed names

F-Score (Piotroski)

4/9 3 of 9 items lack data

Checks financial health against 9 criteria and shows how many are met as a fraction (more ✓ marks is healthier). Items with no data are shown as “—” — they're simply excluded from judgment, not counted against the score.

✓ Positive ROA ROA 0.4%
✓ Positive operating cash flow $10M
✗ ROA improved YoY 0.6% → 0.4%
✓ Operating CF exceeds net income (accrual quality) OCF $10M / net income $8M
✓ Equity ratio improved* Substitute for the original “decrease in long-term debt” 7.3% → 8.6%
— Current ratio improved No data
✗ No dilution (shares outstanding did not increase) 4,298,773 → 4,326,747
— Gross margin improved No data
— Asset turnover improved No data

This score is reference information based on our own financial metrics. It is NOT a credit rating issued by a credit rating agency under Article 66-27 of the Financial Instruments and Exchange Act, and is NOT investment advice or a recommendation. Make investment decisions at your own responsibility.

Fact checklist

FY25
Equity ratio 8.6%
Current ratio —
Years of positive operating CF 12 of last 12 yrs
Payout ratio —
Latest fiscal year result Profit (net income $8M)

Performance history

Last 10 years

Income & assets

Unit: $1M
Item FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Revenue ——————————
Operating income ——————————
Ordinary income ——————————
Net income 9.148.969.3412.115.915.015.18.3812.18.09
Total assets 9149271,0961,3291,4961,6212,0702,1082,0612,021
Equity 84.192.1101134152157130147151175

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Indicators & cash flow

Unit: $1M
Item FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
EPS $3.20$3.13$3.17$3.53$4.80$4.30$3.61$1.96$2.85$1.89
ROE 10.9%9.7%9.2%9.1%10.5%9.6%11.6%5.7%8.0%4.6%
Operating CF 10.412.310.511.019.717.017.724.29.819.90
Investing CF -21.3-47.8-31.2-28.2-185-126-1.1315.042.894.9
Financing CF 43.62.3426.747.3138122-18.515.5-68.0-55.7
FCF ——————————

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Source: SEC EDGAR (10-K, etc.) (fetched 2026-07-03) *Some metrics supplemented from additional sources

Is this information incorrect?

Data provided by Twelve Data