Finward Bancorp financials
$42.17−0.66%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Quarter | Q2 '26 Jun 30 | Q1 '26 Mar 31 | Q4 '25 Dec 31 | Q3 '25 Sep 30 | Q2 '25 Jun 30 | Q1 '25 Mar 31 | Q4 '24 Dec 31 | Q3 '24 Sep 30 | Q2 '24 Jun 30 | Q1 '24 Mar 31 | Q4 '23 Dec 31 | Q3 '23 Sep 30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $25.5M | $25.1M | $24.9M | $26.3M | $25.4M | $24.6M | $26.3M | $25.3M | $24.7M | $35.5M | $25.0M | $24.2M |
| Gross profit | $17.6M | $17.5M | $16.5M | $17.4M | $16.6M | $15.5M | $16.3M | $14.9M | $14.6M | $25.3M | $15.4M | $15.5M |
| Gross margin | 69.0% | 69.6% | 66.4% | 66.1% | 65.6% | 63.3% | 62.1% | 58.7% | 59.2% | 71.2% | 61.8% | 64.2% |
| Operating income | $2.5M | $2.7M | $1.8M | $3.6M | $2.1M | $616.0K | $2.7M | $399.0K | $134.0K | $10.3M | $1.2M | $1.8M |
| Net income | $2.1M | $2.2M | $2.0M | $3.5M | $2.2M | $455.0K | $2.1M | $606.0K | $143.0K | $9.3M | $1.5M | $2.2M |
| Net margin | 8.2% | 8.9% | 8.0% | 13.3% | 8.5% | 1.9% | 8.0% | 2.4% | 0.6% | 26.2% | 6.0% | 9.1% |
| Diluted EPS | $0.48 | $0.52 | $0.46 | $0.81 | $0.50 | $0.11 | $0.49 | $0.14 | $0.03 | $2.17 | $0.36 | $0.51 |
| EBITDA | $2.5M | $2.7M | $1.8M | $3.6M | $2.1M | $616.0K | $2.7M | $399.0K | $134.0K | $10.3M | $1.2M | $1.8M |
| Operating cash flow | $4.7M | $3.6M | $7.7M | $1.2M | $4.8M | -$3.8M | $10.8M | -$3.7M | $2.8M | -$25.0K | $1.8M | $5.2M |
| Free cash flow | $4.5M | $3.5M | $7.7M | $685.0K | $4.5M | -$4.0M | $10.6M | -$4.2M | $1.1M | -$17.0M | $1.4M | $4.9M |
| Diluted shares | 4.3M | 4.3M | 4.3M | 4.3M | 4.3M | 4.3M | 4.3M | 4.3M | 4.3M | 4.3M | 4.3M | 4.3M |
Balance sheet
| Period end | Jun 30 | Mar 31 | Dec 31 | Sep 30 | Jun 30 | Mar 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $17.4M | $15.8M | $18.3M | $19.5M | $23.0M | $18.6M |
| Short-term investments | $394.0M | $417.2M | $424.2M | $426.4M | $414.8M | $390.5M |
| Total debt | $65.0M | $50.0M | $45.0M | $55.0M | $65.0M | $56.7M |
| Total assets | $2.04B | $2.02B | $2.02B | $2.05B | $2.06B | $2.04B |
| Total liabilities | $1.86B | $1.84B | $1.85B | $1.89B | $1.90B | $1.89B |
| Shareholders' equity | $178.3M | $172.4M | $174.7M | $165.5M | $154.3M | $151.8M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology