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Finward Bancorp FNWD Q3 2025 earnings

Reported October 28, 2025 · Before market open

Revenue$17.4MMiss by $444.0K
EPS$0.81Beat by $0.41
Revenue estimate$17.8M
EPS estimate$0.40

Next report

Oct 27, 2026 (In 3 weeks)
Revenue estimate$19.6M
EPS estimate$0.74

Financials

Q3 2025

Income statement

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Revenue$17.4M+16.7%
Net income$3.5M+477%
EPS (diluted)$0.81+479%

Balance sheet

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Cash & equivalents$104.2M+352%
Total debt$14.7M-3.0%
Total equity$165.5M+3.7%
Total assets$2.1B-1.1%

Cash flow

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Operating cash flow$1.2M+132%
CapEx$152.0K-70.1%
Free cash flow$1.0M+125%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$138.79M+2.0%
Enterprise value$49.26M-61.6%
P/E16.9×+9.5×
P/S2.1×—

Profitability

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Net margin12.5%—
FCF margin18.4%—

Returns & leverage

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Return on equity5%-8.2pp
Debt / equity0.1×0.0×

FAQ

When did Finward Bancorp report Q3 2025 earnings?
Finward Bancorp (FNWD) reported Q3 2025 earnings on October 28, 2025 before market open.
What were Finward Bancorp's Q3 2025 revenue and EPS?
Finward Bancorp reported revenue of $17.4M and eps of $0.81 for Q3 2025.
Did Finward Bancorp beat estimates in Q3 2025?
Revenue missed the consensus estimate of $17.8M by $444.0K. EPS beat the consensus estimate of $0.40 by $0.41.
How did Finward Bancorp's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 16.7% from $14.9M a year earlier and eps grew 478.6% from $0.14.
Where can I find Finward Bancorp's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001628280-25-046848) and the 10-Q periodic report (0001628280-25-051584) directly on SEC EDGAR. The filing index links above go to sec.gov.