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Finward Bancorp FNWD Q4 2025 Annual earnings

Reported January 27, 2026 · Before market open

Revenue$16.5MMiss by $1.7M
EPS$0.46Miss by $0.15
Revenue estimate$18.3M
EPS estimate$0.61

Next report

Oct 27, 2026 (in 3 months)
Revenue estimate$19.6M
EPS estimate$0.74

Financials

Q4 2025

Income statement

See full
Revenue$16.5M+1.1%
Net income$2.0M-5.6%
EPS (diluted)$0.46-6.1%

Balance sheet

See full
Cash & equivalents$119.6M+69.5%
Total debt$14.5M-81.8%
Total equity$174.7M+15.4%
Total assets$2.0B-1.9%

Cash flow

See full
Operating cash flow$7.7M-28.4%
CapEx$240.0K+8.1%
Free cash flow$7.5M-29.1%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$152.27M+25.6%
Enterprise value$47.15M-63.9%
P/E18.8×+8.8×
P/S2.3×+0.6×

Profitability

See full
Net margin12.2%-4.8pp
FCF margin13.7%+4.2pp

Returns & leverage

See full
Return on equity5%-3.2pp
Debt / equity0.1×-0.4×

Versus estimates

Revenue

Q2 2026$17.6MMiss by $1.3MQ1 2026$17.5MMiss by $962.0K
Q4 2025$16.5MMiss by $1.7M
Q3 2025$17.4MMiss by $444.0KQ2 2025$16.6MMiss by $322.0KQ1 2025$15.5MMiss by $708.0K

Diluted EPS

Q2 2026$0.48Miss by $0.14Q1 2026$0.52Miss by $0.02
Q4 2025$0.46Miss by $0.15
Q3 2025$0.81Beat by $0.41Q2 2025$0.50Beat by $0.24Q1 2025$0.11Beat by $0.02

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Questions, answered.

When did Finward Bancorp report Q4 2025 earnings?
Finward Bancorp (FNWD) reported Q4 2025 earnings on January 27, 2026 before market open.
What were Finward Bancorp's Q4 2025 revenue and EPS?
Finward Bancorp reported revenue of $16.5M and eps of $0.46 for Q4 2025.
Did Finward Bancorp beat estimates in Q4 2025?
Revenue missed the consensus estimate of $18.3M by $1.7M. EPS missed the consensus estimate of $0.61 by $0.15.
How did Finward Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 37.3% from $26.3M a year earlier and eps declined 5.6% from $0.49.
Where can I find Finward Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001628280-26-003599) and the 10-K periodic report (0001628280-26-021073) directly on SEC EDGAR. The filing index links above go to sec.gov.