What is Finward Bancorp's free cash flow margin?

Finward Bancorp (FNWD) reported free cash flow margin of 24.3% in Q1 2026.

How has Finward Bancorp's free cash flow margin changed year-over-year?

Finward Bancorp's free cash flow margin increased by 329.7% year-over-year, from 5.7% to 24.3%.

What does free cash flow margin mean?

Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

Finward Bancorp FNWD Free cash flow margin

Free cash flow margin at other companies

Old National BancorpONB

26.6%-4.4pp

PRO

Provident Financial HoldingsPROV

18.9%—

Riverview BancorpRVSB

49.2%+29.5pp

First Mid Bancshares, Inc.FMBH

27.9%-13.9pp

Citizens & NorthernCZNC

28.3%+3.5pp

West BancorporationWTBA

47.7%+16.5pp

Other financials

Income statement

See full

Revenue$17.5M+12.5%

Net income$2.2M+393%

EPS (diluted)$0.52+373%

Balance sheet

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Cash & equivalents$118.8M+540%

Total debt$14.4M-79.9%

Total equity$172.4M+13.6%

Total assets$2.0B-1.2%

Cash flow

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Operating cash flow$3.6M+195%

CapEx$135.0K-26.2%

Free cash flow$3.5M+188%

Valuation

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Market cap$159.26M+35.3%

Enterprise value$54.91M+88.7%

P/E16.1×-6.0×

P/S2.3×+0.5×

Profitability

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Net margin14.5%+9.1pp

Returns & leverage

See full

Return on equity6.1%+3.9pp

Debt / equity0.1×-0.4×

Where this comes from

Calculated from Finward Bancorp’s reported figures.

free cash flow/total revenue=24.3%

Based on trailing twelve months.

The official record: Finward Bancorp’s 10-Q, filed May 13, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Finward Bancorp's free cash flow margin?: Finward Bancorp (FNWD) reported free cash flow margin of 24.3% in Q1 2026.
How has Finward Bancorp's free cash flow margin changed year-over-year?: Finward Bancorp's free cash flow margin increased by 329.7% year-over-year, from 5.7% to 24.3%.
What does free cash flow margin mean?: Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.