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Apr 28, 2026·SEC
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Finward Bancorp(FNWD)Earnings, Financials & Key Ratios
FNWD•NASDAQ•Banking & Credit
18.1× P/E·Price updated Jun 11, 2026
AboutFinward Bancorp operates as the holding company for Peoples Bank that provides various banking products and services. The company's deposit products include non-interest and interest bearing demand accounts, savings accounts, money market deposit accounts, certificate accounts, and retirement savings plans. Its loan products portfolio comprises residential mortgage loans that enable borrowers to purchase existing homes, refinance existing homes, or construct new homes; construction loans primarily to individuals and contractors; commercial real estate loans; consumer loans to individuals for personal, household, or family purposes; home equity line of credit; home improvement loans and equity loans; commercial business loans; government loans; and loans to municipalities. The company also offers estate and retirement planning services, guardianships, land trusts, profit sharing and 401(k) retirement plans, IRA and Keogh accounts, and investment agency accounts, as well as serves as the personal representative of estates, and acts as trustee for revocable and irrevocable trusts. In addition, it provides insurance and annuity investments to wealth management customers; holds real estate properties; and operates as a real estate investment trust. As of March 2, 2022, the company operated through 30 locations in Lake and Porter counties in Northwest Indiana and South Chicagoland. The company was formerly known as NorthWest Indiana Bancorp and changed its name to Finward Bancorp in May 2021. Finward Bancorp was incorporated in 1994 and is headquartered in Munster, Indiana.Show more
- Net Interest Income$57M+17.1%
- Total Revenue$101M-9.6%
- Net Income$8M-33.3%
- Return on Equity4.96%-38.9%
- Net Interest Margin2.81%+19.4%
- Efficiency Ratio57.53%+10.6%
- ROA0.4%-31.9%
- Equity / Assets8.64%+17.6%
- Book Value per Share40.69+14.8%
- Tangible BV/Share35.20+18.2%
- Debt/Equity0.48-30.1%
FNWD Key Insights
Finward Bancorp (FNWD) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Trading at only 0.8x book value
✗Weaknesses
- ✗Profits declining 12.7% over 5 years
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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FNWD Price & Volume
Finward Bancorp (FNWD) stock price & volume — 10-year historical chart
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FNWD Growth Metrics
Finward Bancorp (FNWD) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years10.8%
5 Years7.69%
3 Years6.55%
TTM-
Profit CAGR
10 Years0.3%
5 Years-12.68%
3 Years-18.76%
TTM-33.33%
EPS CAGR
10 Years-3.73%
5 Years-17.06%
3 Years-19.47%
TTM-33.65%
Return on Capital
10 Years7.89%
5 Years5.61%
3 Years3.21%
Last Year1.28%
FNWD Recent Earnings
Finward Bancorp (FNWD) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (64%)●Beat Revenue 0/12 qtrs (0%)
Q2 2026Latest
Apr 28, 2026EPS
$0.52
Est $0.54
-2.8%
Revenue
$17M
Est $18M
-5.2%
Q1 2026
Jan 27, 2026EPS
$0.46
Est $0.61
-24.6%
Revenue
$17M
Est $18M
-9.5%
Q4 2025
Oct 28, 2025EPS
$0.81
Est $0.40
+102.5%
Revenue
$17M
Est $18M
-2.5%
Q3 2025
Jul 29, 2025EPS
$0.50
Est $0.26
+92.3%
Revenue
$17M
Est $17M
-1.9%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $0.52vs $0.54-2.8% | $17Mvs $18M-5.2% |
| Q1 2026 | Jan 27, 2026 | $0.46vs $0.61-24.6% | $17Mvs $18M-9.5% |
| Q4 2025 | Oct 28, 2025 | $0.81vs $0.40+102.5% | $17Mvs $18M-2.5% |
| Q3 2025 | Jul 29, 2025 | $0.50vs $0.26+92.3% | $17Mvs $17M-1.9% |
Based on last 12 quarters of dataView full earnings history →
FNWD Peer Comparison
Finward Bancorp (FNWD) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CFBK | 194.63M | 30.25 | 11.25 | 3.06% | 13.75% | 9.65% | 0.66 | |
 NECB | 354.7M | 25.64 | 7.89 | -1.55% | 28.41% | 13.07% | 0.21 | |
 HFBL | 62.17M | 20.22 | 16.05 | -2.88% | 15.66% | 9.28% | 0.07 | |
 CZWI | 198.93M | 20.66 | 14.15 | -9.41% | 16.01% | 7.81% | 0.28 | |
 FHN | 12.4B | 24.99 | 13.29 | 0.97% | 19.99% | 10.71% | 0.50 | |
 PFSI | 4.21B | 80.68 | 8.68 | 173.81% | 14.31% | 12.02% | 5.35 | |
 FIS | 19.82B | 38.35 | 51.13 | 5.43% | 22.91% | 18.45% | 0.29 | |
 JKHY | 9.12B | 125.96 | 20.19 | 7.21% | 20.64% | 24.03% |
Compare FNWD vs Peers
Finward Bancorp (FNWD) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FNWD Income Statement
Finward Bancorp (FNWD) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 30.77M | 34.36M | 43.16M | 45.88M | 48.58M | 67.15M | 54.55M | 48.45M | 56.74M |
NII Growth % | 2.37% | 11.68% | 25.61% | 6.31% | 5.87% | 38.24% | -18.76% | -11.2% | 17.12% |
Net Interest Margin % | 3.32% | 3.13% | 3.25% | 3.07% | 3% | 3.24% | 2.59% | 2.35% | 2.81% |
Interest Income | 33.36M | 39.45M | 52.25M | 51.62M | 50.66M | 72.03M | 85.78M | 89.18M | 91.76M |
Interest Expense | 2.59M | 5.09M | 9.09M | 5.74M | 2.08M | 4.89M | 31.23M | 40.73M | 35.02M |
Loan Loss Provision | 1.2M | 1.31M | 2.58M | 3.69M | 1.51M | 0 | 2.02M | -503K | -205K |
Non-Interest Income | 7.75M | 9.1M | 10.67M | 18.15M | 15.95M | 11.51M | 10.75M | 22.65M | 9.3M |
Non-Interest Income % | 18.86% | 18.74% | 16.96% | 26.01% | 23.94% | 13.78% | 11.13% | 20.25% | 9.2% |
Total Revenue | 41.11M▲ 0% | 48.55M▲ 18.1% | 62.92M▲ 29.6% | 69.77M▲ 10.9% | 66.6M▼ 4.5% | 83.54M▲ 25.4% | 96.53M▲ 15.5% | 111.83M▲ 15.8% | 101.06M▼ 9.6% |
Revenue Growth % | 2.74% | 18.1% | 29.6% | 10.89% | -4.54% | 25.44% | 15.54% | 15.85% | -9.63% |
Non-Interest Expense | 25.49M | 31.38M | 37.39M | 41.64M | 46.64M | 62.1M | 55.23M | 58.14M | 58.14M |
Efficiency Ratio | 62% | 64.64% | 59.42% | 59.68% | 70.02% | 74.33% | 57.22% | 51.99% | 57.53% |
Operating Income | 11.83M▲ 0% | 10.77M▼ 9.0% | 13.86M▲ 28.7% | 18.71M▲ 35.0% | 16.38M▼ 12.5% | 16.56M▲ 1.1% | 8.04M▼ 51.4% | 13.46M▲ 67.2% | 8.11M▼ 39.7% |
Operating Margin % | 28.78% | 22.18% | 22.02% | 26.81% | 24.59% | 19.82% | 8.33% | 12.03% | 8.02% |
Operating Income Growth % | 1.2% | -8.99% | 28.69% | 35% | -12.45% | 1.11% | -51.41% | 67.25% | -39.73% |
Pretax Income | 11.83M▲ 0% | 10.77M▼ 9.0% | 13.86M▲ 28.7% | 18.71M▲ 35.0% | 16.38M▼ 12.5% | 16.56M▲ 1.1% | 8.04M▼ 51.4% | 13.46M▲ 67.2% | 8.11M▼ 39.7% |
Pretax Margin % | 28.78% | 22.18% | 22.02% | 26.81% | 24.59% | 19.82% | 8.33% | 12.03% | 8.02% |
Income Tax | 2.87M | 1.43M | 1.76M | 2.77M | 1.41M | 1.48M | -335K | 1.32M | 23K |
Effective Tax Rate % | 24.25% | 13.28% | 12.69% | 14.83% | 8.63% | 8.93% | -4.16% | 9.85% | 0.28% |
Net Income | 8.96M▲ 0% | 9.34M▲ 4.2% | 12.1M▲ 29.6% | 15.93M▲ 31.7% | 14.96M▼ 6.1% | 15.08M▲ 0.8% | 8.38M▼ 44.4% | 12.13M▲ 44.7% | 8.09M▼ 33.3% |
Net Margin % | 21.8% | 19.23% | 19.23% | 22.84% | 22.47% | 18.05% | 8.68% | 10.85% | 8% |
Net Income Growth % | -1.98% | 4.2% | 29.56% | 31.7% | -6.08% | 0.78% | -44.43% | 44.75% | -33.33% |
Net Income (Continuing) | 8.96M | 9.34M | 12.1M | 15.93M | 14.96M | 15.08M | 8.38M | 12.13M | 8.09M |
EPS (Diluted) | 3.13▲ 0% | 3.08▼ 1.6% | 3.53▲ 14.6% | 4.79▲ 35.7% | 4.30▼ 10.2% | 3.60▼ 16.3% | 1.96▼ 45.6% | 2.84▲ 44.9% | 1.88▼ 33.8% |
EPS Growth % | -2.19% | -1.6% | 14.61% | 35.69% | -10.23% | -16.28% | -45.56% | 44.9% | -33.8% |
EPS (Basic) | 3.13 | 3.08 | 3.53 | 4.79 | 4.30 | 3.61 | 1.96 | 2.84 | 1.89 |
Diluted Shares Outstanding | 2.86M | 3.03M | 3.42M | 3.46M | 3.48M | 4.19M | 4.28M | 4.27M | 4.29M |
FNWD Balance Sheet
Finward Bancorp (FNWD) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 256.83M | 260.17M | 311.1M | 430.59M | 560.07M | 404.53M | 457.38M | 404.14M | 334.49M |
Cash & Due from Banks | 12.34M | 18.4M | 33.88M | 21.82M | 34.42M | 33.63M | 85.59M | 69.93M | 18.27M |
Short Term Investments | 244.49M | 241.77M | 277.22M | 410.67M | 526.89M | 370.9M | 371.79M | 334.21M | 316.23M |
Total Investments | 858.81M | 1B | 1.18B | 1.37B | 1.49B | 1.87B | 1.87B | 1.83B | 316.23M |
Investments Growth % | 5.79% | 16.56% | 17.99% | 16.38% | 8.04% | 26.12% | -0.41% | -2.07% | -82.69% |
Long-Term Investments | 614.32M | 759.3M | 903.96M | 964.02M | 958.36M | 1.5B | 1.49B | 1.49B | 0 |
Accounts Receivables | 3.26M | 3.63M | 4.03M | 4.71M | 5.44M | 7.42M | 8.04M | 7.72M | 1.46B |
Goodwill & Intangibles | 2.79M | 8.17M | 11.11M | 15.23M | 14.23M | 27.19M | 25.67M | 24.25M | 23.57M |
Goodwill | 2.79M | 8.17M | 11.11M | 11.11M | 11.11M | 22.39M | 22.39M | 22.39M | 22.39M |
Intangible Assets | 0 | 0 | 0 | 4.12M | 3.13M | 4.79M | 3.27M | 1.86M | 1.17M |
PP&E (Net) | 19.56M | 24.82M | 29.41M | 30.79M | 31.39M | 40.21M | 38.44M | 47.26M | 44.98M |
Other Assets | 30.49M | 40.06M | 69.11M | 49.06M | 50.01M | 88.71M | 85M | 84.66M | 0 |
Total Current Assets | 260.1M | 263.8M | 315.13M | 437.2M | 565.51M | 411.95M | 465.43M | 411.86M | 1.79B |
Total Non-Current Assets | 667.16M | 832.36M | 1.01B | 1.06B | 1.05B | 1.66B | 1.64B | 1.65B | 68.54M |
Total Assets | 927.26M▲ 0% | 1.1B▲ 18.2% | 1.33B▲ 21.2% | 1.5B▲ 12.6% | 1.62B▲ 8.3% | 2.07B▲ 27.7% | 2.11B▲ 1.8% | 2.06B▼ 2.3% | 2.02B▼ 1.9% |
Asset Growth % | 1.49% | 18.21% | 21.22% | 12.61% | 8.32% | 27.74% | 1.83% | -2.26% | -1.92% |
Return on Assets (ROA) | 0.97% | 0.92% | 1% | 1.13% | 0.96% | 0.82% | 0.4% | 0.58% | 0.4% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 32.18M | 54.63M | 25.5M | 19.86M | 14.58M | 135.5M | 118.12M | 105.12M | 84.7M |
Net Debt | 19.84M | 36.23M | -8.38M | -1.96M | -19.84M | 101.87M | 32.53M | 35.19M | 66.44M |
Long-Term Debt | 20.88M | 43M | 14M | 6.15M | 0 | 120M | 80M | 65M | 45.55M |
Short-Term Debt | 11.3M | 11.63M | 11.5M | 13.71M | 14.58M | 15.5M | 38.12M | 40.12M | 39.15M |
Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 29.39M | 43.6M | 788.49M |
Total Current Liabilities | 814.32M | 951.69M | 1.18B | 1.34B | 1.46B | 1.81B | 1.85B | 1.8B | 1.01B |
Total Non-Current Liabilities | 20.88M | 43M | 14M | 6.15M | 0 | 120M | 109.39M | 108.6M | 834.04M |
Total Liabilities | 835.2M | 994.69M | 1.19B | 1.34B | 1.46B | 1.93B | 1.96B | 1.91B | 1.85B |
Total Equity | 92.06M▲ 0% | 101.46M▲ 10.2% | 134.1M▲ 32.2% | 151.69M▲ 13.1% | 156.62M▲ 3.2% | 136.39M▼ 12.9% | 147.34M▲ 8.0% | 151.41M▲ 2.8% | 174.66M▲ 15.4% |
Equity Growth % | 9.45% | 10.22% | 32.17% | 13.11% | 3.25% | -12.91% | 8.03% | 2.76% | 15.35% |
Equity / Assets (Capital Ratio) | 9.93% | 9.26% | 10.09% | 10.14% | 9.66% | 6.59% | 6.99% | 7.35% | 8.64% |
Return on Equity (ROE) | 10.17% | 9.65% | 10.27% | 11.15% | 9.71% | 10.29% | 5.91% | 8.12% | 4.96% |
Book Value per Share | 32.14 | 33.50 | 39.15 | 43.82 | 45.04 | 32.53 | 34.41 | 35.45 | 40.69 |
Tangible BV per Share | 31.16 | 30.80 | 35.91 | 39.42 | 40.95 | 26.04 | 28.41 | 29.77 | 35.20 |
Common Stock | 361K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Additional Paid-in Capital | 4.87M | 11.93M | 29.66M | 29.99M | 30.43M | 69.03M | 69.56M | 70.03M | 70.33M |
Retained Earnings | 86.51M | 92.33M | 100.19M | 111.26M | 121.91M | 131.66M | 129.4M | 139.46M | 145.99M |
Accumulated OCI | 684K | -2.8M | 4.26M | 10.44M | 4.28M | -64.3M | -51.61M | -58.08M | -41.66M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
FNWD Cash Flow Statement
Finward Bancorp (FNWD) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 12.3M | 10.54M | 10.96M | 19.74M | 17.04M | 17.73M | 24.21M | 9.8M | 9.9M |
Operating CF Growth % | 18.36% | -14.29% | 3.96% | 80.12% | -13.65% | 4.03% | 36.55% | -59.5% | 0.98% |
Net Income | 8.96M | 9.34M | 12.1M | 15.93M | 14.96M | 15.08M | 8.38M | 12.13M | 8.09M |
Depreciation & Amortization | 2.61M | 2.66M | 1.95M | 3.2M | 4.56M | 5.97M | 7.16M | 7.29M | 6.19M |
Deferred Taxes | 266K | 256K | 1.17M | 572K | 137K | 1.19M | -673K | 645K | -556K |
Other Non-Cash Items | 805K | -1.45M | -1.68M | -5.53M | 4.58M | 3.45M | 2.17M | -16M | -1.46M |
Working Capital Changes | -538K | -397K | -2.82M | 5.15M | -7.78M | -8.7M | 6.45M | 5.18M | -2.8M |
Cash from Investing | -47.84M | -31.17M | -28.17M | -185.06M | -125.93M | -1.13M | 15.02M | 42.79M | 94.88M |
Purchase of Investments | -89.4M | -58.63M | -93.2M | -243.35M | -221.24M | -30.42M | -123K | 0 | 0 |
Sale/Maturity of Investments | 81.38M | 57.1M | 69.53M | 118.36M | 99.19M | 95.48M | 14.81M | 27.35M | 35.95M |
Net Investment Activity | -8.02M | -1.54M | -23.67M | -124.99M | -122.05M | 65.06M | 14.69M | 27.35M | 35.95M |
Acquisitions | 0 | 18.26M | 52.56M | 0 | 0 | 33.8M | 0 | 0 | 0 |
Other Investing | -38.16M | -46.88M | -54.02M | -56.34M | -754K | -96.95M | 1.48M | 18.51M | 58.93M |
Cash from Financing | 2.34M | 26.74M | 47.34M | 137.99M | 122.14M | -18.49M | 15.49M | -68.02M | -55.72M |
Dividends Paid | -3.26M | -3.43M | -4.08M | -4.29M | -4.31M | -5.08M | -5.33M | -2.07M | -1.56M |
Share Repurchases | 0 | 0 | -17.49M | -85K | -131K | -120K | -196K | -86K | 0 |
Stock Issued | 14K | 6.93M | 17.49M | 85K | 0 | 0 | 0 | 0 | -150K |
Net Stock Activity | 14K | 6.93M | 0 | 0 | -131K | -120K | -196K | -86K | -150K |
Debt Issuance (Net) | -1000K | 1000K | -1000K | -1000K | -1000K | 1000K | -1000K | -1000K | -1000K |
Other Financing | 13.25M | 7.73M | 80.55M | 147.92M | 132.73M | -133.3M | 61.02M | -50.86M | -34.01M |
Net Change in Cash | -33.2M▲ 0% | 6.11M▲ 118.4% | 30.12M▲ 392.6% | -27.34M▼ 190.8% | 13.25M▲ 148.5% | -1.89M▼ 114.3% | 54.73M▲ 2989.4% | -15.42M▼ 128.2% | 49.06M▲ 418.1% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 44.22M | 11.03M | 17.14M | 47.26M | 19.92M | 33.18M | 31.28M | 86.01M | 70.58M |
Cash at End | 11.03M | 17.14M | 47.26M | 19.92M | 33.18M | 31.28M | 86.01M | 70.58M | 119.65M |
Interest Paid | 2.59M | 4.95M | 9.1M | 5.87M | 2.11M | 4.57M | 28.53M | 43.18M | 35.3M |
Income Taxes Paid | 1.9M | 1.13M | 1.6M | 1.02M | 2.19M | 1.35M | 241K | 415K | 150K |
Free Cash Flow | 10.64M▲ 0% | 9.53M▼ 10.5% | 7.92M▼ 16.9% | 16M▲ 102.1% | 13.91M▼ 13.0% | 14.7M▲ 5.6% | 23.06M▲ 56.9% | 6.73M▼ 70.8% | 7.65M▲ 13.6% |
FCF Growth % | 22.59% | -10.45% | -16.93% | 102.13% | -13.04% | 5.63% | 56.9% | -70.81% | 13.62% |
FNWD Banking Ratios
Finward Bancorp (FNWD) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 11.08% | 10.17% | 9.65% | 10.27% | 11.15% | 9.71% | 10.29% | 5.91% | 8.12% | 4.96% |
| Return on Assets (ROA) | 1.03% | 0.97% | 0.92% | 1% | 1.13% | 0.96% | 0.82% | 0.4% | 0.58% | 0.4% |
| Net Interest Margin | 3.29% | 3.32% | 3.13% | 3.25% | 3.07% | 3% | 3.24% | 2.59% | 2.35% | 2.81% |
| Efficiency Ratio | 61.75% | 62% | 64.64% | 59.42% | 59.68% | 70.02% | 74.33% | 57.22% | 51.99% | 57.53% |
| Equity / Assets | 9.21% | 9.93% | 9.26% | 10.09% | 10.14% | 9.66% | 6.59% | 6.99% | 7.35% | 8.64% |
| Book Value / Share | 29.41 | 32.14 | 33.5 | 39.15 | 43.82 | 45.04 | 32.52 | 34.41 | 35.45 | 40.69 |
| NII Growth | 9.81% | 2.37% | 11.68% | 25.61% | 6.31% | 5.87% | 38.24% | -18.76% | -11.2% | 17.12% |
| Dividend Payout | 34.38% | 36.42% | 36.76% | 33.77% | 26.93% | 28.8% | 33.65% | 63.66% | 17.06% | 19.25% |
Related:FNWD Dividend History·FNWD Revenue History·FNWD Price History·FNWD P/E History·FNWD Financial Ratios·FNWD Institutional Holders
FNWD SEC Filings & Documents
Finward Bancorp (FNWD) SEC filings — annual & quarterly reports (10-K, 10-Q)
FNWD Frequently Asked Questions
Finward Bancorp (FNWD) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Finward Bancorp (FNWD) saw revenue decline by 9.6% over the past year.
Yes, Finward Bancorp (FNWD) is profitable, generating $8.1M in net income for fiscal year 2025 (8.0% net margin).
Dividend & Returns
Yes, Finward Bancorp (FNWD) pays a dividend with a yield of 1.07%. This makes it attractive for income-focused investors.
Finward Bancorp (FNWD) has a return on equity (ROE) of 5.0%. This is below average, suggesting room for improvement.
Industry Metrics
Finward Bancorp (FNWD) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.
Finward Bancorp (FNWD) has an efficiency ratio of 57.5%. This is reasonable for a bank.