Finward Bancorp (FNWD) Earnings History
Earnings Pressure30 years of earnings data (1996–2025) · 5-year EPS trend is negative
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Finward Bancorp (FNWD) Earnings Overview
As of June 13, 2026, Finward Bancorp (FNWD) reported trailing twelve-month net income of $8M, reflecting -33.8% year-over-year growth. The company earned $1.88 per diluted share over the past four quarters, with a net profit margin of 8.0%.
Looking at the long-term picture, FNWD's 5-year EPS compound annual growth rate (CAGR) stands at -17.1%, signaling declining earnings. The company achieved its highest annual net income of $16M in fiscal 2020.
Finward Bancorp maintains positive profitability with a gross margin of 65.6%, operating margin of 8.0%, and net margin of 8.0%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including CFBK ($17M net income, 13.5% margin), NECB ($44M net income, 28.2% margin), HFBL ($5M net income, 12.0% margin), FNWD has room to improve margins relative to the peer group. Compare FNWD vs CFBK →
FNWD Earnings vs Peers
Earnings metrics vs comparable public companies
FNWD Historical Earnings Data (1996–2025)
30 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $8M | -33.3% | $8M | $1.88 | 8.0% | 8.0% |
| 2024 | $12M | +44.7% | $13M | $2.84 | 10.8% | 12.0% |
| 2023 | $8M | -44.4% | $8M | $1.96 | 8.7% | 8.3% |
| 2022 | $15M | +0.8% | $17M | $3.60 | 18.1% | 19.8% |
| 2021 | $15M | -6.1% | $16M | $4.30 | 22.5% | 24.6% |
| 2020 | $16M | +31.7% | $19M | $4.79 | 22.8% | 26.8% |
| 2019 | $12M | +29.6% | $14M | $3.53 | 19.2% | 22.0% |
| 2018 | $9M | +4.2% | $11M | $3.08 | 19.2% | 22.2% |
| 2017 | $9M | -2.0% | $12M | $3.13 | 21.8% | 28.8% |
| 2016 | $9M | +16.4% | $12M | $3.20 | 22.8% | 29.2% |
| 2015 | $8M | +6.2% | $10M | $2.75 | 21.7% | 26.6% |
| 2014 | $7M | +3.9% | $10M | $2.60 | 22.2% | 28.7% |
| 2013 | $7M | +3.9% | $10M | $2.51 | 22.6% | 30.2% |
| 2012 | $7M | +27.3% | $9M | $2.41 | 20.4% | 26.2% |
| 2011 | $5M | +4.0% | $7M | $1.90 | 16.2% | 19.8% |
| 2010 | $5M | +108.2% | $6M | $1.83 | 14.4% | 16.6% |
| 2009 | $2M | -58.0% | $2M | $0.88 | 6.6% | 4.4% |
| 2008 | $6M | +6.1% | $7M | $2.10 | 14.9% | 18.6% |
| 2007 | $6M | -13.7% | $7M | $1.98 | 13.9% | 18.0% |
| 2006 | $6M | -3.0% | $9M | $2.30 | 16.5% | 23.3% |
| 2005 | $7M | +6.1% | $10M | $2.37 | 19.9% | 29.2% |
| 2004 | $6M | +6.0% | $10M | $2.24 | 21.0% | 31.8% |
| 2003 | $6M | +8.1% | $9M | $2.13 | 20.2% | 31.9% |
| 2002 | $5M | +16.6% | $9M | $1.99 | 18.0% | 28.8% |
| 2001 | $5M | +7.8% | $7M | $1.71 | 15.3% | 24.2% |
| 2000 | $4M | +4.1% | $7M | $1.60 | 14.5% | 23.5% |
| 1999 | $4M | +11.6% | $7M | $1.52 | 15.4% | 25.6% |
| 1998 | $4M | +10.2% | $6M | $1.35 | 27.3% | 45.2% |
| 1997 | $3M | +56.1% | $6M | $1.23 | 26.3% | 43.4% |
| 1996 | $2M | - | $4M | $0.80 | 18.2% | 29.9% |
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Compare NowFNWD — Frequently Asked Questions
Quick answers to the most common questions about buying FNWD stock.
What is FNWD earnings per share (EPS)?
FNWD trailing twelve-month (TTM) diluted EPS is $1.88, reflecting -33.8% year-over-year growth. The 5-year EPS CAGR is -17.1%. Complete EPS history from 1996 to 2025 is available in the table on this page.
What is Finward Bancorp's net income?
Finward Bancorp (FNWD) trailing twelve-month net income is $8M as of 2025. Earnings declined -33.8% year-over-year. Finward Bancorp has been profitable for 30 consecutive years.
Is FNWD profitable?
Yes, FNWD is profitable with a TTM net income of $8M and a net profit margin of +8.0%. Finward Bancorp has generated profits for 30 consecutive years.
What is FNWD's earnings growth rate?
FNWD compound annual EPS growth rates (CAGR): 1-Year: -33.8%, 3-Year: -19.5%, 5-Year: -17.1%, 10-Year: -3.7%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1996 to 2025.
What are FNWD's profit margins?
Finward Bancorp net profit margin is +8.0%, operating margin is +8.0%, and gross margin is +65.6%. Margins are within a typical range for the sector. Return on Equity is +5.0%.
Is FNWD growing earnings?
FNWD earnings are declining — EPS fell -33.8% year-over-year. TTM net income dropped to $8M. This contrasts with the 5-year CAGR of -17.1%.
What was FNWD's best earnings year?
Finward Bancorp's highest annual net income on record is $16M, achieved in fiscal year 2020. Earnings history on this page spans 1996 to 2025 and includes all annual and quarterly figures.
What were FNWD's earnings last quarter?
FNWD's most recent reported quarter was Q4 2025. Net income was $2M with diluted EPS of $0.46. For a full breakdown of all quarters, see the quarterly earnings table on this page.