Finward Bancorp (FNWD) Total Return Calculator with Dividends Reinvested

Finward Bancorp

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The total return for Finward Bancorp (FNWD) stock is +18.73% over the past 12 months. So far it's down 4.19% this year. The 5-year total return is -15.38%, meaning $10,000 invested in FNWD stock 5 years ago would be worth $8,462 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in FNWD 1 year ago, it would be worth $11,963 today — you'd have gained $1,963 with dividends reinvested.

With Dividends Reinvested$11,963+19.63%

Price Only (No DRIP)$11,843+18.43%

Dividend Boost+$1203 payments · +1.20% extra

Period2025-06-13 → 2026-06-12

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in FNWD

1Y$11,873+$1,873 (+18.7%)18.7% CAGR

3Y$16,795+$6,795 (+68.0%)18.9% CAGR

5Y$8,462-$1,538 (-15.4%)-3.3% CAGR

10Y$14,909+$4,909 (+49.1%)4.1% CAGR

15Y$32,300+$22,300 (+223.0%)8.1% CAGR

20Y$17,511+$7,511 (+75.1%)2.8% CAGR

30Y$31,254+$21,254 (+212.5%)3.9% CAGR

Dividend Reinvestment History (3)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-08-29	$0.12	$32.00	+0.003750
2025-12-17	$0.12	$37.75	+0.003191
2026-03-16	$0.12	$37.94	+0.003185

Loading FNWD total return...

As of 2026-06-13

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	-4.19%	—	-4.52%	+0.34 pp	$9,581
1Y	+18.73%	18.73%	+17.49%	+1.24 pp	$11,873
3Y	+67.95%	18.87%	+59.95%	+8.00 pp	$16,795
5Y	-15.38%	-3.29%	-24.65%	+9.27 pp	$8,462
10Y	+49.09%	4.07%	+14.83%	+34.26 pp	$14,909
15Y	+223.00%	8.13%	+126.60%	+96.40 pp	$32,300
20Y	+75.11%	2.84%	+9.29%	+65.82 pp	$17,511
30Y	+212.54%	3.87%	+65.81%	+146.73 pp	$31,254

Risk & Highlights

Best Year+36.43%2012

Worst Year-27.71%2023

Max Drawdown-23.13%2025-12-04 → 2026-05-04

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+4.94%	+4.94%	—	+0.41%	+4.5pp
2025	+25.16%	+23.47%	+1.7pp	+16.64%	+8.5pp
2024	+13.90%	+11.99%	+1.9pp	+24.00%	-10.1pp
2023	-27.71%	-30.28%	+2.6pp	+24.81%	-52.5pp
2022	-18.79%	-21.48%	+2.7pp	-19.95%	+1.2pp

FNWD underperformed the S&P 500 by 4.12pp over the past year (+18.73% vs +22.86%).

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FNWD Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
FNWDFinward Bancorp	$147M	+7.7%	-4.2%	+18.7%	+1.2pp	+68.0%	-15.4%	+49.1%
CFBKCF Bankshares Inc.	$201M	+16.0%	+28.2%	+32.4%	+1.4pp	+98.9%	+65.2%	+338.2%
NECBNortheast Community Bancorp, Inc.	$359M	+9.4%	+15.9%	+17.5%	+4.4pp	+98.4%	+141.9%	+500.4%
HFBLHome Federal Bancorp, Inc. of Louisiana	$60M	-0.2%	+10.5%	+46.0%	+4.0pp	+55.1%	+26.8%	+111.2%
CZWICitizens Community Bancorp, Inc.	$207M	+2.2%	+24.3%	+52.1%	+1.5pp	+153.7%	+69.0%	+149.0%
FHNFirst Horizon Corporation	$12.5B	+5.2%	+5.6%	+30.9%	+4.0pp	+129.7%	+57.1%	+123.8%
PFSIPennyMac Financial Services, Inc.	$4.3B	-7.9%	-37.4%	-15.9%	+1.2pp	+27.6%	+39.5%	+545.5%
FISFidelity National Information Services, Inc.	$20.3B	-8.9%	-38.9%	-49.4%	+2.1pp	-18.9%	-67.3%	-25.6%
JKHYJack Henry & Associates, Inc.	$9.3B	-11.4%	-27.4%	-27.5%	+1.3pp	-15.1%	-14.9%	+74.8%
TRSTTrustCo Bank Corp NY	$979M	+13.3%	+35.7%	+77.1%	+4.7pp	+97.0%	+72.0%	+116.9%
BSVNBank7 Corp.	$446M	+10.0%	+13.0%	+20.3%	+2.7pp	+97.2%	+189.1%	+169.2%

Compare:FNWD vs CFBK FNWD vs NECB FNWD vs HFBL FNWD vs CFBK vs NECB

About FNWD Dividend Returns

Finward Bancorp (FNWD) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of FNWD over the past year?

Finward Bancorp (FNWD) delivered a total return of 18.73% over the past year when dividends are reinvested. The price-only return was 17.49%, meaning dividends contributed an additional 1.24 percentage points to total returns.

Q2How much would $10,000 invested in FNWD be worth today?

A $10,000 investment in Finward Bancorp one year ago would be worth $11,873 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $11,749. Dividend reinvestment added $124 to the portfolio value.

Q3Does FNWD pay dividends?

Yes, Finward Bancorp (FNWD) pays dividends. In the last year, FNWD paid approximately $0.36 per share in dividends (1.07% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did FNWD beat the S&P 500?

No, Finward Bancorp (FNWD) underperformed the S&P 500 by 4.12 percentage points over the past year. FNWD delivered a total return of 18.73%, compared to the S&P 500's 22.86%. This means a passive S&P 500 index fund outperformed FNWD by 4.12pp during this period.

Q5What is FNWD's worst drawdown?

Finward Bancorp (FNWD) experienced a maximum drawdown of -23.13% over the past year, declining from its peak on 2025-12-04 to its trough on 2026-05-04. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is FNWD's long-term total return over 10, 20, or 30 years?

Here are Finward Bancorp (FNWD)'s long-term returns with dividends reinvested. Over 10 years, the total return is 49.1% (4.1% CAGR) — $10,000 would have grown to $14,909. Over 20 years: 75.1% total return (2.8% CAGR) — $10,000 → $17,511. Over 30 years: 212.5% total return (3.9% CAGR) — $10,000 → $31,254. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was FNWD's best and worst year?

Finward Bancorp's best calendar year was 2012 with a total return of 36.4%. Its worst year was 2023 with a total return of -27.7%. This range shows the volatility investors should expect — the difference between the best and worst year is 64.1 percentage points.

How much would $100/month in FNWD be worth today?

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