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Finward Bancorp (FNWD) investor relations material
Finward Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Net income for Q3 2025 was $3.5 million ($0.81 per diluted share), up from $606 thousand in Q3 2024 and $2.2 million in Q2 2025, reflecting improved profitability and margin expansion.
Return on average assets (ROA) for Q3 2025 was 0.68%, and return on equity (ROE) was 8.96%, both higher than the prior quarter.
For the nine months ended September 30, 2025, net income was $6.1 million ($1.42 per diluted share), down from $10.0 million in the prior year period.
Management highlighted stable credit, improved overhead efficiency, and a strong liquidity and capital position.
The FDIC and Indiana DFI terminated a prior Consent Order in August 2025 after compliance improvements.
Financial highlights
Net interest income for Q3 2025 rose 20.3% year-over-year to $14.4 million; net interest margin (tax-equivalent) was 3.18%, up from 3.11% sequentially.
Non-interest income for Q3 2025 was $2.9 million, up 1.6% year-over-year; non-interest income/average assets was 0.57%.
Non-interest expense for Q3 2025 decreased 2.6% to $14.1 million, mainly due to lower occupancy, professional, and other costs; non-interest expense/average assets was 2.74%.
Efficiency ratio improved to 81.22% from 88.92% in the previous quarter.
For the nine months ended September 30, 2025, net interest income increased 16.4% to $41.7 million; net interest margin (tax-equivalent) was 3.08%.
Outlook and guidance
Management expects sufficient liquidity and capital to meet operational needs for the next twelve months and anticipates continued growth supported by the recent Federal Reserve rate cut.
The impact of the new OBBBA tax law is under evaluation; long-term effects are uncertain.
Forward-looking statements caution about risks from interest rates, credit quality, regulatory actions, and economic conditions.
No shares were repurchased under the stock repurchase program in 2025.
MOU status and dividend approval?
Q3 credit loss benefit vs. net charge-offs?
Sustainability of efficiency ratio improvement?
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Next Finward Bancorp earnings date
Q4 202526 Jan, 2026
Next Finward Bancorp earnings date
Q4 202526 Jan, 2026
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Frequently asked questions
Finward Bancorp is a financial holding company. It operates as the parent company of Peoples Bank, which provides a broad range of banking and financial services. These include personal and business banking products such as checking and savings accounts, loans, eBanking, and cash management services. Peoples Bank also offers wealth management services, retirement planning, estate administration, and various insurance products. The bank serves its customers primarily through its network of 26 locations in Northwest Indiana and the greater Chicagoland area. The company is headquartered in Munster, Indiana, and its shares are listed on the NASDAQ.
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