Finward Bancorp

The grade, in three tenses

Headline 3.9 out of ten, 8 of 9 metrics filed and 1 estimated: past 5.2 out of ten, present 3.3 out of ten, future 2.6 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.

The nine metrics

• Surviving crises (past): 6.8 out of ten. 1 warning event since 2017; the latest 2020-09-23. 68th percentile among 34 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Track record (past): 6.0 out of ten. +12.3% a year over 10 filed years; profitable in 10 of 10. 60th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Shareholder treatment (past): 2.6 out of ten. Share count grew 0.8% a year. 20% of cash flow returned. Insiders: 0 sales, 16 purchases. 26th percentile among 31 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Financial health (present): 2.6 out of ten. ROE 5%: 5¢ of profit per shareholder dollar. Leverage 91%: owes 91¢ per asset dollar. 26th percentile among 33 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Industry position (present): 3.4 out of ten. bottom 34% of 31 in its family; net margin 8.8%. 34th percentile among 31 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Leadership (present): 4.7 out of ten. bottom 46% of 25 in its family for leadership; chief executive since 2016. 46th percentile among 25 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
• Room to expand (future): 1.8 out of ten. CrossAssetData estimate 1.8/10, confidence 35 of 100 (one part). 18th percentile among 33 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
• Growth drivers (future): 2.2 out of ten. bottom 22% of 30 in its family for growth drivers. 22nd percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Expectations vs reality (future): 3.7 out of ten. bottom 37% of 29 in its family for expectations against reality. 37th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).

The filing record

Newest annual report: Form 10-K filed 2026-03-25 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-13 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-28 (on EDGAR). Newest filing: Form 4, 2026-09-28. Filings on record since 1996. Read from EDGAR 2026-10-12.

Who runs it

Bochnowski, Benjamin J (President, CEO); Lowry, Robert T (Executive Vice President); Scheub, Todd M. (Executive Vice President); Gorelick, Joel (President); Schmitt, Benjamin Louis (Chief Financial Officer); Puntillo, Anthony (director); Johnson, Robert E. III (director); Han, Amy Wong (director); Evans, Jennifer (director); Alwin, Martin P (director); and 3 more. 13 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.

This file: Overview · Past · Present · Future · Filings · every company on file

Every stock is a company. We grade the company behind the stock. CrossAssetData is a company research product: no investment advice, no price targets, no price predictions; every claim carries its source, and unseen means unseen. The full file draws when the page's script runs: the essentials, the balance sheet, the estimators, the trend, and every filing of the last ten years.