Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $9.14M | $8.96M | $9.34M | $12.1M | $15.9M | $15.0M | $15.1M | $8.38M | $12.1M | $8.09M |
| EPS (diluted) | $3.20 | $3.13 | $3.17 | $3.53 | $4.60 | $4.30 | $3.60 | $1.96 | $2.84 | $1.88 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $10.4M | $12.3M | $10.5M | $11.0M | $19.7M | $17.0M | $17.7M | $24.2M | $9.80M | $9.90M |
| Capital expenditures | $1.71M | $1.66M | $1.01M | $3.04M | $3.73M | $3.13M | $3.03M | $1.15M | $3.07M | $853K |
| Free cash flow | $8.68M | $10.6M | $9.53M | $7.92M | $16.0M | $13.9M | $14.7M | $23.1M | $6.73M | $9.05M |
| Dividends paid | $3.14M | $3.26M | $3.43M | $4.08M | $4.29M | $4.31M | $5.08M | $5.33M | $2.07M | $1.56M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $44.2M | $11.0M | $17.1M | $47.3M | — | — | — | — | — | — |
| Total assets | $914M | $927M | $1.10B | $1.33B | $1.50B | $1.62B | $2.07B | $2.11B | $2.06B | $2.02B |
| Total liabilities | $830M | $835M | $995M | $1.19B | $1.34B | $1.46B | $1.93B | $1.96B | $1.91B | $1.85B |
| Shareholders' equity | $84.1M | $92.1M | $101M | $134M | $152M | $157M | $130M | $147M | $151M | $175M |
| Retained earnings | $81.0M | $86.5M | $92.3M | $100M | $111M | $122M | $132M | $129M | $139M | $146M |
| Shares (wtd avg diluted) | 2.86M | 2.86M | 2.95M | 3.43M | 3.46M | 3.48M | 4.19M | 4.28M | 4.27M | 4.29M |
Every figure is extracted from Finward Bancorp’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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