Welcome to our dedicated page for Finward Bancorp SEC filings (Ticker: FNWD), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Finward Bancorp (NASDAQ: FNWD) SEC filings page provides access to the company’s official reports filed with the U.S. Securities and Exchange Commission. Finward Bancorp is a financial holding company based in Munster, Indiana, whose activities are primarily limited to holding the stock of Peoples Bank, an Indiana state-chartered commercial bank. Through these filings, investors can review how the company reports its financial condition, results of operations, capital position, and material events.
Recent Form 8-K filings show that Finward Bancorp uses current reports to disclose quarterly financial results, dividend declarations, investor presentations, and regulatory developments. For example, the company has filed 8-Ks to furnish press releases reporting unaudited quarterly results, to announce cash dividends on common stock, and to describe the termination of a Consent Order relating to Peoples Bank’s Bank Secrecy Act and anti-money laundering compliance program. Another 8-K notes that Finward presented financial and other information to investors at a banking forum.
In addition to current reports, investors can review Finward Bancorp’s periodic reports such as Forms 10-K and 10-Q, which provide more detailed discussions of earnings, funding, asset quality, allowance for credit losses, and regulatory capital. The company also explains in its disclosures how it uses non-GAAP measures, including net interest margin on a tax-equivalent basis, tangible common equity, tangible book value per share, and efficiency ratio, alongside GAAP results.
On Stock Titan, these filings are supplemented with AI-powered summaries that highlight key points from lengthy documents, helping users quickly identify important changes in performance, capital, liquidity, and regulatory matters. The platform also surfaces real-time updates from EDGAR, making it easier to track new 8-Ks, 10-Qs, 10-Ks, and other submissions for FNWD without manually searching the SEC’s database.
For users interested in topics such as dividend policy, non-GAAP metrics, regulatory actions involving Peoples Bank, or management’s discussion of asset quality and capital adequacy, this page offers a structured view of Finward Bancorp’s SEC reporting history with AI-generated context.
Finward Bancorp reported stronger quarterly results. For the three months ended September 30, 2025, net income was $3.5 million versus $0.6 million a year earlier, and diluted EPS rose to $0.81 from $0.14. Net interest income increased to $14.4 million from $12.0 million as interest expense declined, and the company recorded a $0.3 million benefit from credit losses. Non‑interest income was stable at $2.9 million.
Year‑to‑date, net income was $6.1 million compared with $10.0 million in 2024, when results included a large real estate gain. Total assets were $2.05 billion. Deposits totaled $1.75 billion and borrowed funds were $55.0 million as of September 30, 2025. Stockholders’ equity improved to $165.5 million, helped by an $8.8 million improvement in accumulated other comprehensive loss. Net loans were $1.46 billion, reflecting modest contraction. The company declared a quarterly dividend of $0.12 per share, and had 4,327,000 shares outstanding as of November 7, 2025.
Finward Bancorp filed a current report announcing it issued a press release with unaudited financial results for the quarter ended September 30, 2025. The company furnished the earnings release as Exhibit 99.1. This is an informational update of quarterly performance metrics disclosed by the bank holding company for its NASDAQ-listed common stock (ticker: FNWD).
Finward Bancorp (FNWD) disclosed forward-looking cautionary language and identified a previously announced memorandum of understanding with the FDIC and Indiana Department of Financial Institutions that affects the Bank. The company notes it has agreed under that memorandum to refrain from paying cash dividends without prior regulatory approval. The filing lists a broad set of risks that could cause actual results to differ materially from expectations, including trade policy shifts, AI risks, asset quality and credit risk changes, interest-rate and liquidity pressures that may reduce net interest margins, declines in investment securities values, customer adoption and behavior risks, challenges from mergers and integrations, regulatory actions, and economic and technological changes. The company also states it may not repurchase shares or pay dividends and that any such actions depend on capital, performance, regulatory and other factors.
Finward Bancorp reported that its Board of Directors declared a cash dividend of $0.12 per share on its common stock. The dividend is scheduled to be paid on September 12, 2025 to shareholders of record as of August 29, 2025, providing a defined payout and timeline for current holders.
The company also reminds investors that forward-looking statements involve risks and uncertainties, highlighting factors such as asset quality, earnings trends, interest rates, economic conditions, and technology changes. It notes that the Bank is operating under a memorandum of understanding with the FDIC and Indiana DFI that includes an agreement to refrain from paying cash dividends without prior regulatory approval. Finward further cautions that any future dividends or share repurchases will depend on its capital position, financial performance, market conditions, and regulatory and accounting considerations.
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