Finward Bancorp executive buys 42 shares at $43.48

The shares were acquired through the Dividend Reinvestment Plan and held indirectly through Profit Sharing.

Rhea-AI Filing Summary

Finward Bancorp (FNWD) Executive Vice President Robert T. Lowry reported an indirect purchase of 42.0722 common shares on September 25, 2026, at $43.4800 per share. The shares were acquired through the Dividend Reinvestment Plan and held through Profit Sharing; the reported post-transaction Profit Sharing position was 15,286.2634 shares. No Rule 10b5-1 plan is reported.

Insider Trade Summary

Net Buyer: 42.0722 shares

Net Buy 4 txns

Insider Lowry Robert T

Role Executive Vice President

Bought 42.0722 shs ($2K)

Type	Security	Shares	Price	Value
Purchase	Common Stock F1	42.0722	$43.48	$2K
holding	Common	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 15,286.2634 shares (Indirect, Profit Sharing); Common — 11,215.7252 shares (Direct); Common Stock — 2,478 shares (Indirect, IRA); Common Stock — 755 shares (Indirect, Spouse)

Footnotes (1)

1. F1. Shares acquired from the Dividend Reinvestment Plan

Key Figures

Purchase: 42.0722 shares Purchase price per share: $43.4800 Profit Sharing holdings after purchase: 15,286.2634 shares +3 more

6 metrics

Purchase 42.0722 shares Common Stock; September 25, 2026

Purchase price per share $43.4800 September 25, 2026

Profit Sharing holdings after purchase 15,286.2634 shares September 25, 2026

Direct holdings 11,215.7252 shares September 25, 2026

IRA holdings 2,478 shares Held indirectly; September 25, 2026

Spouse holdings 755 shares Held indirectly; September 25, 2026

Key Terms

Dividend Reinvestment Plan, Profit Sharing, Rule 10b5-1 plan

3 terms

Dividend Reinvestment Plan financial

"Shares acquired from the Dividend Reinvestment Plan"

A dividend reinvestment plan lets shareholders automatically use cash dividends to buy more shares of the same company instead of receiving the money. It matters to investors because it turns regular payouts into a steady way to grow ownership and take advantage of compound returns—like having your savings automatically buy additional slices of a pie over time—while often reducing transaction costs and smoothing purchase timing.

Profit Sharing financial

"held through Profit Sharing"

A profit sharing arrangement is a plan where a company sets aside a portion of its profits to distribute to stakeholders—commonly employees, partners, or sometimes investors—as cash, stock, or bonuses. For investors, it matters because profit sharing changes how much profit the company retains for reinvestment versus what is paid out, affecting future growth, employee motivation, and the company’s reported earnings much like how slicing a pie differently changes how much each person and the kitchen keep.

Rule 10b5-1 plan regulatory

"No Rule 10b5-1 plan is reported"

A Rule 10b5-1 plan is a prearranged, written schedule that lets corporate insiders buy or sell company stock at set times or amounts, even if they later learn material nonpublic information. Think of it like setting an automatic thermostat for trades: it creates a clear record that trades were planned in advance, reducing the risk of insider-trading accusations and helping investors trust that insider transactions are routine rather than based on secret information.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How many FNWD shares did Robert T. Lowry purchase?

Executive Vice President Robert T. Lowry reported an indirect purchase of 42.0722 FNWD common shares on September 25, 2026, at $43.4800 per share. The shares were acquired through the Dividend Reinvestment Plan and held through Profit Sharing, which was reported at 15,286.2634 shares afterward. No Rule 10b5-1 plan is reported.

What other FNWD share holdings did Robert T. Lowry report?

As of September 25, 2026, Robert T. Lowry reported 11,215.7252 shares held directly, 2,478 shares held indirectly through an IRA, and 755 shares held indirectly through his spouse.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 09/28/2026 - 05:09 PM Accepted by SEC EDGAR 09/28/2026 - 05:08 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Lowry Robert T

(Last) (First) (Middle)

9204 COLUMBIA AVENUE

(Street)

MUNSTER INDIANA 46321

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
Finward Bancorp [ FNWD ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Executive Vice President

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
09/25/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common								11,215.7252	D
Common Stock								2,478	I	IRA
Common Stock	09/25/2026		P		42.0722(1)	A	$43.48	15,286.2634	I	Profit Sharing
Common Stock								755	I	Spouse

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Shares acquired from the Dividend Reinvestment Plan

Remarks:

	/s/ Shannon W Pryor, POA	09/28/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)