Finward EVP buys shares via dividend plan

Lowry Robert T reported open-market purchase transactions in this Form 4 filing.

Accepted by SEC EDGAR 07/01/2026 - 02:12 PM EDT Learn about SEC filing dates

Rhea-AI Filing Summary

Lowry Robert T reported open-market purchase transactions in this Form 4 filing.

Finward Bancorp executive Robert T. Lowry reported additional share ownership in company stock. On June 30, 2026, an indirect account labeled Profit Sharing acquired 50.6419 shares of Finward Bancorp common stock at $36.00 per share, described as shares acquired from the Dividend Reinvestment Plan.

Following this transaction, that Profit Sharing account held 15,244.1912 shares indirectly. Lowry also reported 11,215.7252 shares held directly, plus indirect holdings of 2,478.0000 shares in an IRA and 755.0000 shares held by a spouse. The filing reflects a small net increase in his overall position.

Insider Trade Summary

Net Buyer: 50.6419 shares

Net Buy 1 txn

Insider Lowry Robert T

Role Executive Vice President

Bought 50.6419 shs ($2K)

Increase in Position 0.33%

Type	Security	Shares	Price	Value
Purchase	Common Stock	50.6419	$36.00	$2K
Holding	Common	--	--	--
Holding	Common Stock	--	--	--
Holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 15,244.1912 shares (Indirect, Profit Sharing); Common — 11,215.7252 shares (Direct); Common Stock — 2,478 shares (Indirect, IRA); Common Stock — 755 shares (Indirect, Spouse)

Holdings Before and After: Common Stock, 15,193.5493 to 15,244.1912 shares (Indirect, Profit Sharing)

Other Insiders: 4 other insiders reported open-market purchases of this stock in the 30 days up to this filing.

Footnotes (1)

1. F1. Shares acquired from the Dividend Reinvestment Plan

Key Figures

Shares purchased: 50.6419 shares Purchase price: $36.00 per share Profit Sharing holdings: 15,244.1912 shares +3 more

6 metrics

Shares purchased 50.6419 shares Indirect open-market purchase on June 30, 2026

Purchase price $36.00 per share Price for 50.6419 common shares

Profit Sharing holdings 15,244.1912 shares Indirect holdings after transaction

Direct holdings 11,215.7252 shares Directly owned common shares after updates

IRA holdings 2,478.0000 shares Indirect IRA ownership

Spouse holdings 755.0000 shares Indirect ownership via spouse

Key Terms

Dividend Reinvestment Plan, open-market purchase, Common Stock, Profit Sharing

4 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.

open-market purchase financial

"transaction_action": "open-market purchase""

An open-market purchase is when an investor or a company buys shares on a public stock exchange at the going market price, rather than through a private deal. It matters to investors because these purchases change how many shares are available, can push the stock price up or signal confidence from large buyers, and often affect per-share metrics like earnings—think of it like someone buying lots of apples off a grocery shelf, reducing supply and potentially raising the price.

Common Stock financial

""security_title": "Common Stock""

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

Profit Sharing financial

""nature_of_ownership": "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.

FAQ

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

What insider transaction did Finward Bancorp (FNWD) report for Robert T. Lowry?

Finward Bancorp reported that Executive Vice President Robert T. Lowry indirectly acquired 50.6419 shares of common stock at $36.00 per share. The shares were credited to a Profit Sharing account through the company’s Dividend Reinvestment Plan.

How many Finward Bancorp (FNWD) shares did Lowry hold after the latest transaction?

After the transaction, Lowry reported 15,244.1912 shares indirectly in a Profit Sharing account, 11,215.7252 shares held directly, 2,478.0000 shares held indirectly in an IRA, and 755.0000 shares held indirectly through his spouse.

What was the price paid for the newly acquired Finward Bancorp (FNWD) shares?

The newly acquired Finward Bancorp common shares in the Profit Sharing account were recorded at $36.00 per share. The transaction covered 50.6419 shares, attributed to participation in the company’s Dividend Reinvestment Plan on June 30, 2026.

How were the new Finward Bancorp (FNWD) shares acquired by Lowry?

The filing notes that the 50.6419 new shares were acquired from the Dividend Reinvestment Plan. This indicates the shares were credited automatically through reinvested dividends into an indirect Profit Sharing account associated with Robert T. Lowry.

Does the Form 4 show any Finward Bancorp (FNWD) share sales by Lowry?

The Form 4 data show no reported sales by Robert T. Lowry. It records one indirect purchase of 50.6419 Finward Bancorp common shares at $36.00 and several updated holding entries reflecting his direct and indirect ownership positions.

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

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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)
06/30/2026

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	06/30/2026		P		50.6419(1)	A	$36	15,244.1912	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	07/01/2026
	** 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)