Finward Bancorp (FNWD)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$43.45-2.72%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · FNWD
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
We continue to make progress toward closing our merger with First Financial, and we believe the combination of our companies will have benefits for our shareholders, customers, communities, and emplo…
Stated in 2 of 3 supplied quarters. Management reported: “We continue to make progress toward closing our merger with First Financial, and we believe the combination of our companies will have benefits for our shareholders, customers, communities, and employees.” “While we are excited about the opportunities this partnership creates, our near-term priorities are clear: serving customers, maintaining strong credit quality, and preparing for a successful combination with First Financial."”
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 61% for the rest of the cohort, n=10284).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“We continue to make progress toward closing our merger with First Financial, and we believe the combination of our companies will have benefits for our shareholders, customers, communities, and emplo…”
“While we are excited about the opportunities this partnership creates, our near-term priorities are clear: serving customers, maintaining strong credit quality, and preparing for a successful combina…”
Our focus on loan originations has built a solid loan pipeline, and along with the repricing of existing loans, is expected to drive net interest margin expansion and further earnings improvement in…
Stated in 1 of 3 supplied quarters. Management reported: “Our focus on loan originations has built a solid loan pipeline, and along with the repricing of existing loans, is expected to drive net interest margin expansion and further earnings improvement in the coming quarters.”” “As of March 31, 2026 , balances for certificates of deposit totaled $488.8 million, compared to $499.6 million on December 31, 2025 , a decrease of $10.8 million or 2.2% .”
“Our focus on loan originations has built a solid loan pipeline, and along with the repricing of existing loans, is expected to drive net interest margin expansion and further earnings improvement in…”
Core deposits include checking, savings, and money market accounts and represented 71.6% of the Bancorp’s total deposits at March 31, 2026 .
Stated in 1 of 3 supplied quarters. Management reported: “Core deposits include checking, savings, and money market accounts and represented 71.6% of the Bancorp’s total deposits at March 31, 2026 .” “As of March 31, 2026 , balances for certificates of deposit totaled $488.8 million, compared to $499.6 million on December 31, 2025 , a decrease of $10.8 million or 2.2% .”
“Core deposits include checking, savings, and money market accounts and represented 71.6% of the Bancorp’s total deposits at March 31, 2026 .”
Maintain oversight of credit risk and non-performing loans while preserving strong credit quality during the merger process.
Continue building a solid loan pipeline and repricing existing loans to drive net interest margin expansion and earnings improvement.
Over the trailing year it converted 0.26x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 52% of the time over the next year (vs 60% for the rest of the cohort, n=6873).
Not enough signal yet.
Not enough signal to read sensitivity to the US dollar, the broad stock market, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates (low R² over the window).
17 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 58% for the rest of the cohort, n=10134).
Not investment advice. As of 2026-11-05.