{"filings":[{"id":833556,"accession_number":"0001628280-26-040209","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2026-06-03T20:04:36+00:00","items":["8.01","9.01"],"status":"ready","headline":"Finward declares $0.12/sh dividend despite FDIC/DFI MOU restricting payouts","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.12 per common share, payable June 29, 2026 to holders of record June 17, 2026.","Bancorp's bank subsidiary is under a FDIC/DFI memorandum of understanding prohibiting dividends without prior regulatory approval.","Declaration implies regulatory concurrence; marks potential easing of capital restrictions.","Prior MOU disclosed in SEC filings required Bank to refrain from cash dividends absent approval."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":722759,"accession_number":"0001628280-26-038851","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K/A","filed_at":"2026-05-28T20:30:09+00:00","items":["5.07"],"status":"ready","headline":"Finward Bancorp holds 2026 annual meeting; elects three directors, ratifies auditors, passes say-on-pay","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Elected directors Benjamin J. Bochnowski, Robert E. Johnson III, and Martin P. Alwin to three-year terms.","Ratified Forvis Mazars, LLP as independent auditor for 2026 with 3,218,420 votes for, 57,910 against.","Advisory vote on executive compensation passed with 2,720,043 votes for, 169,928 against.","Meeting held virtually on May 21, 2026; quorum of 3,284,619 shares (75.8%) of 4,330,486 outstanding.","This 8-K/A corrects the original filing's report date and meeting date; no other changes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":667559,"accession_number":"0001628280-26-038070","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2026-05-26T20:06:15+00:00","items":["5.07"],"status":"ready","headline":"Finward Bancorp annual meeting results: all three director nominees elected, auditor and say-on-pay approved","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Benjamin Bochnowski, Robert Johnson III, and Martin Alwin elected to three-year terms with 2.49M, 2.57M, and 2.66M votes for, respectively.","Ratification of Forvis Mazars as auditor approved: 3.22M for, 57.9K against, 8.3K abstain.","Advisory say-on-pay proposal approved: 2.72M for, 169.9K against, 14.7K abstain.","Quorum of 3.28M shares present out of 4.33M outstanding."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":99765,"accession_number":"0001628280-26-027909","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2026-04-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Finward Bancorp reports Q1 net income $2.2M, EPS $0.52; NIM expands to 3.23%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common stockholders $2.2M, diluted EPS $0.52 vs. $2.0M ($0.46) in Q4 2025.","Net interest margin (tax-equivalent) 3.35%, up from 3.32% Q4, driven by lower funding costs.","Deposits $1.72B, down $7.9M; core deposits stable at $1.2B. Non-performing loans $12.4M, up $1.2M.","Commercial loan originations $37.4M in Q1, down from $45.8M Q4 due to seasonality.","Planned closure of two branch locations early Q2 as part of efficiency efforts."],"consensus_eps_estimate":null,"consensus_eps_actual":0.52,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":115957,"accession_number":"0001628280-26-013181","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2026-03-02T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Finward Bancorp declares $0.12 dividend payable Mar 31; pays despite FDIC/DFI MOU restriction","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.12 per share declared on March 2, 2026.","Payable March 31, 2026 to shareholders of record March 16, 2026.","Bank subsidiary is under an FDIC/DFI MOU that restricts dividends without prior regulatory approval.","Dividend declaration implies regulatory approval or compliance with MOU terms."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":115956,"accession_number":"0000908834-26-000110","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2026-02-24T23:59:59+00:00","items":["5.02","8.01"],"status":"ready","headline":"Director Danette Garza to retire at 2026 annual meeting; Martin Alwin nominated as Class II director","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Danette Garza will not stand for re-election and will retire from the board at the 2026 Annual Meeting.","Martin P. Alwin nominated to fill the Class II seat; he will resign his current Class I directorship contingent on election.","Board size reduced from 10 to 9 members effective upon Garza's retirement; vacant Class I directorship eliminated.","Garza's departure is not related to any disagreement with the company."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":115955,"accession_number":"0001628280-26-003599","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2026-01-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Finward Bancorp reports Q4 2025 net income of $2.0 million, down from $3.5 million in prior quarter","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common stockholders was $2.0 million, or $0.46 per diluted share for Q4 2025, compared to $3.5 million, or $0.81 per diluted share in Q3 2025.","The securities repositioning involved selling $26.6 million in municipal securities, resulting in a $1.6 million pre-tax loss.","Net interest margin (tax-equivalent) increased to 3.32% from 3.18% in the prior quarter due to higher loan yields and lower deposit costs.","Non-performing loans decreased to $11.9 million (0.82% of total loans) from $13.9 million (0.94%) at September 30, 2025.","Tangible book value per share rose to $34.92 from $32.77 in the prior quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":1.88,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":132367,"accession_number":"0001628280-25-055027","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2025-12-03T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Finward Bancorp declares $0.12 per share dividend payable Dec 30, 2025","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.12 per common share declared on December 3, 2025.","Payable on December 30, 2025 to shareholders of record on December 17, 2025.","Board of Directors action taken at meeting on December 3, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":132366,"accession_number":"0001628280-25-046848","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2025-10-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Finward Bancorp Q3 2025 EPS $0.81, net interest margin expands to 3.04%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common stockholders $3.5M ($0.81 diluted EPS) vs $2.2M ($0.50) in Q2 2025.","Net interest margin (tax-equivalent) 3.18% vs 3.11% Q2; net interest margin 3.04% vs 2.97%.","Non-interest expense/average assets 2.74% vs 2.90% Q2; efficiency ratio improved to 81.22% from 88.92%.","Tangible book value per share $32.77 vs $30.16 Q2; Tier 1 leverage ratio 8.77%.","Net benefit from credit loss $301k; non-performing loans $13.9M (0.94% of total loans)."],"consensus_eps_estimate":null,"consensus_eps_actual":1.42,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148945,"accession_number":"0000919864-25-000007","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2025-09-17T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Finward Bancorp presents at Stephens Banking Forum; slide content limited in filing excerpt","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Filed 8-K on Sept 17, 2025 announcing investor presentation at the 2025 Stephens Banking Forum in Little Rock.","Exhibit 99.1 slides were attached but only a title slide and disclaimer are visible in the provided excerpt.","No specific financial results, guidance changes, or strategic updates were discernible from the limited exhibit text.","Filing also restates that cash dividends remain restricted under a prior MOU with the FDIC and DFI."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148944,"accession_number":"0001628280-25-040512","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2025-08-15T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Finward Bancorp declares $0.12 dividend payable Sept 12, 2025","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.12 per share declared on August 15, 2025.","Payable on September 12, 2025 to shareholders of record on August 29, 2025.","Dividend declared despite MOU with FDIC/DFI requiring prior regulatory approval to pay cash dividends."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148943,"accession_number":"0001193125-25-175549","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2025-08-07T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Finward Bancorp announces termination of BSA/AML Consent Order by FDIC and Indiana DFI","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["FDIC and Indiana DFI terminated Consent Order effective August 6, 2025.","Consent Order originally issued Nov 7, 2023 for BSA/AML compliance deficiencies.","Termination follows successful resolution of BSA/AML compliance program deficiencies by Peoples Bank.","CEO Benjamin Bochnowski thanked board, management, and staff for strengthening compliance."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148942,"accession_number":"0001628280-25-036462","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2025-07-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Finward Bancorp Q2 net income $2.2M ($0.50 EPS), up from $0.5M; NIM expands to 2.97%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common stockholders $2.2M ($0.50 diluted EPS) vs $455K ($0.11) in Q1.","Net interest margin (tax-equivalent) rose to 3.11% from 2.95% QoQ; loan yields improved.","Non-performing loans $13.5M (0.91% of loans); net loan recoveries of $414K in Q2.","Tier 1 leverage ratio improved to 8.69% from 8.48%; tangible book value $30.16 per share.","Deposits stable at $1.8B; commercial loan originations increased to $46.1M from $36.7M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.61,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":167877,"accession_number":"0001193125-25-130618","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2025-05-29T23:59:59+00:00","items":["5.02","5.07","9.01"],"status":"ready","headline":"Finward Bancorp shareholders approve 2025 Omnibus Equity Plan and elect four directors","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Shareholders approved 2025 Omnibus Equity Incentive Plan, authorizing up to 265,174 shares for future awards.","Four directors elected to three-year terms: Joel Gorelick, Amy W. Han, Robert W. Youman, Martin P. Alwin.","Ratification of Forvis Mazars as independent auditor for FY2025 passed with 3,209,033 votes for.","Advisory say-on-pay resolution passed with 2,520,818 votes for (362,600 broker non-votes).","No awards granted under new plan yet; future grants not determined."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":167876,"accession_number":"0001628280-25-027147","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2025-05-22T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Finward Bancorp annual meeting presentation filed; no new material financial details disclosed","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Filing contains only title slide of annual shareholder meeting presentation; full content not provided.","Presentation references standard forward-looking risk factors and regulatory matters (FDIC consent order, MOU).","No financial results, guidance changes, or strategic announcements are included in the filed exhibit excerpt.","Regulation FD furnished, not filed; no binding disclosure of material events."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":167875,"accession_number":"0001437749-25-013920","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2025-05-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Finward Bancorp Q1 net income drops to $456K ($0.11 EPS) from $9.3M a year ago","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common stockholders $456K ($0.11 diluted EPS) vs $2.1M ($0.49) in Q4 2024 and $9.3M ($2.17) in Q1 2024.","Tax-adjusted net interest margin expanded to 2.95% from 2.79% in Q4 2024, driven by lower deposit and borrowing costs.","Non-performing loans improved to $12.5M (0.84% of total loans) from $13.7M (0.91%) at December 31, 2024.","Provision for credit loss expense totaled $454K; net charge-offs $32.7K, down sharply from $2.2M in Q4 2024.","Tangible book value per share rose to $29.55 from $29.48; Tier 1 capital ratio of 8.48%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.11,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":167874,"accession_number":"0001437749-25-011692","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2025-04-10T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Finward Bancorp declares $0.12/share dividend despite regulatory restrictions","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared $0.12 per share dividend, payable May 12, 2025 to shareholders of record April 28, 2025.","Dividend declared despite ongoing FDIC and Indiana DFI consent order restricting dividends without prior approval.","May signal progress in regulatory compliance or improved capital position for Finward Bancorp (FNWD)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":185115,"accession_number":"0001193125-25-065500","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2025-03-27T23:59:59+00:00","items":["5.02","8.01"],"status":"ready","headline":"Director James L. Wieser to retire from Finward Bancorp board; board rebalanced","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["James L. Wieser, board member since 1999, to retire effective at 2025 annual meeting; not due to disagreement.","Jennifer R. Evans reclassified from Class II to Class III director to rebalance board classes.","Board size reduced from 11 to 10 members upon Wieser's retirement, effective after 2025 annual meeting.","Post-changes, board will consist of four Class I, three Class II, and three Class III directors."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":185114,"accession_number":"0001628280-25-002844","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2025-01-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Finward Bancorp FY2024 net income $12.1M ($2.84/share); Q4 net income $2.1M, NIM improves to 2.65%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["FY2024 net income $12.1M ($2.84 diluted EPS) vs $8.4M ($1.96) in 2023; Q4 net income $2.1M ($0.49) vs $1.5M ($0.35) a year ago.","Net interest margin improved to 2.65% in Q4 2024 from 2.51% in Q3 2024; tax-adjusted NIM was 2.79% vs 2.66%.","Recorded $1.2M one-time gain on termination of a tax credit investment; net charge-offs of $2.2M on a small number of commercial loans.","Loans flat at $1.5B; deposits up $11.8M to $1.8B; non-interest-bearing deposits decreased $21.8M to $263.3M.","Tangible book value per share $29.48 (down from $31.28); adjusted for AOCL increased to $42.94; tier 1 capital ratio improved to 8.46%."],"consensus_eps_estimate":null,"consensus_eps_actual":2.84,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":201728,"accession_number":"0001437749-24-038180","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2024-12-23T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Finward Bancorp declares $0.12 quarterly dividend, payable Feb 3, 2025","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.12 per share declared on Dec 20, 2024; payable Feb 3, 2025 to holders of record Jan 21, 2025.","Peoples Bank operates under a consent order and MOU with FDIC/DFI that restricts cash dividends without prior regulatory approval.","Quarterly dividend rate unchanged from prior periods; no mention of increase or decrease."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":201727,"accession_number":"0000908834-24-000349","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2024-11-27T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Finward Bancorp promotes CFO Benjamin L. Schmitt to Executive Vice President; one-time bonus awarded","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Benjamin L. Schmitt promoted from SVP to EVP, CFO and Treasurer of Finward Bancorp and Peoples Bank, effective Nov 22, 2024.","Board awarded Schmitt a one-time cash bonus of $23,900 in connection with the promotion.","No changes to base salary or other compensation arrangements as a result of the promotion.","Schmitt joined Finward Bancorp in February 2024; prior roles include investment banking at Piper Sandler and Sandler O'Neill."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":201726,"accession_number":"0001437749-24-033741","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2024-11-07T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Finward Bancorp to present at Hovde conference; regulatory constraints on dividends noted","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Presentation at 2024 Hovde Financial Services Conference in Miami on Nov 7-8.","Slides attached but specific financial figures not available in filing text.","Bank remains under consent order and MOU with FDIC/DFI; no cash dividends without regulatory approval.","Forward-looking statements caution about interest rate risk, credit risk, and compliance uncertainties."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":201725,"accession_number":"0001437749-24-032501","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2024-10-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Finward Bancorp Q3 net income $0.14/diluted share; nine-month EPS $2.35 vs $1.60 prior year","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income Q3 2024 $606K ($0.14/diluted) vs Q3 2023 $2.2M ($0.51); up from Q2 2024 $143K ($0.03).","Nine-month net income $10.0M ($2.35/diluted) vs $6.9M ($1.60) in prior year.","Net interest margin (GAAP) stable at 2.53% for Q3; tax-adjusted 2.67% same as prior quarter.","Non-performing loans rose to $13.8M (0.92% of loans) from $11.4M (0.75%) at June 30, 2024.","Fully exited Bank Term Funding Program by repaying $60M; tangible book value per share $31.28, up from $28.67."],"consensus_eps_estimate":null,"consensus_eps_actual":2.35,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":201724,"accession_number":"0001437749-24-031128","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2024-10-11T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Finward Bancorp declares $0.12 quarterly dividend, payable Oct 31","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.12 per share declared; record date Oct 18, payable Oct 31.","Declaration made despite prior regulatory agreement restricting dividends without approval.","Finward remains subject to FDIC and DFI consent order and memorandum of understanding."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":217713,"accession_number":"0001437749-24-029416","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2024-09-18T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Finward Bancorp furnishes slides for Stephens Banking Forum; no specific financial data disclosed","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Filing under Item 7.01 for Regulation FD disclosure of investor presentation at Stephens Banking Forum.","Slides attached as Exhibit 99.1 but full content not available in provided text.","No earnings, guidance, or material operational updates in the filing body.","Forward-looking statements and risk factors reiterated without new specifics."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":217712,"accession_number":"0001437749-24-028489","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2024-09-05T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Finward Bancorp presents at Raymond James Bank Conference; slides furnished","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Finward Bancorp (FNWD) presented at the 2024 Raymond James U.S. Bank Conference in Chicago on September 5, 2024.","Slide deck attached as Exhibit 99.1; no specific financial updates or guidance changes in the filing.","Presentation includes forward-looking statements subject to risks such as regulatory compliance and interest rate environment.","No new material business developments were disclosed in the 8-K filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":217711,"accession_number":"0000908834-24-000216","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2024-09-05T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Finward Bancorp appoints three new independent directors effective September 9, 2024","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Martin P. Alwin (Class I), Jennifer R. Evans (Class II), Carolyn M. Burke (Class III) appointed to boards of Finward Bancorp and Peoples Bank.","Board size increased from 10 to 11 for Alwin; Evans and Burke fill existing vacancies from prior departures.","Alwin and Burke join Audit Committee; Evans joins Risk Management and Compliance Committee.","All three determined independent; Alwin and Burke designated audit committee financial experts."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":217710,"accession_number":"0000908834-24-000192","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2024-08-13T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Finward Bancorp adds CFO Benjamin Schmitt to change-in-control severance plan, waives 3-year service requirement","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CFO Benjamin Schmitt approved as eligible participant in Executive Change in Control Severance Plan by Compensation Committee.","Three-year employment eligibility requirement waived for Schmitt per CEO recommendation.","Benefits include cash severance of 1x base salary plus target bonus, plus COBRA and life insurance premiums.","Payments triggered by termination without cause or for good reason within 18 months of a change-in-control."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":217708,"accession_number":"0001437749-24-023837","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K/A","filed_at":"2024-07-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Finward Bancorp corrects earnings release; six-month diluted EPS revised to $2.21 from $0.03","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $9.4M ($2.21 diluted EPS) for H1 2024, up from $4.7M ($1.10) in H1 2023.","Q2 2024 net income $143K ($0.03 EPS) vs $2.4M ($0.57) in Q2 2023.","Corrections include performance ratios; CET1 ratio revised to 10.94% from 11.23%.","Net interest margin improved to 2.54% in Q2 2024 from 2.42% in Q1 2024.","Non-performing loans slightly declined to $11.4M; credit quality remains strong."],"consensus_eps_estimate":null,"consensus_eps_actual":2.21,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":217709,"accession_number":"0001437749-24-023345","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2024-07-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Finward Bancorp Q2 net income plunges to $0.03 EPS from $0.57 YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $143k ($0.03 diluted EPS) vs $2.4M ($0.57) in Q2 2023; six-month net income $9.4M ($2.21).","Tax-adjusted NIM improved to 2.67% from 2.57% QoQ; asset yields increasing as loans reprice higher.","Deposits grew to $1.8B (+$9.2M QoQ); BTFP balance reduced to $60M from $65M.","Non-performing loans fell to $11.4M (0.75% of loans); ACL coverage ratio 161.2%.","Tangible book value per share $28.67 (down from $29.30); Bank remains well capitalized."],"consensus_eps_estimate":null,"consensus_eps_actual":2.21,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":237617,"accession_number":"0001437749-24-021270","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2024-06-26T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Finward Bancorp declares Q2 dividend of $0.12 per share","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.12 per share payable August 1, 2024 to holders of record July 19, 2024.","President Bochnowski notes Peoples Bank remains well-capitalized with significant capital growth over past 12 months.","Board will continue to review dividend on a quarterly basis.","Dividend declared despite prior MOU with FDIC/DFI restricting cash dividends without regulatory approval."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":237616,"accession_number":"0001437749-24-018592","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2024-05-29T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Finward Bancorp shareholders elect two directors, ratify FORVIS as auditor","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Anthony M. Puntillo and James L. Wieser elected to three-year terms expiring 2027; Puntillo: 2,641,824 for, Wieser: 2,453,380 for.","Ratification of FORVIS, LLP as independent auditor approved: 3,130,854 for, 26,533 against, 49,310 abstain.","Non-binding advisory vote on executive compensation approved: 2,532,835 for, 225,114 against, 49,873 abstain.","Shareholders favored annual frequency for say-on-pay (2,675,589 votes); board adopts annual frequency until next vote by 2030."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":237615,"accession_number":"0001437749-24-018254","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2024-05-24T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Finward Bancorp holds annual meeting; no material new info in 8-K","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Presentation slides furnished as Exhibit 99.1 but not text-accessible; no specific data extracted.","Annual meeting held virtually on May 24, 2024 at 9:00 a.m. CDT.","No changes to guidance, dividends, or operations disclosed in filing.","Filing is routine Regulation FD disclosure without material financial updates."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.05,"calibrated_materiality_score":0.05,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":237614,"accession_number":"0001437749-24-013013","cik":919864,"company_name":"Finward Bancorp","ticker":"FNWD","form_type":"8-K","filed_at":"2024-04-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Finward Bancorp Q1 net income $9.3M ($2.17 EPS); $11.8M pre-tax gain from sale-leaseback","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common $9.3M, $2.17 diluted EPS vs $2.2M, $0.51 prior year.","Pre-tax non-interest income gain of ~$11.8M from sale-leaseback of five branches for $17.2M.","Net interest margin 2.42% (quarter) vs 3.07% a year ago; deposits down 3.6% to $1.7B.","Tangible book value $29.30/share, up from $28.31; Tier 1 capital ratio improved to 8.24%.","Non-performing loans $11.8M, 0.78% of loans; allowance coverage ratio 159.1%."],"consensus_eps_estimate":null,"consensus_eps_actual":2.17,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":141719961.4043077,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}