Finward Bancorp Q1 net income drops to $456K ($0.11 EPS) from $9.3M a year ago

Finward Bancorp

2025-Q1 EPS reported $0.11

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%.

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