Finward Bancorp reports Q4 2025 net income of $2.0 million, down from $3.5 million in prior quarter

Finward Bancorp

2025-FY EPS reported $1.88

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.

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