Finward Bancorp Q4 net income declines

Finward Bancorp

27/01/2026 21:15

Overview

Finward Bancorp 's Q4 net income fell compared to the previous quarter

Net interest margin improved due to increased loan yields and lower deposit costs

Company executed securities repositioning, impacting Q4 results

Outlook

Finward Bancorp expects current rate environment to support operational progress in 2026

Result Drivers

NET INTEREST MARGIN - Improvement driven by increased loan yields and reduced deposit costs due to Federal Reserve rate cuts

SECURITIES REPOSITIONING - Bank sold $26.6 mln in securities, impacting Q4 results with $1.6 mln pre-tax reduction

DEPOSIT AND BORROWING DECREASE - Decrease in deposits and borrowings due to cyclical flows, brokered deposit maturity, and pricing adjustments

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 EPS
$0.46
Q4 Net Income
$2 mln
Q4 Adjusted Net Interest Margin
3.32%
Q4 Net Interest Margin
3.18%


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 1 "strong buy" or "buy", 1 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy"

Wall Street's median 12-month price target for Finward Bancorp is $39.00, about 6.9% above its January 26 closing price of $36.48

The stock recently traded at 14 times the next 12-month earnings vs. a P/E of 16 three months ago

Press Release: ID:nBw2stYQ0a

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)