All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2020-09-23.
From the record
Finward Bancorp's filings since 2017 show 1 warning event: an auditor change (8-K item 4.01, the latest 2020-09-23) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+12.3% a year over 10 filed years; profitable in 10 of 10.
From the record
Finward Bancorp's 10 filed years say what it did: revenue went from $32 million in fiscal 2016 to $92 million in fiscal 2025, up 12.3% a year; it rose in 7 of 9 years; the deepest fall was 3% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 0.8% a year. 20% of cash flow returned. Insiders: 0 sales, 16 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Finward Bancorp's diluted share count grew about 0.8% a year, and dividends and buybacks returned about 20% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 16 purchases of their own stock on the open market in the year to 2026-09-30, buying about $15 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 5%: 5¢ of profit per shareholder dollar. Leverage 91%: owes 91¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Finward Bancorp earned about 5 cents of profit for every dollar of shareholders' money. Leverage: it owed about 91 cents per dollar of assets, and net share issuance: its share count grew 0.4% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 34% of 31 in its family; net margin 8.8%.
From the record
Finward Bancorp's standing among 31 graded names in its industry family: revenue of $92 million in fiscal 2025 ranks in the top 50% by size; a net margin of 8.8% ranks in the bottom 24%; revenue growth of 8.4% a year over the last 3 filed years ranks in the bottom 27% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 48% of 25 in its family for leadership; chief executive since 2016.
From the record
Finward Bancorp's leadership, from its insiders' filings and its current reports: the chief executive on the record is Bochnowski, Benjamin J (President, CEO, as filed), filing under that title since 2016-11-10, 10 years (top 34% of its family); the 12 officers and directors filing in the last fifteen months have been on the record a median of 11.9 years (top 23%); 11 officer or director changes were reported on Form 8-K since 2023-11-13, against the 12 people in charge now (bottom 2%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
SI estimate 1.8/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: Finward Bancorp's room to expand is put at 1.8 of 10 with a confidence of 35 of 100, because read from one part only, cash from operations less capital spending against revenue, which ranks in the bottom 18% of 33 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue. A filing that carries the missing parts replaces this estimate with the filed reading.
What could actually drive growth from here?
bottom 22% of 30 in its family for growth drivers.
From the record
Finward Bancorp's growth drivers, from the filed years to fiscal 2025: revenue grew 8.4% a year over the last three filed years against 12.3% over all 10, slowing (bottom 12% of its family); the newest year grew 2.9% (bottom 45%); capital spending grew -34.5% a year (bottom 9%) (its annual reports). Finward Bancorp tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 37% of 29 in its family for expectations against reality.
From the record
Finward Bancorp's newest year against its own record: revenue of $92 million in fiscal 2025 came in 7.5% below the $99 million its prior three years' pace pointed to (top 26% of its family); net income of $8 million against a prior three-year average of $12 million (bottom 19%); a net margin of 8.8% against 14.8% before (bottom 19%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made