Finward Bancorp (Finward Bancorp) Net Margin %

: 9.78% (As of Dec. 2023)

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Net margin is calculated as Net Income divided by its Revenue. Finward Bancorp's Net Income for the three months ended in Dec. 2023 was $1.51 Mil. Finward Bancorp's Revenue for the three months ended in Dec. 2023 was $15.45 Mil. Therefore, Finward Bancorp's net margin for the quarter that ended in Dec. 2023 was 9.78%.

The historical rank and industry rank for Finward Bancorp's Net Margin % or its related term are showing as below:

FNWD' s Net Margin % Range Over the Past 10 Years
Min: 12.83 Med: 23.07 Max: 24.88
Current: 12.83

FNWD's Net Margin % is ranked worse than
81.53% of 1462 companies
in the Banks industry
Industry Median: 25.505 vs FNWD: 12.83

Finward Bancorp Net Margin % Historical Data

The historical data trend for Finward Bancorp's Net Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Finward Bancorp Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Net Margin %

22.47

24.88

23.19

19.17

12.83

Finward Bancorp Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Net Margin %																20.14	12.97	14.30	14.11	9.78

Competitive Comparison

For the Banks - Regional subindustry, Finward Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Finward Bancorp Net Margin % Distribution

For the Banks industry and Financial Services sector, Finward Bancorp's Net Margin % distribution charts can be found below:

* The bar in red indicates where Finward Bancorp's Net Margin % falls into.

Finward Bancorp Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Finward Bancorp's Net Margin for the fiscal year that ended in Dec. 2023 is calculated as

Net Margin	=	Net Income (A: Dec. 2023 )	/	Revenue (A: Dec. 2023 )
	=	8.38	/	65.301
	=	12.83 %

Finward Bancorp's Net Margin for the quarter that ended in Dec. 2023 is calculated as

Net Margin	=	Net Income (Q: Dec. 2023 )	/	Revenue (Q: Dec. 2023 )
	=	1.511	/	15.45
	=	9.78 %

Finward Bancorp (NAS:FNWD) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.

Finward Bancorp Net Margin % Related Terms

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Finward Bancorp (Finward Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Finward Bancorp (NAS:FNWD) » Definitions » Net Margin %

Comparable Companies

Traded in Other Exchanges

N/A

Address

9204 Columbia Avenue, Munster, IN, USA, 46321

Website

https://www.ibankpeoples.com

Finward Bancorp is a bank holding company, which engages in the provision of financial services. It offers products and services related to Personal Banking, Cash Management, Saving Account, ebanking, Wealth Management, and Insurance Services. It is primarily engaged in the business of attracting deposits from the general public and the origination of loans, mostly upon the security of single-family residences and commercial real estate, construction loans, commercial business loans, and municipal loans. Geographically, the activities are carried out through the United States.

Executives

David A Bochnowski	director, 10 percent owner, officer: Chief Executive Officer	9204 COLUMBIA AVENUE, MUNSTER IN 46321
Peymon Torabi	officer: Senior Vice President	9204 COLUMBIA AVENUE, MUNSTER IN 46321
Robert T Lowry	officer: Executive Vice President	9204 COLUMBIA AVENUE, MUNSTER IN 46321
Amy Wong Han	director	1008 KILLARNEY DRIVE, DYER IN 46321
Benjamin J Bochnowski	officer: EVP	9204 COLUMBIA AVENUE, MUNSTER IN 46321
Robert W. Youman	director	129 THATCHER AVE., RIVER FOREST IL 60305
James L Wieser	director	13304 LAKESHORE DRIVE, UNIT 202, CEDAR LAKE IN 46303
Johnson Robert E. Iii	director	9204 COLUMBIA AVENUE, MUNSTER IN 46321
Todd M. Scheub	officer: Executive Vice President	9204 COLUMBIA AVENUE, MUNSTER IN 46321
Leane English Cerven	officer: Vice President	9204 COLUMBIA AVENUE, MUNSTER IN 46321
Danette Garza	director	9204 COLUMBIA AVENUE, MUNSTER IN 46321
Jillonda Washington	officer: Senior Vice President	9204 COLUMBIA AVENUE, MUNSTER IN 46321
Kleek Joshua Van	officer: Vice President	9204 COLUMBIA AVENUE, MUNSTER IN 46321
Tanya A. Leetz	officer: Executive Vice President	9204 COLUMBIA AVENUE, MUNSTER IN 46321
Donald P Fesko	director	9204 COLUMBIA AVENUE, MUNSTER IN 46321