Finward Bancorp (FNWD) — Capital Reinvestment Ratio
Finward Bancorp (FNWD) has a Capital Reinvestment Ratio of 0.13x as of September 2025, meaning it reinvests 0% of its operating cash flow ($1.20 Million) in capital expenditures ($152.00K). Check FNWD intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Capital Reinvestment Ratio
Operating Cash Flow
Capital Expenditures
Data as of
Finward Bancorp Capital Reinvestment Ratio (1996–2024)
This chart tracks Finward Bancorp's Capital Reinvestment Ratio across 29 annual periods. For the full cash flow conversion analysis, see FNWD cash flow conversion.
Annual Capital Reinvestment Ratio for Finward Bancorp (1996–2024)
Year-by-year Capital Reinvestment Ratio for Finward Bancorp from 1996 to 2024. See Finward Bancorp free cash flow generation to measure how efficiently the company converts operating cash flow to free cash.
| Year | Reinvestment Ratio | Operating CF (USD) | Capital Expenditures | YoY Change |
|---|---|---|---|---|
| 2024 | 0.31x | $9.80 Million | $3.07 Million | ▲ +561.2% |
| 2023 | 0.05x | $24.21 Million | $1.15 Million | ▼ -72.2% |
| 2022 | 0.17x | $17.76 Million | $3.03 Million | ▼ -7.0% |
| 2021 | 0.18x | $17.04 Million | $3.13 Million | ▲ +3.9% |
| 2020 | 0.18x | $21.15 Million | $3.73 Million | ▼ -36.4% |
| 2019 | 0.28x | $10.96 Million | $3.04 Million | ▲ +189.3% |
| 2018 | 0.10x | $10.54 Million | $1.01 Million | ▼ -28.8% |
| 2017 | 0.13x | $12.30 Million | $1.66 Million | ▼ -18.1% |
| 2016 | 0.16x | $10.39 Million | $1.71 Million | ▲ +18.9% |
| 2015 | 0.14x | $9.46 Million | $1.31 Million | ▲ +54.4% |
| 2014 | 0.09x | $9.58 Million | $859.00K | ▲ +11.1% |
| 2013 | 0.08x | $11.06 Million | $893.00K | ▼ -13.6% |
| 2012 | 0.09x | $8.53 Million | $797.00K | ▲ +232.1% |
| 2011 | 0.03x | $14.82 Million | $417.00K | ▼ -76.1% |
| 2010 | 0.12x | $14.48 Million | $1.70 Million | ▼ -92.4% |
| 2009 | 1.55x | $1.25 Million | $1.93 Million | ▲ +353.4% |
| 2008 | 0.34x | $12.14 Million | $4.14 Million | ▼ -7.8% |
| 2007 | 0.37x | $8.25 Million | $3.05 Million | ▲ +78.8% |
| 2006 | 0.21x | $6.57 Million | $1.36 Million | ▼ -12.6% |
| 2005 | 0.24x | $7.13 Million | $1.69 Million | ▲ +87.6% |
| 2004 | 0.13x | $7.88 Million | $994.00K | ▼ -84.7% |
| 2003 | 0.82x | $7.30 Million | $6.01 Million | ▲ +190.5% |
| 2002 | 0.28x | $7.62 Million | $2.16 Million | ▲ +47.6% |
| 2001 | 0.19x | $5.59 Million | $1.07 Million | ▼ -53.3% |
| 2000 | 0.41x | $5.34 Million | $2.20 Million | ▲ +256.3% |
| 1999 | 0.12x | $5.20 Million | $600.00K | ▼ -29.4% |
| 1998 | 0.16x | $4.48 Million | $732.00K | ▲ +85.5% |
| 1997 | 0.09x | $5.16 Million | $454.00K | ▼ -91.0% |
| 1996 | 0.98x | $2.42 Million | $2.37 Million | — |