Finward Bancorp (FNWD) — Cash Flow Reinvestment Rate
Finward Bancorp (FNWD) has a Cash Flow Reinvestment Rate of 12.08x as of September 2025, reinvesting $14.49 Million (capex $152.00K plus investments $14.34 Million) from operating cash flow of $1.20 Million. See Finward Bancorp free cash flow ratio to measure how efficiently the company converts operating cash flow to free cash.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
Finward Bancorp Cash Flow Reinvestment Rate (1996–2024)
Historical reinvestment intensity for Finward Bancorp across 29 annual periods. For the full cash flow conversion analysis, see Finward Bancorp cash conversion from operations.
Annual Cash Flow Reinvestment Rate for Finward Bancorp (1996–2024)
Year-by-year capital reinvestment analysis for Finward Bancorp. See Finward Bancorp financial flexibility index to measure the company's free cash flow as a share of total liabilities.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2024 | 4.68x | $45.86 Million | $9.80 Million | $3.07 Million | ▲ +843.1% |
| 2023 | 0.50x | $12.01 Million | $24.21 Million | $1.15 Million | ▲ +110.0% |
| 2022 | 0.24x | $4.19 Million | $17.76 Million | $3.03 Million | ▼ -96.7% |
| 2021 | 7.12x | $121.28 Million | $17.04 Million | $3.13 Million | ▼ -19.5% |
| 2020 | 8.84x | $186.98 Million | $21.15 Million | $3.73 Million | ▲ +260.7% |
| 2019 | 2.45x | $26.86 Million | $10.96 Million | $3.04 Million | ▲ +997.1% |
| 2018 | 0.22x | $2.35 Million | $10.54 Million | $1.01 Million | ▼ -73.7% |
| 2017 | 0.85x | $10.47 Million | $12.30 Million | $1.66 Million | ▲ +417.1% |
| 2016 | 0.16x | $1.71 Million | $10.39 Million | $1.71 Million | ▲ +18.9% |
| 2015 | 0.14x | $1.31 Million | $9.46 Million | $1.31 Million | ▲ +54.4% |
| 2014 | 0.09x | $859.00K | $9.58 Million | $859.00K | ▲ +11.1% |
| 2013 | 0.08x | $893.00K | $11.06 Million | $893.00K | ▼ -13.6% |
| 2012 | 0.09x | $797.00K | $8.53 Million | $797.00K | ▲ +232.1% |
| 2011 | 0.03x | $417.00K | $14.82 Million | $417.00K | ▼ -76.1% |
| 2010 | 0.12x | $1.70 Million | $14.48 Million | $1.70 Million | ▼ -92.4% |
| 2009 | 1.55x | $1.93 Million | $1.25 Million | $1.93 Million | ▲ +353.4% |
| 2008 | 0.34x | $4.14 Million | $12.14 Million | $4.14 Million | ▼ -7.8% |
| 2007 | 0.37x | $3.05 Million | $8.25 Million | $3.05 Million | ▲ +78.8% |
| 2006 | 0.21x | $1.36 Million | $6.57 Million | $1.36 Million | ▼ -12.6% |
| 2005 | 0.24x | $1.69 Million | $7.13 Million | $1.69 Million | ▲ +87.6% |
| 2004 | 0.13x | $994.00K | $7.88 Million | $994.00K | ▼ -84.7% |
| 2003 | 0.82x | $6.01 Million | $7.30 Million | $6.01 Million | ▲ +190.5% |
| 2002 | 0.28x | $2.16 Million | $7.62 Million | $2.16 Million | ▲ +47.6% |
| 2001 | 0.19x | $1.07 Million | $5.59 Million | $1.07 Million | ▼ -53.3% |
| 2000 | 0.41x | $2.20 Million | $5.34 Million | $2.20 Million | ▲ +256.3% |
| 1999 | 0.12x | $600.00K | $5.20 Million | $600.00K | ▼ -29.4% |
| 1998 | 0.16x | $732.00K | $4.48 Million | $732.00K | ▲ +85.5% |
| 1997 | 0.09x | $454.00K | $5.16 Million | $454.00K | ▼ -91.0% |
| 1996 | 0.98x | $2.37 Million | $2.42 Million | $2.37 Million | — |