Finward Bancorp (FNWD) — Financial Flexibility Index
Finward Bancorp (FNWD) has a Financial Flexibility Index of 0.00x as of September 2025. Free cash flow of $1.35 Million (operating CF $1.20 Million minus capex $152.00K) represents 0% of total liabilities ($1.89 Billion). Check cash flow reinvestment rate of Finward Bancorp to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Finward Bancorp Financial Flexibility Index (1996–2024)
Historical Financial Flexibility Index trend for Finward Bancorp across 29 annual periods. For the full cash flow conversion analysis, see FNWD cash flow metrics.
Annual Financial Flexibility Index for Finward Bancorp (1996–2024)
Year-by-year free cash flow to debt coverage for Finward Bancorp. Explore how well can Finward Bancorp service its debt to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.01x | $12.88 Million | $9.80 Million | $1.91 Billion | ▼ -47.8% |
| 2023 | 0.01x | $25.36 Million | $24.21 Million | $1.96 Billion | ▲ +20.3% |
| 2022 | 0.01x | $20.79 Million | $17.76 Million | $1.93 Billion | ▼ -22.0% |
| 2021 | 0.01x | $20.17 Million | $17.04 Million | $1.46 Billion | ▼ -25.6% |
| 2020 | 0.02x | $24.88 Million | $21.15 Million | $1.34 Billion | ▲ +57.9% |
| 2019 | 0.01x | $14.00 Million | $10.96 Million | $1.19 Billion | ▲ +0.9% |
| 2018 | 0.01x | $11.55 Million | $10.54 Million | $994.69 Million | ▼ -30.5% |
| 2017 | 0.02x | $13.96 Million | $12.30 Million | $835.20 Million | ▲ +14.5% |
| 2016 | 0.01x | $12.10 Million | $10.39 Million | $829.52 Million | ▲ +6.2% |
| 2015 | 0.01x | $10.77 Million | $9.46 Million | $783.98 Million | ▼ -8.0% |
| 2014 | 0.01x | $10.44 Million | $9.58 Million | $698.88 Million | ▼ -21.7% |
| 2013 | 0.02x | $11.95 Million | $11.06 Million | $626.69 Million | ▲ +27.7% |
| 2012 | 0.01x | $9.32 Million | $8.53 Million | $624.19 Million | ▼ -42.3% |
| 2011 | 0.03x | $15.24 Million | $14.82 Million | $588.80 Million | ▼ -8.1% |
| 2010 | 0.03x | $16.18 Million | $14.48 Million | $574.96 Million | ▲ +439.5% |
| 2009 | 0.01x | $3.18 Million | $1.25 Million | $608.73 Million | ▼ -80.4% |
| 2008 | 0.03x | $16.29 Million | $12.14 Million | $611.96 Million | ▲ +35.7% |
| 2007 | 0.02x | $11.30 Million | $8.25 Million | $575.99 Million | ▲ +40.7% |
| 2006 | 0.01x | $7.93 Million | $6.57 Million | $568.97 Million | ▼ -8.1% |
| 2005 | 0.02x | $8.81 Million | $7.13 Million | $581.01 Million | ▼ -12.2% |
| 2004 | 0.02x | $8.87 Million | $7.88 Million | $513.30 Million | ▼ -39.3% |
| 2003 | 0.03x | $13.31 Million | $7.30 Million | $467.22 Million | ▲ +30.6% |
| 2002 | 0.02x | $9.79 Million | $7.62 Million | $448.85 Million | ▲ +32.4% |
| 2001 | 0.02x | $6.67 Million | $5.59 Million | $404.83 Million | ▼ -21.6% |
| 2000 | 0.02x | $7.54 Million | $5.34 Million | $358.78 Million | ▲ +19.2% |
| 1999 | 0.02x | $5.80 Million | $5.20 Million | $329.20 Million | ▲ +6.2% |
| 1998 | 0.02x | $5.21 Million | $4.48 Million | $314.10 Million | ▼ -14.2% |
| 1997 | 0.02x | $5.61 Million | $5.16 Million | $290.13 Million | ▲ +9.7% |
| 1996 | 0.02x | $4.79 Million | $2.42 Million | $271.60 Million | — |