Blog: FINWARD BANCORP : Regulation FD Disclosure, Financial Statements and Exhibits (form 8-K) –

Item 7.01. Regulation FD Disclosure

On September 7, 2022, Finward Bancorp (the “Bancorp”) will present financial and
other information to investors at the Raymond James 2022 U.S. Bank and Banking
on Tech Conference in Chicago, Illinois. The slides for the presentation are
attached as Exhibit 99.1 to this report and are incorporated by reference into
this Item 7.01. This information is furnished pursuant to Item 7.01 of Form 8-K
and shall not be deemed to be “filed” for the purposes of Section 18 of the
Securities Exchange Act of 1934 or otherwise subject to the liabilities of that
section. The filing of this report shall not been deemed an admission as to the
materiality of any information in the report that is required to be disclosed
solely by reason of Regulation FD.

Forward-Looking Statements

This Current Report on Form 8-K may contain forward-looking statements regarding
the financial performance, business prospects, growth, and operating strategies
of Finward. For these statements, Finward claims the protections of the safe
harbor for forward-looking statements contained in the Private Securities
Litigation Reform Act of 1995. Statements in this communication should be
considered in conjunction with the other information available about Finward,
including the information in the filings Finward makes with the SEC.
Forward-looking statements provide current expectations or forecasts of future
events and are not guarantees of future performance. The forward-looking
statements are based on management’s expectations and are subject to a number of
risks and uncertainties. Forward-looking statements are typically identified by
using words such as “anticipate,” “estimate,” “project,” “intend,” “plan,”
“believe,” “will” and similar expressions in connection with any discussion of
future operating or financial performance.

Although management believes that the expectations reflected in such
forward-looking statements are reasonable, actual results may differ materially
from those expressed or implied in such statements. Risks and uncertainties
that could cause actual results to differ materially include: difficulties and
delays in integrating Finward’s and Royal Financial’s businesses or fully
realizing cost savings and other benefits; business disruption following the
merger; changes in asset quality and credit risk; the inability to sustain
revenue and earnings growth; changes in interest rates and capital markets;
inflation; customer acceptance of Finward’s products and services; customer
borrowing, repayment, investment, and deposit practices; customer
disintermediation; the introduction, withdrawal, success, and timing of business
initiatives; competitive conditions; the inability to realize cost savings or
revenues or to implement integration plans and other consequences associated
with mergers, acquisitions, and divestitures; economic conditions; and the
impact, extent, and timing of technological changes, capital management
activities, and other actions of the Federal Reserve Board and legislative and
regulatory actions and reforms. Additional factors that could cause actual
results to differ materially from those expressed in the forward-looking
statements are discussed in Finward’s reports (such as the Annual Report on Form
10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K) filed
with the SEC and available at the SEC’s Internet website ( All
subsequent written and oral forward-looking statements concerning Finward or any
person acting on its behalf are expressly qualified in their entirety by the
cautionary statements above. Except as required by law, Finward does not
undertake any obligation to update any forward-looking statement to reflect
circumstances or events that occur after the date the forward-looking statement
is made.

In addition to the above factors, we also caution that the actual amounts and
timing of any future common stock dividends or share repurchases will be subject
to various factors, including our capital position, financial performance,
capital impacts of strategic initiatives, market conditions, and regulatory and
accounting considerations, as well as any other factors that our Board of
Directors deems relevant in making such a determination. Therefore, there can be
no assurance that we will repurchase shares or pay any dividends to holders of
our common stock, or as to the amount of any such repurchases or dividends.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits.

99.1 Slide presentation for the Raymond James 2022 U.S. Bank and Banking on

     Tech Conference held on September 7-8, 2022
104  Cover Page Interactive Data File (embedded within the Inline XBRL document


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