Norwood Financial Corp. (NWFL)

Norwood Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	107.37	99.39	85.21	66.01	65.26	54.05
Interest Income on Investments	15.6	13.19	10.33	9.65	5.81	4.41
Total Interest Income	122.97	112.58	95.54	75.67	71.07	58.46
Interest Paid on Deposits	43.33	42.33	26.03	6.47	4.76	6.61
Interest Paid on Borrowings	5.63	8.06	7.44	0.8	1	1.37
Total Interest Expense	48.96	50.39	33.47	7.27	5.76	7.98
Net Interest Income	74.01	62.19	62.07	68.4	65.31	50.48
Net Interest Income Growth (YoY)	21.60%	0.20%	-9.25%	4.72%	29.39%	30.75%
Trust Income	1.03	0.94	0.9	0.85	0.75	0.68
Gain (Loss) on Sale of Investments	-19.96	-19.96	-0.21	0	0.09	0.07
Other Non-Interest Income	8.09	7.64	7.29	8.65	7.31	6.5
Total Non-Interest Income	-10.55	-11.15	8.12	9.93	8.36	7.78
Non-Interest Income Growth (YoY)	-	-	-18.20%	18.79%	7.47%	14.78%
Revenues Before Loan Losses	63.45	51.04	70.19	78.33	73.67	58.26
Provision for Loan Losses	2.91	2.67	5.55	0.9	4.2	5.45
Revenue	60.54	48.37	64.64	77.43	69.47	52.81
Revenue Growth (YoY)	-2.83%	-25.18%	-16.51%	11.45%	31.56%	19.65%
Salaries and Employee Benefits	25.74	24.3	22.74	21.43	20.06	16.59
Federal Deposit Insurance	1.46	1.34	0.99	0.61	0.68	0.4
Amortization of Goodwill & Intangibles	0.06	0.07	0.09	0.1	0.12	0.11
Selling, General & Administrative	15.22	14.48	12.54	11.75	10.83	9.57
Other Non-Interest Expense	7.99	8.38	7.02	7.08	6.77	5.67
Total Non-Interest Expense	50.95	48.63	43.5	41.04	38.61	32.39
EBT Excluding Unusual Items	9.59	-0.26	21.15	36.39	30.86	20.42
Pretax Income	9.59	-0.26	21.15	36.39	30.86	18.37
Income Tax Expense	1.93	-0.1	4.39	7.15	5.95	3.29
Net Income	7.66	-0.16	16.76	29.23	24.92	15.08
Net Income to Common	7.66	-0.16	16.76	29.23	24.92	15.08
Net Income Growth	-40.35%	-	-42.67%	17.33%	65.22%	6.08%
Basic Shares Outstanding	9	8	8	8	8	7
Diluted Shares Outstanding	9	8	8	8	8	7
Shares Change (YoY)	10.42%	0.11%	-1.14%	-0.27%	13.40%	14.18%
EPS (Basic)	0.86	-0.02	2.08	3.59	3.05	2.09
EPS (Diluted)	0.86	-0.02	2.07	3.58	3.04	2.09
EPS Growth	-45.92%	-	-42.18%	17.76%	45.45%	-7.11%
Dividend Per Share	1.240	1.210	1.170	1.130	1.060	1.010
Dividend Growth	3.33%	3.42%	3.54%	6.60%	4.95%	4.12%
Effective Tax Rate	20.14%	-	20.75%	19.66%	19.26%	17.89%

Updated Oct 22, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q