Norwood Financial Corp. (NWFL)

Norwood Financial Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	78.32	62.19	62.07	68.4	65.31
Net Interest Income Growth	25.94%	0.20%	-9.25%	4.72%	29.39%
Non-Interest Income	9.62	-11.15	8.12	9.93	8.36
Non-Interest Income Growth	-	-	-18.20%	18.79%	7.47%
Revenues Before Loan Losses	87.94	51.04	70.19	78.33	73.67
Provision for Credit Losses	1.77	2.67	5.55	-	4.2
Revenue	86.17	48.37	64.64	78.33	69.47
Revenue Growth (YoY)	78.16%	-25.18%	-17.47%	12.75%	31.56%
Compensation Expenses	26.93	25.02	23.57	22.07	20.61
Selling, General & Admin	14.01	13.76	11.71	11.11	10.29
Other Non-Interest Expenses	10.21	9.85	8.22	7.86	7.72
Total Non-Interest Expense	51.15	48.63	43.5	41.04	38.61
Pretax Income	35.02	-0.26	21.15	36.39	30.86
Provision for Income Taxes	7.26	-0.1	4.39	7.15	5.95
Net Income	27.76	-0.16	16.76	29.23	24.92
Net Income to Common	27.76	-0.16	16.76	29.23	24.92
Net Income Growth	-	-	-42.67%	17.33%	65.22%
Shares Outstanding (Basic)	9	8	8	8	8
Shares Outstanding (Diluted)	9	8	8	8	8
Shares Change (YoY)	14.11%	0.11%	-1.14%	-0.27%	13.40%
EPS (Basic)	3.01	-0.02	2.08	3.58	3.05
EPS (Diluted)	3.01	-0.02	2.07	3.58	3.04
EPS Growth	-	-	-42.18%	17.76%	45.45%
Shares Outstanding	9.29	9.27	8.11	8.17	8.2
Free Cash Flow	29.25	19.68	28.41	28.58	27.94
Free Cash Flow Growth	48.61%	-30.73%	-0.59%	2.29%	114.13%
Free Cash Flow Per Share	3.17	2.43	3.51	3.50	3.41
Dividends Per Share	1.250	1.210	1.170	1.130	1.060
Dividend Growth	3.31%	3.42%	3.54%	6.60%	4.95%
Profit Margin	32.21%	-0.33%	25.93%	37.75%	35.86%
FCF Margin	33.94%	40.69%	43.95%	36.91%	40.22%
EBITDA	1.47	1.38	1.46	1.57	1.6
EBITDA Margin	1.70%	2.85%	2.26%	2.03%	2.31%
Effective Tax Rate	20.74%	37.98%	20.75%	19.66%	19.26%

Updated Jan 22, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q