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
Interest Income on Loans	109.91	99.39	85.21	66.01	65.26
Interest Income on Investments	16.62	13.19	10.33	9.65	5.81
Total Interest Income	126.53	112.58	95.54	75.67	71.07
Interest Paid on Deposits	43.68	42.33	26.03	6.47	4.76
Interest Paid on Borrowings	4.52	8.06	7.44	0.8	1
Total Interest Expense	48.2	50.39	33.47	7.27	5.76
Net Interest Income	78.32	62.19	62.07	68.4	65.31
Net Interest Income Growth (YoY)	25.94%	0.20%	-9.25%	4.72%	29.39%
Trust Income	1.03	0.94	0.9	0.85	0.75
Gain (Loss) on Sale of Investments	-	-19.96	-0.21	0	0.09
Other Non-Interest Income	8.26	7.64	7.29	8.65	7.31
Total Non-Interest Income	9.62	-11.15	8.12	9.93	8.36
Non-Interest Income Growth (YoY)	-	-	-18.20%	18.79%	7.47%
Revenues Before Loan Losses	87.94	51.04	70.19	78.33	73.67
Provision for Loan Losses	1.77	2.67	5.55	0.9	4.2
Revenue	86.17	48.37	64.64	77.43	69.47
Revenue Growth (YoY)	78.16%	-25.18%	-16.51%	11.45%	31.56%
Salaries and Employee Benefits	26.93	24.3	22.74	21.43	20.06
Occupancy Expenses	5.48	-	-	-	-
Federal Deposit Insurance	1.55	1.34	0.99	0.61	0.68
Amortization of Goodwill & Intangibles	0.05	0.07	0.09	0.1	0.12
Selling, General & Administrative	7.71	14.48	12.54	11.75	10.83
Other Non-Interest Expense	9.28	8.38	7.02	7.08	6.77
Total Non-Interest Expense	51.15	48.63	43.5	41.04	38.61
EBT Excluding Unusual Items	35.02	-0.26	21.15	36.39	30.86
Pretax Income	35.02	-0.26	21.15	36.39	30.86
Income Tax Expense	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%
Basic Shares Outstanding	9	8	8	8	8
Diluted Shares Outstanding	9	8	8	8	8
Shares Change (YoY)	13.94%	0.11%	-1.14%	-0.27%	13.40%
EPS (Basic)	3.01	-0.02	2.08	3.59	3.05
EPS (Diluted)	3.01	-0.02	2.07	3.58	3.04
EPS Growth	-	-	-42.18%	17.76%	45.45%
Dividend Per Share	1.250	1.210	1.170	1.130	1.060
Dividend Growth	3.31%	3.42%	3.54%	6.60%	4.95%
Effective Tax Rate	20.74%	-	20.75%	19.66%	19.26%

Updated Jan 22, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q