Norwood Financial Corp. (NWFL)
NASDAQ: NWFL · Real-Time Price · USD
35.68
-0.19 (-0.53%)
Nov 6, 2026, 4:00 PM EST - Market closed
Norwood Financial Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Interest Income on Loans | 134.76 | 109.91 | 99.39 | 85.21 | 66.01 | 65.26 |
Interest Income on Investments | 18.59 | 16.62 | 13.19 | 10.33 | 9.65 | 5.81 |
Total Interest Income | 153.35 | 126.53 | 112.58 | 95.54 | 75.67 | 71.07 |
Interest Paid on Deposits | 49.8 | 43.68 | 42.33 | 26.03 | 6.47 | 4.76 |
Interest Paid on Borrowings | 3.21 | 4.52 | 8.06 | 7.44 | 0.8 | 1 |
Total Interest Expense | 53 | 48.2 | 50.39 | 33.47 | 7.27 | 5.76 |
Net Interest Income | 100.35 | 78.32 | 62.19 | 62.07 | 68.4 | 65.31 |
Net Interest Income Growth | 35.59% | 25.94% | 0.20% | -9.25% | 4.72% | 29.39% |
Trust Income | 0.98 | 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 | 9.42 | 8.26 | 7.64 | 7.29 | 8.65 | 7.31 |
Total Non-Interest Income | 10.67 | 9.62 | -11.15 | 8.12 | 9.93 | 8.36 |
Non-Interest Income Growth | - | - | - | -18.20% | 18.79% | 7.47% |
Revenues Before Loan Losses | 111.02 | 87.94 | 51.04 | 70.19 | 78.33 | 73.67 |
Provision for Loan Losses | 3.97 | 1.77 | 2.67 | 5.55 | 0.9 | 4.2 |
| 107.05 | 86.17 | 48.37 | 64.64 | 77.43 | 69.47 | |
Revenue Growth | 76.82% | 78.16% | -25.18% | -16.51% | 11.45% | 31.56% |
Salaries and Employee Benefits | 31.88 | 26.15 | 24.3 | 22.74 | 21.43 | 20.06 |
Federal Deposit Insurance | 2 | 1.55 | 1.34 | 0.99 | 0.61 | 0.68 |
Amortization of Goodwill & Intangibles | 0.51 | 0.05 | 0.07 | 0.09 | 0.1 | 0.12 |
Selling, General & Administrative | 16.5 | 14.78 | 14.48 | 12.54 | 11.75 | 10.83 |
Other Non-Interest Expense | 8.71 | 7.23 | 8.38 | 7.02 | 7.08 | 6.77 |
Total Non-Interest Expense | 60.44 | 49.91 | 48.63 | 43.5 | 41.04 | 38.61 |
EBT Excluding Unusual Items | 46.61 | 36.26 | -0.26 | 21.15 | 36.39 | 30.86 |
Pretax Income | 41.09 | 35.02 | -0.26 | 21.15 | 36.39 | 30.86 |
Income Tax Expense | 8.83 | 7.26 | -0.1 | 4.39 | 7.15 | 5.95 |
Net Income | 32.26 | 27.76 | -0.16 | 16.76 | 29.23 | 24.92 |
Net Income to Common | 32.26 | 27.76 | -0.16 | 16.76 | 29.23 | 24.92 |
Net Income Growth | 321.08% | - | - | -42.67% | 17.33% | 65.22% |
Basic Shares Outstanding | 10 | 9 | 8 | 8 | 8 | 8 |
Diluted Shares Outstanding | 11 | 9 | 8 | 8 | 8 | 8 |
Shares Change | 17.69% | 14.11% | 0.11% | -1.14% | -0.27% | 13.40% |
EPS (Basic) | 3.07 | 3.01 | -0.02 | 2.08 | 3.59 | 3.05 |
EPS (Diluted) | 3.07 | 3.01 | -0.02 | 2.07 | 3.58 | 3.04 |
EPS Growth | 257.93% | - | - | -42.18% | 17.76% | 45.45% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share | 0.320 | 1.250 | 1.210 | 1.170 | 1.130 | 1.060 |
Dividend Growth | -74.19% | 3.31% | 3.42% | 3.54% | 6.60% | 4.95% |
Effective Tax Rate | 21.49% | 20.74% | - | 20.75% | 19.66% | 19.26% |