Norwood Financial (NWFL) Financial Statements & Analysis

Norwood Financial (NWFL) Income Statement

Norwood Financial reported revenue of $87.94M in fiscal 2025 (fiscal year ended Dec 31, 2025), down 13.3% from $101.43M a year earlier. Net income was $27.75M, a net margin of 31.6%. Gross margin was 98.5% and operating margin 40.4%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $42.98M, up 111.1% from the same quarter a year earlier.

Norwood Financial Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Norwood Financial Corp. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	87.94	101.43	103.66	78.33	69.47	66.24	54.06	49.56	45.90
Cost of Revenue	49.50	53.06	39.02	8.17	9.96	13.43	9.93	7.38	6.28
Gross Profit	86.63	48.37	64.64	77.43	69.47	52.81	44.13	42.18	39.62
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	29.22	27.29	25.18	23.20	10.29	21.35	17.78	16.76	15.51
Operating Expenses	51.14	48.63	43.50	41.04	38.61	34.44	27.31	25.98	24.87
Operating Income	35.49	-0.26	21.15	36.39	30.86	18.37	16.82	16.20	14.75
Other Income/Expense
Interest Income	126.53	112.58	95.54	75.67	71.07	58.46	47.28	42.50	38.99
Interest Expense	48.20	50.39	33.47	7.27	5.76	7.98	8.68	5.66	4.08
Other Income/Expense	-0.47	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	35.02	-0.26	21.15	36.39	30.86	18.37	16.82	16.20	14.75
Income Tax Expense	7.26	-0.10	4.39	7.15	5.95	3.29	2.61	2.55	6.55
Net Income	27.76	-0.16	16.76	29.23	24.92	15.08	14.22	13.65	8.20
Net Income - Continuous Operations	27.76	-0.16	16.76	29.23	24.92	15.08	14.22	13.65	8.20
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	36.56	1.12	22.61	1.57	1.60	19.80	17.93	17.23	15.82
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	0.05	1.38	1.46	0.10	0.12	1.44	1.11	1.02	1.07
Earnings Per Share
Basic EPS	3.00	-	2.00	4.00	3.00	2.00	2.00	2.00	1.00
Diluted EPS	3.00	-	2.00	4.00	3.00	2.00	2.00	2.00	1.00
Basic Shares Outstanding	9.22	8.00	8.06	8.14	8.18	7.20	6.26	6.23	6.21
Diluted Shares Outstanding	9.22	8.00	8.08	8.17	8.20	7.23	6.33	6.29	6.26

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Norwood Financial Financial Statements

What was Norwood Financial's revenue in fiscal 2025?

Norwood Financial reported revenue of $87.94M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was down 13.3% from $101.43M a year earlier.

Is Norwood Financial profitable?

Yes. Norwood Financial earned net income of $27.75M in fiscal 2025, a net margin of 31.6%. In fiscal 2024 it lost $160.00K.

What is Norwood Financial's operating margin?

Norwood Financial's operating income was $35.49M on revenue of $87.94M in fiscal 2025, an operating margin of 40.4%, compared with -0.3% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition