Norwood Financial Corp. (NWFL) — Financial statements
Income statement, balance sheet, and cash flow for Norwood Financial Corp. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 136↑34.2% | 101↓2.2% | 104↑21.1% | 86↑7.8% | 79 | |
| Cost of Revenue | 50↓6.7% | 53↑36.0% | 39↑377.7% | 8↓18.0% | 10 | |
| Gross Profit | 87↑79.1% | 48↓25.2% | 65↓16.5% | 77↑11.5% | 69 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 31↑16.8% | 26↑7.4% | 25↑8.2% | 23↑6.5% | 21 | |
| Selling & Marketing Expenses | 0.00↓100.0% | 0.93↑47.6% | 0.63↑22.1% | 0.52↑9.1% | 0.47 | |
| SG&A Expenses | 31↑12.8% | 27↑8.4% | 25↑8.5% | 23↑6.6% | 22 | |
| Other Expenses | 20↓4.7% | 21↑16.5% | 18↑2.6% | 18↑5.9% | 17 | |
| Operating Expenses | 51↑5.2% | 49↑11.8% | 43↑6.0% | 41↑6.3% | 39 | |
| Total Costs & Expenses | 101↓1.0% | 102↑23.2% | 83↑67.7% | 49↑1.3% | 49 | |
| Operating Results | ||||||
| Operating Income | 35↑13854.3% | -0.26↓101.2% | 21↓41.9% | 36↑17.9% | 31 | |
| Depreciation & Amortization | 1↓22.1% | 1↓5.7% | 1↓7.1% | 2↓2.1% | 2 | |
| EBITDA | 37↑3167.1% | 1↓95.0% | 23↓40.4% | 38↑16.9% | 32 | |
| EBIT | 35↑13854.3% | -0.26↓101.2% | 21↓41.9% | 36↑17.9% | 31 | |
| Interest & Other Income | ||||||
| Net Interest Income | 78↑25.9% | 62↑0.2% | 62↓9.3% | 68↑4.7% | 65 | |
| Interest Income | 127↑12.4% | 113↑17.8% | 96↑26.3% | 76↑6.5% | 71 | |
| Interest Expense | 48↓4.3% | 50↑50.5% | 33↑360.5% | 7↑26.3% | 6 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | -0.47 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 35↑13673.3% | -0.26↓101.2% | 21↓41.9% | 36↑17.9% | 31 | |
| Income Tax Expense | 7↑7513.3% | -0.10↓102.2% | 4↓38.7% | 7↑20.3% | 6 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 28↑17446.3% | -0.16↓101.0% | 17↓42.7% | 29↑17.3% | 25 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 28↑17446.3% | -0.16↓101.0% | 17↓42.7% | 29↑17.3% | 25 | |
| Bottom-Line Net Income | 28↑17446.3% | -0.16↓101.0% | 17↓42.7% | 29↑17.3% | 25 | |
| EPS (Basic) | 3.03↑15250.0% | -0.02↓101.0% | 2.08↓42.1% | 3.59↑17.7% | 3.05 | |
| EPS (Diluted) | 3.03↑15250.0% | -0.02↓101.0% | 2.07↓42.2% | 3.58↑17.8% | 3.04 | |
| Weighted Average Shares | 9↑14.5% | 8↓0.7% | 8↓1.0% | 8↓0.5% | 8 | |
| Weighted Average Diluted Shares | 9↑14.5% | 8↓1.0% | 8↓1.1% | 8↓0.3% | 8 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.