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Norwood Financial Corp. logo
Norwood Financial Corp. NWFL
$ 33.7 -0.62%
report update icon

Quarterly report 2026-Q2
added 08-07-2026

Norwood Financial Corp. Income Statement 2025-2008 | NWFL

Brief overview of profit and loss at Norwood Financial Corp.

This overview is based on financial performance over the past five years. Norwood Financial Corp. reported revenue of $58.3 million in 2020 and $8 million by 2025. The cumulative result was −86.3%, corresponding to roughly −32.8% per year. Revenue ended the period on a sustained downward trend.

Net income changed from 15.1 million dollars to 27.8 million dollars (+84.1%). Revenue converted into net income more efficiently.

Market value was 178 million dollars at the start and 261 million dollars at the end. Investors assigned a higher value to the business over time.

What the figures show

The figures do not all move in the same direction. The financial profile benefits from improving net profitability. The weaker side of the profile includes a softer top-line trend. Future reports should be judged by revenue momentum, margins, and the conversion of sales into net income.

Annual Income Statement Norwood Financial Corp.

2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008

Market Cap

261 M 229 M 205 M 229 M 228 M 178 M 220 M 183 M 198 M 139 M 103 M 109 M 107 M 99.4 M 83 M 43.7 K - -

Shares

9.23 M 8.09 M 8.06 M 8.14 M 8.18 M 7.22 M 6.26 M 6.23 M 6.21 M 5.79 M 5.54 M 5.47 M 5.45 M 5.42 M 5.08 M 2.76 K - -

Historical Prices

28.3 28.3 25.4 28.2 27.8 24.3 28.4 27.3 25.6 20.8 14.3 14.7 14.3 13.3 10.7 15.8 17.5 18.3

Net Income

27.8 M -160 K 16.8 M 29.2 M 24.9 M 15.1 M 14.2 M 13.7 M 8.2 M 6.71 M 5.91 M 7.66 M 8.46 M 8.4 M 7.36 M 7.31 M 7.06 M -

Revenue

8 M 7.4 M 7.14 M 8.76 M 7.02 M 58.3 M 45.4 M 43.9 M 41.8 M 33.8 M 29.2 M 29.7 M 30.3 M 30 M 27.3 M - - -

Cost of Revenue

26.9 M 25 M 23.6 M 22.1 M 20.6 M 17.1 M 14.7 M 14 M 12.8 M 10.9 M 8.54 M 8.62 M 8.45 M 8.4 M 7.85 M 6.51 M 6.83 M -

Gross Profit

- - - - - 58.5 M - - - - - - - - - - - -

Interest Expense

78.3 M 62.2 M 33.5 M 7.27 M 5.76 M 7.98 M 8.68 M 5.66 M 4.08 M 3.65 M 3.26 M 3.21 M 3.6 M 4.65 M 5.18 M 6.02 M 7.73 M -

EBITDA

54 K 69 K 85 K 101 K 123 K 18.5 M - - - - - - - - - 52 K 52 K -

Operating Expenses

- - - - - 40.1 M 37 M 33 M 31 M 27 M 25 M 23 M 23 M 23 M 23 M - - -

General and Administrative Expenses

- - - - - 21 M 17.5 M 16.5 M 15.2 M 13.2 M 10.3 M 10.4 M 10.2 M 10.1 M 9.61 M - - -

All numbers in USD currency

Quarterly Income Statement Norwood Financial Corp.

2026-Q2 2026-Q1 2025-Q3 2025-Q2 2025-Q1 2024-Q3 2024-Q2 2024-Q1 2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

Shares

10.8 M 10.8 M 9.32 M 9.21 M 9.22 M 8.05 M 8.04 M 8.06 M 8.03 M 8.06 M 8.13 M - 8.12 M 8.16 M 8.17 M - 8.19 M 8.18 M 8.19 M - 8.04 M 6.29 M 6.29 M - 6.26 M 6.26 M 6.26 M - 6.23 M 6.22 M 6.22 M - 6.21 M 6.21 M 6.22 M - 5.95 M 3.68 M 3.69 M - 3.67 M 3.67 M 3.68 M - 3.64 M 3.64 M 3.64 M - 3.63 M 3.62 M 3.63 M - 3.61 M 3.6 M 3.61 M - 3.29 M 2.94 M -

Net Income

9.33 M 3.73 M 8.33 M 6.2 M 5.77 M 3.84 M 4.21 M 4.43 M 4.12 M 6.5 M 5.78 M - 8.11 M 6.86 M 7.13 M - 6.98 M 5.76 M 5.54 M - 5 M 1.49 M 3.08 M - 3.91 M 3.52 M 3.19 M - 3.71 M 3.51 M 3.13 M - 2.94 M 2.72 M 2.38 M - 612 K 1.88 M 1.88 M - 1.78 M 1.96 M 2.04 M - 2.12 M 2.03 M 1.96 M - 2.14 M 1.84 M 2.31 M - 2.2 M 2.26 M 2.19 M - 2.22 M 1.48 M 1.66 M

Revenue

2.1 M 2.28 M 2.04 M 1.87 M 1.98 M 1.87 M 1.88 M 1.71 M 1.92 M 1.73 M 1.68 M - 1.89 M 2.02 M 3.14 M - 1.86 M 1.83 M 1.54 M - 1.61 M 1.12 M 1.33 M - 1.46 M 1.28 M 1.3 M - 1.66 M 1.43 M 1.27 M - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Cost of Revenue

8.67 M 8.55 M 6.7 M 6.6 M 6.47 M 6.24 M 5.95 M 6.14 M 6.08 M 5.84 M 5.97 M - 5.55 M 5.84 M 5.43 M - 5.49 M 5.17 M 4.95 M - 4.81 M 3.29 M 3.78 M - 3.67 M 3.6 M 3.65 M - 3.58 M 3.41 M 3.46 M - 3.21 M 3.21 M 3.22 M - 3.07 M 2.25 M 2.3 M - 2.18 M 2.07 M 2.14 M - 2.03 M 2.17 M 2.16 M - 2.1 M 2.12 M 2.21 M - 2.1 M 2.05 M 2.15 M - 2.13 M 1.83 M 1.7 M

Interest Expense

26.8 M 24.6 M 20.5 M 19.1 M 17.9 M 15.9 M 14.9 M 14.7 M 15 M 15.6 M 5.62 M - 1.66 M 1.2 M 1.25 M - 1.41 M 1.46 M 1.52 M - 1.98 M 1.98 M 2.2 M - 2.17 M 2.2 M 2.16 M - 1.4 M 1.22 M 1.22 M - 1.03 M 926 K 937 K - 958 K 840 K 851 K - 819 K 833 K 781 K - 787 K 805 K 823 K - 876 K 912 K 956 K - 1.16 M 1.2 M 1.22 M - 1.39 M 1.3 M 1.24 M

EBITDA

165 K 165 K 12 K 15 K 15 K 16 K 19 K 19 K 20 K 23 K 23 K - 24 K 27 K 27 K - 28 K 34 K 35 K - 35 K 21 K 23 K - 23 K 27 K 29 K - 29 K 33 K 34 K - 35 K 39 K 41 K - 34 K 23 K 24 K - 24 K 27 K 28 K - 28 K 31 K 33 K - 104 K 72 K 37 K - 116 K 80 K 40 K - 68 K 27 K 13 K

All numbers in USD currency

The income statement is one of the three key financial reports of a company Norwood Financial Corp. (alongside the balance sheet and the cash flow statement). It shows how the company makes money and what its expenses are:

  • How much revenue the company earned
  • How much it spent on production, personnel, marketing, taxes, etc.
  • What profit remained in the end

Analyzing the income statement helps an investor understand whether the business generates stable and growing profits, how effectively the company controls its expenses, and whether it is capable of generating income in the future. Additionally, this analysis shows how the company copes with crises and economic cycles, and allows assessing the potential for stock price growth and dividend payments.

Features
  • The income statement may include both recurring and one-time items (for example, profit from the sale of assets). It is necessary to separate core metrics from one-off events for accurate analysis.
  • Companies often publish interim reports (e.g., quarterly), which allows for more timely tracking of trends.
  • A combined analysis of the income statement with the balance sheet and cash flow statement provides a comprehensive view of the company’s financial health.

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