NWFL
NORWOOD FINANCIAL CORP
NASDAQ · Financial Services · Banks - Regional · US
$35.86
+0.60%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 154.0M | 136.1M | 101.4M | 103.7M | 85.6M |
| Cost of Revenue | 56.5M | 49.5M | 53.1M | 39.0M | 8.2M |
| Gross Profit | 97.5M | 86.6M | 48.4M | 64.6M | 77.4M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 13.2M | 30.8M | 27.3M | 25.2M | 23.2M |
| General & Admin Expense | 13.2M | 30.8M | 26.4M | 24.6M | 22.7M |
| Selling & Marketing Expense | — | — | 930.0K | 630.0K | 516.0K |
| Other Expenses | 42.8M | 20.3M | 21.3M | 18.3M | 17.8M |
| Total Operating Expenses | 56.0M | 51.1M | 48.6M | 43.5M | 41.0M |
| Cost and Expenses | 112.5M | 100.6M | 101.7M | 82.5M | 49.2M |
| Operating Income (EBIT) | 41.6M | 35.5M | (258.0K) | 21.1M | 36.4M |
| Non-Operating | |||||
| Interest Income | 153.3M | 126.5M | 112.6M | 95.5M | 75.7M |
| Interest Expense | 53.0M | 48.2M | 50.4M | 33.5M | 7.3M |
| Net Interest Income | 100.3M | 78.3M | 62.2M | 62.1M | 68.4M |
| Other Non-Op Income/Expense | (468.0K) | (467.0K) | — | — | — |
| Non-Operating Income (excl Interest) | — | — | — | — | — |
| EBT (Pre-Tax Income) | 41.1M | 35.0M | (258.0K) | 21.1M | 36.4M |
| Income Tax Expense | 8.8M | 7.3M | (98.0K) | 4.4M | 7.2M |
| Bottom Line | |||||
| Net Income | 32.3M | 27.8M | (160.0K) | 16.8M | 29.2M |
| Earnings from Cont. Ops | 32.3M | 27.8M | (160.0K) | 16.8M | 29.2M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 32.3M | 27.8M | (160.0K) | 16.8M | 29.2M |
| Per Share | |||||
| Basic EPS | $3.52 | $3.03 | ($0.02) | $2.08 | $3.59 |
| Diluted EPS | $3.52 | $3.03 | ($0.02) | $2.07 | $3.58 |
| Revenue Per Share | $16.81 | $14.86 | $12.68 | $12.87 | $10.52 |
| Shares | |||||
| Basic Shares Outstanding | 9.2M | 9.2M | 8.0M | 8.1M | 8.1M |
| Diluted Shares Outstanding | 9.2M | 9.2M | 8.0M | 8.1M | 8.2M |
| Profitability Metrics | |||||
| EBITDA | 43.2M | 37.0M | 1.1M | 22.6M | 38.0M |
| D&A | 1.6M | 1.5M | 1.4M | 1.5M | 1.6M |
| EBIT | 41.6M | 35.5M | (258.0K) | 21.1M | 36.4M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026