Norwood Financial Corp. (NWFL)

Nasdaq: NWFL · State Commercial Banks · Honesdale, PA · filing with the SEC since 1996

Grade5.4

◀ Past 6.3● Present 3.7▶ Future 6.4

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts in thousands. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Mar 13, 2026	Mar 14, 2025	Mar 14, 2024	Mar 17, 2023	Mar 11, 2022	Mar 9, 2021	Mar 13, 2020	Mar 14, 2019	Mar 15, 2018	Mar 15, 2017
Revenue	7,999	7,399	7,136	8,761	7,021^r	6,209	5,448	5,663	·	·
For lenders
Interest and dividend income	126,528	112,580	95,540	75,666	71,070	58,455	47,284	42,496	38,988	32,244
Interest expense on deposits and borrowings	48,204	50,389	33,473	·	·	·	·	·	·	·
Net interest income	78,324	62,191	62,067	68,397	65,313	50,476	38,606	36,839	34,908	28,590
Provision for credit losses	1,773	2,673	5,548	900	4,200	5,450	1,250	1,725	2,200	2,050
Net interest income after provision	76,551	59,518	56,519	67,497	61,113	45,026	37,356	35,114	32,708	26,540
Noninterest income	9,617	-11,151	8,124	9,932	8,361^r	7,780	6,778	7,065	6,911	5,179
Noninterest expense	51,149	48,625	43,497	41,044	38,614^r	34,440	27,311	25,975	24,870	23,124
Interest expense	·	·	33,473	7,269	5,757	7,979	8,678	5,657	4,080	3,654
Income before income taxes	35,019	-258	21,146	36,385	30,860	18,366	16,823	16,204	14,749	8,595
Income tax expense	7,264	-98	4,387	7,152	5,945	3,286	2,608	2,553	6,551	1,884
Net income	27,755	-160	16,759	29,233	24,915	15,080	14,215	13,651	8,198	6,711
Earnings per share, basic	3.01	-0.02	2.08	3.59	3.05	2.09	2.27	2.19	1.32	1.16^r
Earnings per share, diluted	3.01	-0.02	2.07	3.58	3.04	2.09	2.25	2.17	1.31	1.15^r
Weighted average shares, basic	9,231	8,093	8,062	8,137	8,178	7,203	6,260	6,232	6,210	5,795^r
Weighted average shares, diluted	9,235	8,093	8,084	8,177	8,199	7,230	6,332	6,290	6,271	5,828^r

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.Share counts and per-share figures are on the newest report's basis, after the 3-for-2 split.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Revenue what customers paid for what it soldus-gaap:RevenueFromContractWithCustomerExcludingAssessedTax

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaid

us-gaap:ProvisionForLoanLeaseAndOtherLosses
us-gaap:ProvisionForLoanAndLeaseLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before tax

us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton NWFL · research, not advice