Norwood Financial Corp. (NWFL) Quarterly Income Statement

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Norwood Financial Corp. (NWFL) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

NWFL Income Statement

Norwood Financial Corp. (NWFL) annual income statement — 30-year revenue, gross profit & net income history

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23	Q2'23	Q1'23	Q4'22	Q3'22	Q2'22	Q1'22	Q4'21	Q3'21

Net Interest Income	26.84M	24.55M	20.94M	20.46M	19.07M	17.86M	16.63M	15.93M	14.93M	14.71M	15.29M	15.04M	15.64M	16.09M	17.23M	18.17M	16.89M	16.1M	16.5M	16.99M
NII Growth %	40.78%	37.5%	25.98%	28.42%	27.74%	21.39%	8.71%	5.93%	-4.58%	-8.59%	-11.26%	-17.23%	-7.41%	-0.05%	4.47%	6.95%	5.24%	2.06%	5.65%	10.82%
Net Interest Margin %	0.92%	0.84%	0.86%	0.85%	0.81%	0.75%	0.72%	0.7%	0.67%	0.65%	0.69%	0.69%	0.73%	0.76%	0.84%	0.9%	0.82%	0.77%	0.8%	0.83%
Interest Income	40.46M	38.38M	33.05M	32.19M	31.21M	30.08M	29.48M	28.49M	27.67M	26.94M	26.09M	24.51M	23.24M	21.71M	20.39M	19.83M	18.09M	17.35M	17.85M	18.4M
Interest Expense	13.62M	13.83M	12.1M	11.73M	12.14M	12.23M	12.86M	12.56M	12.75M	12.23M	10.79M	9.47M	7.59M	5.62M	3.16M	1.66M	1.2M	1.25M	1.36M	1.41M
Loan Loss Provision	1.94M	1.46M	0	-502K	943K	857K	1.6M	1.34M	347K	-624K	6.12M	882K	-1.75M	300K	300K	0	300K	300K	450K	750K
Non-Interest Income	2.53M	-7.2M	2.51M	2.5M	2.25M	2.35M	-17.66M	2.29M	2.21M	2.01M	2.12M	2.31M	1.78M	1.91M	1.93M	2.18M	2.49M	3.34M	2.02M	2.16M
Non-Interest Income %	8.6%	-41.51%	10.71%	10.91%	10.55%	11.63%	1707.83%	12.59%	12.88%	12%	12.19%	13.29%	10.23%	10.62%	10.05%	10.7%	12.84%	17.17%	10.91%	11.28%
Total Net Revenue	29.36M	17.35M	23.45M	22.96M	21.31M	20.21M	-1.03M	18.23M	17.13M	16.72M	17.42M	17.34M	17.43M	18M	19.16M	20.35M	19.38M	19.44M	18.52M	19.15M
Revenue Growth %	37.78%	-14.14%	2368.38%	25.99%	24.4%	20.89%	-105.94%	5.08%	-1.68%	-7.16%	-9.1%	-14.76%	-10.1%	-7.38%	3.47%	6.27%	6.27%	9.4%	1.32%	10.03%
Non-Interest Expense	15.79M	11.07M	13.61M	12.93M	12.53M	12.06M	13.42M	12.03M	11.44M	11.73M	10.85M	11.28M	10.94M	10.44M	10.28M	10.14M	10.47M	10.16M	10.04M	9.62M
Efficiency Ratio	53.78%	63.81%	58.02%	56.33%	58.8%	59.7%	-1297.78%	66.01%	66.8%	70.18%	62.29%	65.01%	62.77%	57.96%	53.64%	49.83%	54.03%	52.25%	54.23%	50.26%
Operating Income	11.63M	4.82M	9.84M	10.53M	7.83M	7.29M	-16.06M	4.85M	5.34M	5.61M	452K	5.19M	8.24M	7.27M	8.58M	10.21M	8.61M	8.98M	8.03M	8.78M
Operating Margin %	39.6%	27.78%	41.94%	45.86%	36.75%	36.06%	1552.9%	26.61%	31.18%	33.55%	2.6%	29.9%	47.27%	40.37%	44.8%	50.17%	44.43%	46.21%	43.34%	45.83%
Operating Income Growth %	48.48%	-33.85%	161.26%	117.13%	46.64%	29.94%	-3652.43%	-6.5%	-35.16%	-22.85%	-94.73%	-49.19%	-4.34%	-19.07%	6.95%	16.34%	18.81%	31.84%	18.61%	42.17%
Pretax Income	11.63M	4.82M	9.37M	10.53M	7.83M	7.29M	-16.06M	4.85M	5.34M	5.61M	452K	5.19M	8.24M	7.27M	8.58M	10.21M	8.61M	8.98M	8.03M	8.78M
Pretax Margin %	39.6%	27.78%	39.94%	45.86%	36.75%	36.06%	1552.9%	26.61%	31.18%	33.55%	2.6%	29.9%	47.27%	40.37%	44.8%	50.17%	44.43%	46.21%	43.34%	45.83%
Income Tax	2.3M	1.09M	1.93M	2.2M	1.63M	1.51M	-3.41M	1.01M	1.13M	1.18M	98K	1.07M	1.73M	1.49M	1.44M	2.1M	1.76M	1.85M	1.39M	1.79M
Effective Tax Rate %	19.79%	22.61%	20.56%	20.86%	20.78%	20.78%	21.21%	20.74%	21.12%	20.95%	21.68%	20.59%	21.05%	20.46%	16.81%	20.57%	20.39%	20.64%	17.28%	20.44%
Net Income	9.33M	3.73M	7.44M	8.33M	6.21M	5.77M	-12.65M	3.84M	4.21M	4.43M	354K	4.12M	6.5M	5.78M	7.14M	8.11M	6.86M	7.13M	6.64M	6.98M
Net Margin %	31.77%	21.5%	31.73%	36.29%	29.11%	28.57%	1223.5%	21.09%	24.59%	26.52%	2.03%	23.75%	37.32%	32.11%	37.27%	39.85%	35.37%	36.67%	35.85%	36.46%
Net Income Growth %	50.33%	-35.39%	158.83%	116.81%	47.28%	30.23%	-3673.73%	-6.68%	-35.21%	-23.33%	-95.04%	-49.2%	-5.13%	-18.88%	7.56%	16.16%	19.11%	28.62%	20.41%	39.65%
Net Income (Continuing)	9.33M	3.73M	7.44M	8.33M	6.21M	5.77M	-12.65M	3.84M	4.21M	4.43M	354K	4.12M	6.5M	5.78M	7.14M	8.11M	6.86M	7.13M	6.64M	6.98M
EPS (Diluted)	1.02	0.41	0.81	0.90	0.68	0.63	-1.54	0.48	0.52	0.55	0.04	0.51	0.81	0.71	0.88	0.99	0.84	0.87	0.81	0.85
EPS Growth %	50%	-34.92%	152.6%	87.5%	30.77%	14.55%	-3950%	-5.88%	-35.8%	-22.54%	-95.45%	-48.48%	-3.57%	-18.39%	8.64%	16.47%	20%	29.85%	20.9%	37.1%
EPS (Basic)	1.02	0.41	0.81	0.89	0.67	0.63	-1.54	0.48	0.52	0.55	0.04	0.51	0.81	0.71	0.88	1.00	0.84	0.87	0.81	0.85
Diluted Shares Outstanding	9.16M	9.16M	9.16M	9.16M	9.16M	9.16M	8.21M	8.05M	8.06M	8.06M	8.88M	8.03M	8.07M	8.15M	8.11M	8.19M	8.17M	8.2M	8.2M	8.21M