Norwood Financial Corp (NWFL) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Norwood Financial reported revenue of $87.9M, up 72.3% from $51.0M the year before. Net income was $27.8M (a 31.6% net margin), or $3.01 per diluted share. Net interest income was $78.3M, and the efficiency ratio (noninterest expense / revenue) was 58.2%. Operating activities generated $34.0M of cash, leaving $29.2M of free cash flow. At fiscal year end, Norwood Financial held $2.42B in total assets against $2.18B in total liabilities.
Open the full interactive Norwood Financial financials → Quarterly statements, key ratios, valuation history and price charts.
Norwood Financial Key Stats
| Share Price | $33.83 |
|---|---|
| Market Cap | $367.0M |
| P/E Ratio | 11.2 |
| Revenue YoY Growth | +72.3% |
| 52-Week Range | $23.32 – $35.25 |
| Shares Outstanding | 10.8 million (basic, 2026 Q2) |
Norwood Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $50.5M | $65.3M | $68.4M | $62.1M | $62.2M | $78.3M |
| Provision for Credit Losses | $5.5M | $4.2M | $900,000 | $5.5M | $2.7M | $1.8M |
| Noninterest Income | $7.8M | $8.3M | $9.9M | $8.1M | -$11.2M | $9.6M |
| Noninterest Expense | $34.4M | $38.6M | $41.0M | $43.5M | $48.6M | $51.1M |
| Revenue | $58.3M | $73.6M | $78.3M | $70.2M | $51.0M | $87.9M |
| Pre-Tax Income | $18.4M | $30.9M | $36.4M | $21.1M | -$258,000 | $35.0M |
| Income Tax | $3.3M | $5.9M | $7.2M | $4.4M | -$98,000 | $7.3M |
| Net Income | $15.1M | $24.9M | $29.2M | $16.8M | -$160,000 | $27.8M |
| Diluted EPS | $2.09 | $3.04 | $3.58 | $2.07 | -$0.02 | $3.01 |
Norwood Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $23.0M | $23.5M | $27.3M | $29.4M |
| Net Income | $8.3M | $7.4M | $3.7M | $9.3M |
| Diluted EPS | $0.89 | $0.81 | $0.35 | $0.86 |
Norwood Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $1.40B | $1.34B | $1.46B | $1.58B | $1.69B | $1.83B |
| Total Assets | $1.85B | $2.07B | $2.05B | $2.20B | $2.32B | $2.42B |
| Deposits | $1.54B | $1.76B | $1.73B | $1.80B | $1.86B | $2.08B |
| Total Long-Term Debt | $42.5M | $30.0M | $40.0M | $124.2M | $101.8M | $59.4M |
| Total Liabilities | $1.66B | $1.86B | $1.88B | $2.02B | $2.10B | $2.18B |
| Shareholders' Equity | $194.8M | $205.3M | $167.1M | $181.1M | $213.5M | $242.2M |
Norwood Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $13.8M | $29.2M | $30.7M | $29.8M | $22.8M | $34.0M |
| Cash From Investing | -$61.4M | -$131.0M | -$208.0M | -$116.6M | -$115.2M | -$129.0M |
| Cash From Financing | $143.8M | $196.8M | $2.4M | $121.0M | $98.6M | $67.1M |
| Free Cash Flow | $13.0M | $27.9M | $28.6M | $28.4M | $19.7M | $29.2M |
Figures from Norwood Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Norwood Financial financials page for every line item.
Norwood Financial Company Profile
| Ticker | NWFL |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Honesdale, Pennsylvania |
| Incorporated in | Pennsylvania |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer, smaller reporting company |
| SEC CIK | 0001013272 |
Frequently Asked Questions
What was Norwood Financial's revenue in fiscal 2025?
Norwood Financial (NWFL) reported revenue of $87.9M for fiscal 2025.
What is Norwood Financial's annual revenue history?
Norwood Financial's annual revenue by fiscal year: 2020: $58.3M; 2021: $73.6M; 2022: $78.3M; 2023: $70.2M; 2024: $51.0M; 2025: $87.9M.
What was Norwood Financial's net income in fiscal 2025?
Norwood Financial reported net income of $27.8M for fiscal 2025.
What was Norwood Financial's earnings per share (EPS) in fiscal 2025?
Norwood Financial's diluted EPS was $3.01 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Norwood Financial generate in fiscal 2025?
Norwood Financial generated $29.2M of free cash flow in fiscal 2025.
What was Norwood Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), Norwood Financial reported revenue of $29.4M.
How much debt does Norwood Financial have?
Norwood Financial reported $59.4M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Norwood Financial are outstanding?
Norwood Financial reported a weighted average of 10.8 million basic shares outstanding in 2026 Q2.
What is Norwood Financial's market cap?
Based on its latest closing price, Norwood Financial (NWFL) has a market capitalization of about $367.0M.
When does Norwood Financial's fiscal year end?
Norwood Financial's fiscal year end, as registered with the SEC, is December 31.
Where is Norwood Financial headquartered?
Norwood Financial lists its business address in Honesdale, Pennsylvania in its SEC filings.