Norwood Financial (NWFL) Annual Income Statement

Annual · GAAP · USD millions
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Reviewing income statement figures over time helps illustrate how Norwood Financial generates earnings and manages operating expenses.
Annual Report, GAAP in USD millions
ITEM
(Dec 31 2025)
2025
(Dec 31 2024) (Dec 31 2023) (Dec 31 2022) (Dec 31 2021)
Revenues
Interest and Fee Income, Loans and Leases109.91
Interest and Dividend Income, Securities, Operating0.99
Interest Income, Deposits with Financial Institutions1.06
Other Income14.56
Total Interest Income126.53
Interest Expense, Domestic Deposits43.68
Interest Expense, Short-term Borrowings0.80
Interest Expense, Federal Home Loan Bank and Federal Reserve Bank Advances, Long-term3.73
Net Interest (-)Expense / Income-48.20
Net Interest Income78.32
Provision for loan losses1.93
Total Net Interest Income76.55
Revenue From Contract With Customer Excluding Assessed Tax8.00
Other Non-interest Income0.75
Loss / Gain on Investment0.33
Other Non-Interest Income-2.32
Total Non-interest Income9.62
Total Revenues86.17
Costs & Expenses
Salaries & employee benefits, SGA27.70
Restructuring, Accretion & impairment charges-1.24
Depreciation & Amortization0.05
Foreclosed Real Estate Expense-0.14
Communications, Occupancy and Information Technology-4.07
Professional Fees-1.91
Other Noninterest Expense-6.46
Other loss /-income-9.73
Total Operating Expenses1.71
Total Costs & Expenses49.92
Income & Taxes
Income /-loss before income taxes35.02
Income taxes expenses/-benefit7.26
Income after income taxes27.76
Net income/-loss of other equity0.00
Income /-loss after income taxes27.76
Net Income/-loss27.76
Income/-loss to shareholder27.76
Earnings Per Share
Basic EPS (excl. extra items)3.01
Basic Net EPS3.01
Basic shares outstanding (Mill. of Units)9.23
Diluted Net EPS3.01
Diluted average shares (Mill. of Units)9.24
Dividend per share1.25
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About Norwood Financial Corp Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.