Norwood Financial Corp.

Norwood Financial Corp.

NWFLยทNASDAQ

$29.36

-3.9%
Financial ServicesBanks - Regional

Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services. The company accepts a range of deposit products, including interest-bearing and non-interest bearing transaction accounts, and statement savings and money market accounts, as well as certificate of deposits. It also provides various loans, such as commercial loans comprising lines of credit, revolving credit, term loans, mortgages, secured lending products, and letter of credit facilities; municipal finance lending; construction loans for commercial construction projects and single-family residences; land loans; consumer loans; mortgage lending to finance principal residences and second home dwellings; and indirect dealer financing of new and used automobiles, boats, and recreational vehicles. In addition, the company offers investment securities services; trust and investment products; and cash management, direct deposit, remote deposit capture, mobile deposit capture, mobile payment, automated clearing house activity, real estate settlement, and Internet and mobile banking services. Further, it engages in the annuity and mutual fund sale, and discount brokerage activities, as well as insurance agency business. The company serves consumers, businesses, nonprofit organizations, and municipalities. It operates fourteen offices in Northeastern Pennsylvania; and sixteen offices in Delaware, Sullivan, Ontario, Otsego, and Yates Counties, New York, as well as thirty-one automated teller machines. Norwood Financial Corp. was founded in 1870 and is headquartered in Honesdale, Pennsylvania.

At a Glance

Live Snapshot
Market Cap$271.01M
EPS3.0300
P/E Ratio9.69
Earnings Date07/28/2026
3Y+59.0%
5Y+106.0%
10Y+264.0%
3Y-5.0%
5Y+84.0%
10Y+314.0%
3Y+11.0%
5Y+146.0%
10Y+200.0%
Norwood Financial Corp.

Norwood Financial Corp. Profit Bridge

NWFL ยท NASDAQ
Revenue136.14M
Cost of Goods Sold (49.50M)
Gross Profit86.63M
Operating Expenses (51.14M)
Operating Income35.49M
Interest Expense (48.20M)
Other Income/Expense-467.00K
Pretax Income35.02M
Income Tax (7.26M)
Net Income27.75M
Net Income
27.75M

Profitability Analysis

Gross Margin

63.6%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

26.1%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

20.4%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

20.7%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

Norwood Financial Corp. Income Statement

NWFL โ€ข NASDAQ

Norwood Financial Corp. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
136.1M
101.4M
103.7M
85.6M
79.4M
66.2M
54.1M
49.6M
45.9M
37.4M
32.5M
32.9M
33.9M
34.6M
32.5M
29.8M
32.2M
32.2M
32.8M
29.5M
GROSS PROFIT
(49.5M)
(53.1M)
(39M)
(8.2M)
(10M)
(13.4M)
(9.9M)
(7.4M)
(6.3M)
(5.7M)
(7.8M)
(4.9M)
(6M)
(7.1M)
(6.8M)
(7M)
(9.4M)
(10.4M)
(12.3M)
(10M)
86.6M
48.4M
64.6M
77.4M
69.5M
52.8M
44.1M
42.2M
39.6M
31.7M
24.6M
28M
27.9M
27.5M
25.7M
22.7M
22.8M
21.8M
20.5M
19.5M
OPERATING INCOME
(51.1M)
(48.6M)
(43.5M)
(41M)
(38.6M)
(34.4M)
(27.3M)
(26M)
(24.9M)
(23.1M)
(17.1M)
(17.7M)
(16.7M)
(16.1M)
(15.8M)
(12.8M)
(13.5M)
(12.2M)
(11.3M)
(11M)
(30.8M)
(27.3M)
(25.2M)
(23.2M)
(21.8M)
(21.3M)
(17.8M)
(16.8M)
(15.5M)
(13.5M)
(10.6M)
(10.6M)
(10.4M)
(10.3M)
(9.8M)
(8.5M)
(9M)
(8.2M)
(6.1M)
(5.9M)
35.5M
-258K
21.1M
36.4M
30.9M
18.4M
16.8M
16.2M
14.7M
8.6M
7.5M
10.3M
11.2M
11.4M
9.9M
10M
9.3M
9.5M
9.1M
8.6M
PRE-TAX INCOME
(48.2M)
(50.4M)
(33.5M)
(7.3M)
(5.8M)
(8M)
(8.7M)
(5.7M)
(4.1M)
(3.7M)
(3.3M)
(3.2M)
(3.6M)
(4.7M)
(5.2M)
(6M)
(7.7M)
(9.7M)
(12M)
(9.8M)
78.3M
62.2M
62.1M
68.4M
65.3M
50.5M
38.6M
36.8M
34.9M
28.6M
24.5M
24.6M
24.7M
24.8M
22.6M
19.7M
19.1M
18.4M
17.3M
16.2M
(20.3M)
(21.3M)
(18.3M)
(17.8M)
(16.9M)
(13.1M)
(9.5M)
(9.2M)
(9.4M)
(9.6M)
(6.5M)
(7.1M)
(6.3M)
(5.7M)
(6M)
(4.3M)
(4.5M)
(4M)
(5.3M)
(5.1M)
-467K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
35M
-258K
21.1M
36.4M
30.9M
18.4M
16.8M
16.2M
14.7M
8.6M
7.5M
10.3M
11.2M
11.4M
9.9M
10M
9.3M
9.5M
9.1M
8.6M
NET INCOME
(7.3M)
-98K
(4.4M)
(7.2M)
(5.9M)
(3.3M)
(2.6M)
(2.6M)
(6.6M)
(1.9M)
(1.6M)
(2.6M)
(2.7M)
(3M)
(2.6M)
(2.7M)
(2.3M)
(2.8M)
(2.6M)
(2.7M)
27.8M
-160K
16.8M
29.2M
24.9M
15.1M
14.2M
13.7M
8.2M
6.7M
5.9M
7.7M
8.5M
8.4M
7.4M
7.3M
7.1M
6.7M
6.5M
5.9M

SEC Filings

NWFL - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
10-Q

10-Q 2026 Q1

Q1

May 08, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 04, 2026
April 28, 2026
2026
8-K

8-K 2026

N/A

April 28, 2026
April 28, 2026
2026
8-K

8-K 2026

N/A

April 27, 2026
April 27, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 25, 2026
April 28, 2026
2026
10-K

10-K 2025 FY

FY

March 13, 2026
December 31, 2025
2025
8-K/A

8-K/A 2026 (Amended)

N/A

March 12, 2026
January 05, 2026
2026
8-K

8-K 2026

N/A

January 22, 2026
January 22, 2026
2026
8-K

8-K 2026

N/A

January 12, 2026
January 12, 2026
2026
8-K

8-K 2026

N/A

January 05, 2026
January 05, 2026
2026
Showing 1 to 10 of 451 filings