$29.36
-3.9%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.
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Outstanding operational efficiency. The company generates substantial profit from core operations.
Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.
NWFL โข NASDAQ
| Norwood Financial Corp. Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 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 |
NWFL - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
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 |
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