Norwood Financial Corp. (NWFL) quarterly income statement — complete revenue, gross profit & net income history
| Metric | 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 | Q2'21 |
|---|
| Net Interest Income | 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 | 16.05M |
| NII Growth % | 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% | 62.69% |
| Net Interest Margin % | 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% | 0.79% |
| Interest Income | 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 | 17.52M |
| Interest Expense | 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 | 1.46M |
| Loan Loss Provision | 1.46M | 0 | -502K | 943K | 857K | 1.6M | 1.34M | 347K | -624K | 6.12M | 882K | -1.75M | 300K | 300K | 0 | 300K | 300K | 450K | 750K | 1.5M |
| Non-Interest Income | -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 | 2.19M |
| Non-Interest Income % | -23.1% | 7.06% | 7.22% | 6.72% | 7.25% | -149.32% | 7.46% | 7.39% | 6.93% | 7.53% | 8.6% | 7.13% | 8.09% | 8.63% | 9.9% | 12.09% | 16.14% | 10.17% | 10.5% | 11.1% |
| Total Revenue | 31.18M | 35.56M | 34.7M | 33.45M | 32.44M | 11.83M | 30.78M | 29.88M | 28.94M | 28.21M | 26.81M | 25.02M | 23.62M | 22.32M | 22.01M | 20.58M | 20.68M | 19.87M | 20.56M | 19.7M |
| Revenue Growth % | -3.87% | 200.67% | 12.72% | 11.97% | 12.06% | -58.08% | 14.8% | 19.42% | 22.52% | 26.37% | 21.83% | 21.56% | 14.2% | 12.31% | 7.06% | 4.46% | 7.22% | -1.08% | 6.07% | 48.81% |
| Non-Interest Expense | 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 | 9.49M |
| Efficiency Ratio | 35.51% | 38.27% | 37.28% | 37.46% | 37.19% | 113.47% | 39.08% | 38.3% | 40.53% | 38.46% | 42.05% | 43.72% | 44.18% | 46.04% | 46.07% | 50.88% | 49.1% | 50.53% | 46.81% | 48.17% |
| Operating Income | 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 | 7.25M |
| Operating Margin % | 15.46% | 27.66% | 30.35% | 23.41% | 22.47% | -135.78% | 15.76% | 17.88% | 19.38% | 1.6% | 19.34% | 32.92% | 30.77% | 38.45% | 46.38% | 41.84% | 43.42% | 40.38% | 42.68% | 36.78% |
| Operating Income Growth % | -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% | 288.22% |
| Pretax Income | 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 | 7.25M |
| Pretax Margin % | 15.46% | 26.35% | 30.35% | 23.41% | 22.47% | -135.78% | 15.76% | 17.88% | 19.38% | 1.6% | 19.34% | 32.92% | 30.77% | 38.45% | 46.38% | 41.84% | 43.42% | 40.38% | 42.68% | 36.78% |
| Income Tax | 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 | 1.49M |
| Effective Tax Rate % | 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% | 20.6% |
| Net Income | 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 | 5.75M |
| Net Margin % | 11.96% | 20.93% | 24.02% | 18.55% | 17.8% | -106.98% | 12.49% | 14.1% | 15.32% | 1.25% | 15.36% | 25.99% | 24.48% | 31.99% | 36.84% | 33.31% | 34.46% | 33.4% | 33.96% | 29.21% |
| Net Income Growth % | -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% | 286.76% |
| Net Income (Continuing) | 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 | 5.75M |
| EPS (Diluted) | 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 | 0.70 |
| EPS Growth % | -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% | 191.67% |
| EPS (Basic) | 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 | 0.70 |
| Diluted Shares Outstanding | 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 | 8.21M |