NWFL
Norwood Financial Corp
NASDAQ: NWFL · FINANCIAL SERVICES · BANKS - REGIONAL
$30.87
+5.47% today
Updated 2026-05-01
Market cap
$321.26M
P/E ratio
10.81
P/S ratio
3.47x
EPS (TTM)
$2.73
Dividend yield
3.22%
52W range
$23 – $32
Volume
0.0M
Norwood Financial Corp (NWFL) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $29.53M | $32.78M | $32.18M | $32.23M | $29.75M | $32.51M | $34.62M | $33.87M | $32.88M | $32.48M | $37.42M | $45.90M | $49.56M | $54.06M | $66.23M | $79.43M | $85.60M | $103.66M | $101.43M | $136.14M |
| Revenue growth (YoY) | — | +11.0% | -1.8% | +0.1% | -7.7% | +9.3% | +6.5% | -2.2% | -2.9% | -1.2% | +15.2% | +22.6% | +8.0% | +9.1% | +22.5% | +19.9% | +7.8% | +21.1% | -2.2% | +34.2% |
| Cost of revenue | $9.99M | $12.30M | $10.43M | $9.41M | $7.02M | $6.76M | $7.10M | $6.00M | $4.89M | $7.84M | $5.70M | $6.28M | $7.38M | $9.93M | $13.43M | $9.96M | $8.17M | $39.02M | $53.06M | $49.50M |
| Gross profit | $19.55M | $20.48M | $21.75M | $22.82M | $22.73M | $25.75M | $27.52M | $27.88M | $27.99M | $24.64M | $31.72M | $39.62M | $42.18M | $44.13M | $52.81M | $69.47M | $77.43M | $64.64M | $48.37M | $86.63M |
| Gross margin | 66.2% | 62.5% | 67.6% | 70.8% | 76.4% | 79.2% | 79.5% | 82.3% | 85.1% | 75.9% | 84.8% | 86.3% | 85.1% | 81.6% | 79.7% | 87.5% | 90.5% | 62.4% | 47.7% | 63.6% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $5.66M | $5.83M | $7.99M | $8.81M | $8.27M | $9.61M | $10.12M | $10.22M | $10.38M | $10.32M | $13.24M | $15.24M | $16.50M | $17.51M | $20.96M | $21.29M | $22.68M | $24.55M | $26.36M | $30.80M |
| Operating income | $8.59M | $9.14M | $9.51M | $9.35M | $9.97M | $9.94M | $11.44M | $11.17M | $10.26M | $7.54M | $8.60M | $14.75M | $16.20M | $16.82M | $18.37M | $30.86M | $36.38M | $21.15M | $-258000.00 | $35.49M |
| Operating margin | 29.1% | 27.9% | 29.6% | 29.0% | 33.5% | 30.6% | 33.0% | 33.0% | 31.2% | 23.2% | 23.0% | 32.1% | 32.7% | 31.1% | 27.7% | 38.9% | 42.5% | 20.4% | -0.3% | 26.1% |
| EBITDA | $9.45M | $9.87M | $10.14M | $9.94M | $10.49M | $10.57M | $12.16M | $11.90M | $10.96M | $8.20M | $9.44M | $15.82M | $17.23M | $17.93M | $19.80M | $32.46M | $37.96M | $22.61M | $1.12M | $36.56M |
| EBITDA margin | 32.0% | 30.1% | 31.5% | 30.9% | 35.2% | 32.5% | 35.1% | 35.1% | 33.3% | 25.2% | 25.2% | 34.5% | 34.8% | 33.2% | 29.9% | 40.9% | 44.3% | 21.8% | 1.1% | 26.9% |
| EBIT | $8.59M | $9.14M | $9.51M | $9.35M | $9.97M | $9.94M | $11.44M | $11.17M | $10.26M | $7.54M | $8.60M | $14.75M | $16.20M | $16.82M | $18.37M | $30.86M | $36.38M | $21.15M | $-258000.00 | $35.49M |
| Interest expense | $9.77M | $11.98M | $9.69M | $7.73M | $6.02M | $5.18M | $4.65M | $3.60M | $3.21M | $3.26M | $3.65M | $4.08M | $5.66M | $8.68M | $7.98M | $5.76M | $7.27M | $33.47M | $50.39M | $48.20M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 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% | 0.0% |
| Net income | $5.91M | $6.51M | $6.68M | $7.06M | $7.31M | $7.36M | $8.40M | $8.46M | $7.66M | $5.91M | $6.71M | $8.20M | $13.65M | $14.21M | $15.08M | $24.91M | $29.23M | $16.76M | $-160000.00 | $27.75M |
| Net income growth (YoY) | — | +10.2% | +2.5% | +5.8% | +3.5% | +0.6% | +14.2% | +0.7% | -9.5% | -22.8% | +13.6% | +22.2% | +66.5% | +4.1% | +6.1% | +65.2% | +17.3% | -42.7% | -101.0% | +17446.3% |
| Profit margin | 20.0% | 19.9% | 20.7% | 21.9% | 24.6% | 22.6% | 24.3% | 25.0% | 23.3% | 18.2% | 17.9% | 17.9% | 27.5% | 26.3% | 22.8% | 31.4% | 34.2% | 16.2% | -0.2% | 20.4% |