See more : O2 Czech Republic a.s. (TFAOF) Income Statement Analysis – Financial Results
Complete financial analysis of Norwood Financial Corp. (NWFL) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Norwood Financial Corp., a leading company in the Banks – Regional industry within the Financial Services sector.
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Norwood Financial Corp. (NWFL)
About Norwood Financial Corp.
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.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 64.64M | 78.33M | 73.64M | 58.26M | 45.38M | 43.90M | 41.82M | 33.77M | 29.22M | 29.67M | 30.28M | 29.97M | 27.32M | 23.73M | 24.50M | 22.49M | 20.80M | 19.77M | 18.81M | 17.56M | 16.82M | 16.96M | 16.36M | 15.56M | 14.00M | 13.30M | 13.00M | 3.55M | 1.65M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 64.64M | 78.33M | 73.64M | 58.26M | 45.38M | 43.90M | 41.82M | 33.77M | 29.22M | 29.67M | 30.28M | 29.97M | 27.32M | 23.73M | 24.50M | 22.49M | 20.80M | 19.77M | 18.81M | 17.56M | 16.82M | 16.96M | 16.36M | 15.56M | 14.00M | 13.30M | 13.00M | 3.55M | 1.65M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 24.55M | 22.68M | 23.70M | 19.98M | 16.68M | 15.79M | 14.58M | 12.68M | 9.89M | 9.97M | 9.78M | 9.70M | 9.10M | 7.83M | 8.76M | 6.05M | 5.83M | 5.66M | 5.41M | 5.13M | 4.92M | 4.85M | 4.64M | 4.36M | 4.10M | 3.90M | 3.60M | 3.78M | 3.29M |
| Selling & Marketing | 630.00K | 516.00K | 473.00K | 385.00K | 267.00K | 257.00K | 268.00K | 283.00K | 240.00K | 224.00K | 208.00K | 222.00K | 205.00K | 187.00K | 186.00K | 213.00K | 235.00K | 224.00K | 159.00K | 156.00K | 170.00K | 168.00K | 131.00K | 185.00K | 100.00K | 100.00K | 200.00K | 0.00 | 0.00 |
| SG&A | 25.18M | 23.20M | 23.70M | 19.98M | 16.68M | 15.79M | 14.58M | 12.68M | 9.89M | 9.97M | 9.78M | 9.70M | 9.10M | 7.83M | 8.76M | 6.26M | 6.06M | 5.88M | 5.57M | 5.29M | 5.09M | 5.02M | 4.77M | 4.54M | 4.20M | 4.00M | 3.80M | 3.78M | 3.29M |
| Other Expenses | 0.00 | -12.92M | -66.48M | -59.87M | -45.24M | -38.80M | -36.65M | -34.20M | -28.31M | -26.16M | -25.29M | -23.58M | -21.30M | -15.56M | -16.19M | -9.54M | -5.73M | -7.29M | -10.04M | -10.84M | -9.53M | -8.38M | -5.12M | -3.86M | -4.10M | -4.20M | -4.20M | 3.13M | 4.41M |
| Operating Expenses | 35.28M | 2.24M | -42.78M | -39.89M | -28.56M | -22.04M | -22.07M | -21.52M | -18.42M | -16.20M | -15.51M | -13.88M | -12.21M | -7.73M | -7.43M | -3.28M | 327.00K | -1.41M | -4.47M | -5.55M | -4.45M | -3.37M | -343.00K | 685.00K | 100.00K | -200.00K | -400.00K | 6.91M | 7.70M |
| Cost & Expenses | 35.28M | 2.24M | -42.78M | -39.89M | -28.56M | -22.04M | -22.07M | -21.52M | -18.42M | -16.20M | -15.51M | -13.88M | -12.21M | -7.73M | -7.43M | -3.28M | 327.00K | -1.41M | -4.47M | -5.55M | -4.45M | -3.37M | -343.00K | 685.00K | 100.00K | -200.00K | -400.00K | 6.91M | 7.70M |
| Interest Income | 95.54M | 75.67M | 71.07M | 58.46M | 47.28M | 42.50M | 38.99M | 32.24M | 27.78M | 27.77M | 28.26M | 29.41M | 27.77M | 25.69M | 26.84M | 28.10M | 29.26M | 25.95M | 21.77M | 19.01M | 19.35M | 21.56M | 23.76M | 23.94M | 21.20M | 20.20M | 19.90M | 18.31M | 15.82M |
| Interest Expense | 33.47M | 7.27M | 5.76M | 7.98M | 8.68M | 5.66M | 4.08M | 3.65M | 3.26M | 3.21M | 3.60M | 4.65M | 5.18M | 6.02M | 7.73M | 9.69M | 11.98M | 9.77M | 6.51M | 4.99M | 6.02M | 7.61M | 10.21M | 10.88M | 9.10M | 8.50M | 8.80M | 8.12M | 6.90M |
| Depreciation & Amortization | 1.46M | 1.57M | 1.60M | 1.44M | 1.11M | 1.02M | 1.07M | 848.00K | 656.00K | 693.00K | 731.00K | 723.00K | 639.00K | 511.00K | 598.00K | 629.00K | 731.00K | 856.00K | 1.02M | 596.00K | 1.19M | 1.03M | 791.00K | 790.00K | 900.00K | 900.00K | 1.00M | 522.08K | 640.13K |
| EBITDA | 22.61M | 37.96M | 32.46M | 19.80M | 17.93M | 17.23M | 15.82M | 9.44M | 8.20M | 10.96M | 11.90M | 12.16M | 11.81M | 12.11M | 9.94M | 11.37M | 10.96M | 9.14M | 8.43M | 7.01M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | 34.97% | 57.74% | 42.07% | 31.72% | 37.29% | 52.12% | 47.59% | 38.78% | 39.20% | 47.74% | 51.20% | 56.10% | 57.67% | 69.58% | 72.12% | 88.21% | 105.09% | 97.19% | 81.66% | 71.78% | 80.67% | 86.21% | 102.74% | 109.48% | 107.14% | 105.26% | 104.62% | 309.13% | 606.73% |
| Operating Income | 21.15M | 43.65M | 30.86M | 18.37M | 16.82M | 21.86M | 19.75M | 12.25M | 10.80M | 13.47M | 14.77M | 16.09M | 15.12M | 16.00M | 17.07M | 19.21M | 21.12M | 18.36M | 14.34M | 12.01M | 12.37M | 13.59M | 16.01M | 16.24M | 14.10M | 13.10M | 12.60M | 10.46M | 9.35M |
| Operating Income Ratio | 32.71% | 55.73% | 41.91% | 31.53% | 37.07% | 49.79% | 47.23% | 36.27% | 36.95% | 45.40% | 48.78% | 53.68% | 55.33% | 67.42% | 69.67% | 85.41% | 101.57% | 92.86% | 76.25% | 68.38% | 73.57% | 80.15% | 97.90% | 104.40% | 100.71% | 98.50% | 96.92% | 294.43% | 567.85% |
| Total Other Income/Expenses | 0.00 | 0.00 | 0.00 | -2.05M | -4.85M | -4.88M | -5.43M | -6.55M | -4.13M | -4.76M | -3.19M | -768.00K | 0.00 | 0.00 | -598.00K | 0.00 | -10.96M | 0.00 | 0.00 | -596.00K | -6.02M | -7.61M | -10.21M | -10.88M | -9.10M | -8.50M | -8.80M | -8.12M | -6.90M |
| Income Before Tax | 21.15M | 36.39M | 30.86M | 18.37M | 16.82M | 16.20M | 14.75M | 8.60M | 7.54M | 10.26M | 11.17M | 11.44M | 9.94M | 9.98M | 9.35M | 9.51M | 9.14M | 8.59M | 7.84M | 7.01M | 6.35M | 5.98M | 5.80M | 5.36M | 5.00M | 4.60M | 3.80M | 2.34M | 2.45M |
| Income Before Tax Ratio | 32.71% | 46.45% | 41.91% | 31.53% | 37.07% | 36.91% | 35.27% | 25.45% | 25.80% | 34.59% | 36.90% | 38.17% | 36.36% | 42.04% | 38.14% | 42.30% | 43.95% | 43.45% | 41.67% | 39.94% | 37.75% | 35.25% | 35.48% | 34.48% | 35.71% | 34.59% | 29.23% | 65.88% | 149.04% |
| Income Tax Expense | 4.39M | 7.15M | 5.95M | 3.29M | 2.61M | 2.55M | 6.55M | 1.88M | 1.63M | 2.61M | 2.71M | 3.04M | 2.58M | 2.66M | 2.28M | 2.84M | 2.63M | 2.68M | 2.34M | 2.00M | 1.69M | 1.62M | 1.60M | 1.50M | 1.50M | 1.40M | 1.10M | 468.39K | 652.27K |
| Net Income | 16.76M | 29.23M | 24.92M | 15.08M | 14.22M | 13.65M | 8.20M | 6.71M | 5.91M | 7.66M | 8.47M | 8.40M | 7.36M | 7.31M | 7.06M | 6.68M | 6.51M | 5.91M | 5.50M | 5.01M | 4.65M | 4.35M | 4.20M | 3.86M | 3.50M | 3.20M | 2.70M | 1.87M | 1.80M |
| Net Income Ratio | 25.93% | 37.32% | 33.83% | 25.89% | 31.32% | 31.09% | 19.60% | 19.87% | 20.22% | 25.81% | 27.96% | 28.04% | 26.92% | 30.82% | 28.83% | 29.69% | 31.31% | 29.90% | 29.22% | 28.53% | 27.67% | 25.67% | 25.69% | 24.81% | 25.00% | 24.06% | 20.77% | 52.69% | 109.43% |
| EPS | 2.07 | 3.59 | 3.05 | 2.09 | 2.27 | 2.19 | 1.32 | 1.16 | 1.07 | 1.40 | 1.55 | 1.55 | 1.45 | 1.61 | 1.56 | 1.48 | 1.42 | 1.28 | 1.13 | 1.09 | 1.03 | 0.98 | 0.96 | 0.60 | 0.80 | 0.74 | 0.31 | 0.21 | 0.39 |
| EPS Diluted | 2.07 | 3.58 | 3.04 | 2.09 | 2.24 | 2.17 | 1.31 | 1.15 | 1.07 | 1.40 | 1.55 | 1.55 | 1.45 | 1.60 | 1.55 | 1.46 | 1.39 | 1.25 | 1.11 | 1.07 | 1.01 | 0.97 | 0.95 | 0.59 | 0.80 | 0.73 | 0.31 | 0.21 | 0.39 |
| Weighted Avg Shares Out | 8.10M | 8.14M | 8.18M | 7.20M | 6.26M | 6.23M | 6.21M | 5.79M | 5.52M | 5.47M | 5.45M | 5.41M | 5.08M | 4.55M | 4.54M | 4.52M | 4.59M | 4.62M | 4.86M | 4.59M | 4.50M | 4.44M | 4.37M | 4.33M | 4.35M | 4.31M | 13.42M | 8.85M | 4.61M |
| Weighted Avg Shares Out (Dil) | 8.08M | 8.18M | 8.20M | 7.23M | 6.33M | 6.29M | 6.26M | 5.82M | 5.54M | 5.47M | 5.45M | 5.42M | 5.08M | 4.57M | 4.56M | 4.57M | 4.67M | 4.71M | 4.96M | 4.69M | 4.61M | 4.49M | 4.40M | 4.36M | 4.37M | 4.35M | 13.42M | 8.85M | 4.61M |
Norwood Financial Corp Announces Third Quarter 2024 Results
Quarterly Highlights: Net interest margin increased 19 basis points vs. the prior quarter and 7 basis points over the prior year.
Norwood Financial Corp Announces Cash Dividend
HONESDALE, Pa., Oct. 08, 2024 (GLOBE NEWSWIRE) -- James O. Donnelly, President and Chief Executive Officer of Norwood Financial Corp (NASDAQ Global Market - NWFL) and its subsidiary Wayne Bank, announced that the Board of Directors has declared a $0.30...
Norwood Financial Corp Announces Second Quarter Earnings
HONESDALE, Pa., July 26, 2024 (GLOBE NEWSWIRE) -- James O. Donnelly, President and Chief Executive Officer of Norwood Financial Corp (Nasdaq Global Market-NWFL) and its subsidiary, Wayne Bank, announced earnings for the three months ended June 30, 2024 of $4,213,000,...
Norwood Financial Corp and Wayne Bank Appoint Ronald R. Schmalzle as Director
HONESDALE, Pa., July 18, 2024 (GLOBE NEWSWIRE) -- The Board of Directors of Norwood Financial Corp (NASDAQ Global Market – NWFL) and its subsidiary, Wayne Bank, announced the appointment of Ronald R. Schmalzle to the Board of Directors of Norwood...
Norwood Financial Corp Announces Cash Dividend
HONESDALE, Pa., June 26, 2024 (GLOBE NEWSWIRE) -- James O. Donnelly, President and Chief Executive Officer of Norwood Financial Corp (NASDAQ Global Market - NWFL) and its subsidiary Wayne Bank, announced that the Board of Directors has declared a $0.30...
Norwood Financial Corp Announces Appointment of John M. McCaffery as Executive Vice President and Chief Financial Officer
James O. Donnelly, President and Chief Executive Officer of Norwood Financial Corp (the “Company”) (NASDAQ Global Market: NWFL) and its wholly owned subsid
Norwood Financial Corp Holds Annual Meeting of Shareholders
HONESDALE, Pa., April 26, 2024 (GLOBE NEWSWIRE) -- The 153rd Annual Meeting of Shareholders of Norwood Financial Corp (Nasdaq-NWFL), parent company of Wayne Bank, was held in person on Tuesday, April 23, 2024, at 6th & River, Honesdale, Pennsylvania.
Norwood Financial Corp Announces First Quarter 2024 Earnings
HONESDALE, Pa., April 22, 2024 (GLOBE NEWSWIRE) -- James O. Donnelly, President and Chief Executive Officer of Norwood Financial Corp (Nasdaq Global Market – NWFL) and its subsidiary, Wayne Bank, announced net income of $4,433,000 for the three months ended...
Norwood Financial Corp Announces Cash Dividend
HONESDALE, Pa., March 22, 2024 (GLOBE NEWSWIRE) -- James O. Donnelly, President and Chief Executive Officer of Norwood Financial Corp (NASDAQ Global Market - NWFL) and its subsidiary Wayne Bank, announced that the Board of Directors has declared a $0.30...
Joseph W. Adams Joins Wayne Bank as Senior Vice President
HONESDALE, Pa., March 19, 2024 (GLOBE NEWSWIRE) -- Jim Donnelly, President and CEO of Wayne Bank, announced the appointment of Joseph W. Adams as Senior Vice President and Director of Wealth Management and Investment Services for Wayne Bank.
Source: https://incomestatements.info
Category: Stock Reports