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Norwood Financial NWFL Q1 2025 earnings

Reported April 17, 2025 · Before market open

Revenue$20.2MMiss by $955.0K
EPS$0.63Beat by $0.07
Revenue estimate$21.2M
EPS estimate$0.56

Next report

Date not yet announced

Financials

Q1 2025

Income statement

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Revenue$20.2M+20.9%
Net income$5.8M+30.2%
EPS (diluted)$0.63+14.5%

Balance sheet

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Cash & equivalents$75.4M-32.7%
Total debt$118.7M-44.8%
Total equity$220.7M+21.8%
Total assets$2.4B+5.1%

Cash flow

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Operating cash flow$9.1M+114%
CapEx$932.0K+68.2%
Free cash flow$8.2M+121%

Valuation & ratios

Valuation

as of 03/31/25
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Market cap$223.88M+2.1%
Enterprise value$267.17M-17.1%
P/E189.9×+176×
P/S4×+0.8×

Profitability

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Net margin2.1%-20.2pp
FCF margin43.5%+11.4pp

Returns & leverage

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Return on equity0.6%-8.0pp
Debt / equity0.5×-0.6×

Segments

By product

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Debit Card$589.0K+12.0%
Overdraft Fees$363.0K+2.3%
Fiduciary Activities$325.0K+36.6%
Financial Service Other$180.0K+19.2%
Loan Related Service Fees$148.0K+13.0%

FAQ

When did Norwood Financial report Q1 2025 earnings?
Norwood Financial (NWFL) reported Q1 2025 earnings on April 17, 2025 before market open.
What were Norwood Financial's Q1 2025 revenue and EPS?
Norwood Financial reported revenue of $20.2M and eps of $0.63 for Q1 2025.
Did Norwood Financial beat estimates in Q1 2025?
Revenue missed the consensus estimate of $21.2M by $955.0K. EPS beat the consensus estimate of $0.56 by $0.07.
Where can I find Norwood Financial's Q1 2025 SEC filings?
You can read the 8-K earnings release (0001193125-25-083659) and the 10-Q periodic report (0001562762-25-000120) directly on SEC EDGAR. The filing index links above go to sec.gov.