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Norwood Financial NWFL Q4 2025 Annual earnings

Reported January 22, 2026 · Before market open

Revenue$23.5MIn line
EPS$0.84Miss by $0.01
Revenue estimate$23.5M
EPS estimate$0.85

Next report

Oct 28, 2026 (in 3 months)
Revenue estimate$30.1M
EPS estimate$0.95

Financials

Q4 2025

Income statement

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Revenue$23.5M—
Net income$7.4M+159%
EPS (diluted)$0.79+150%

Balance sheet

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Cash & equivalents$44.4M-38.6%
Total debt$18.1M-91.7%
Total equity$242.2M+13.4%
Total assets$2.4B+4.6%

Cash flow

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Operating cash flow$8.8M+82.6%
CapEx$1.1M-26.8%
Free cash flow$7.7M+131%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$259.86M+3.4%
Enterprise value$233.54M-41.4%
P/E9.4×—
P/S3×-1.9×

Profitability

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Net margin31.6%+31.3pp
FCF margin33.3%-4.5pp

Returns & leverage

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Return on equity12.2%+12.1pp
Debt / equity0.1×-1.0×

Segments

By product

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Debit Card$592.0K+1.7%
Overdraft Fees$425.0K+18.4%
Loan Related Service Fees$306.0K+25.9%
Fiduciary Activities$228.0K+1.8%
Financial Service Other$198.0K+24.5%

FAQ

When did Norwood Financial report Q4 2025 earnings?
Norwood Financial (NWFL) reported Q4 2025 earnings on January 22, 2026 before market open.
What were Norwood Financial's Q4 2025 revenue and EPS?
Norwood Financial reported revenue of $23.5M and eps of $0.84 for Q4 2025.
Did Norwood Financial beat estimates in Q4 2025?
Revenue beat the consensus estimate of $23.5M by -. EPS missed the consensus estimate of $0.85 by $0.01.
How did Norwood Financial's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 98.7% from $11.8M a year earlier.
Where can I find Norwood Financial's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-018738) and the 10-K periodic report (0001013272-26-000003) directly on SEC EDGAR. The filing index links above go to sec.gov.