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Norwood Financial NWFL Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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Other financials

Income statement

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Revenue$27.3M+34.9%
Net income$3.7M-35.4%
EPS (diluted)$0.35-44.4%

Balance sheet

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Cash & equivalents$102.6M+36.0%
Total debt$18.1M-91.7%
Total equity$283.9M+28.6%
Total assets$2.9B+22.8%

Cash flow

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Operating cash flow$6.0M-34.1%
CapEx$455.0K-51.2%
Free cash flow$5.5M-32.1%

Valuation

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Market cap$371.74M+67.1%
P/E14.5×-55.7×
P/S3.9×+0.2×

Profitability

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Net margin27.1%+24.9pp
FCF margin28%-15.4pp

Returns & leverage

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Return on equity10.2%+9.6pp
Debt / equity0.1×-1.0×

Where this comes from

Reported directly by Norwood Financial in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: Norwood Financial’s 10-Q, filed May 8, 2026.

Filed
May 8, 2026, 8:55 AM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001013272-26-000005
Line itemThree Months Ended / March 31, 2026Three Months Ended / March 31, 2025
(Release of) off balance sheet commitments(46)(66)
Total provision for credit losses1,459857
NET INTEREST INCOME AFTER
PROVISION FOR CREDIT LOSSES23,09517,000
OTHER INCOME
Service charges and fees1,7551,513
Income from fiduciary activities238325
Gains on sales of loans, net7647

Item 1. Financial Statements Item 1. Financial Statements (unaudited)

FAQ

What is Norwood Financial's net interest income (after provisions)?
Norwood Financial (NWFL) reported net interest income (after provisions) of $23.1M in Q1 2026.
How has Norwood Financial's net interest income (after provisions) changed year-over-year?
Norwood Financial's net interest income (after provisions) increased by 35.9% year-over-year, from $17M to $23.1M.
What is the long-term trend for Norwood Financial's net interest income (after provisions)?
Over 4 years (2021 to 2025), Norwood Financial's net interest income (after provisions) has grown at a 5.8% compound annual growth rate (CAGR), from $61.11M to $76.55M.
What does net interest income (after provisions) mean?
Net interest income adjusted for the provision for credit losses, representing the net revenue available after accounting for the expected risk of loan defaults. This metric provides a clearer view of the bank's profitability after considering the credit quality of its assets.

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