Norwood Historical Income Statement

NWFL Stock

USD 30.35 0.94 3.00%

Historical analysis of Norwood Financial income statement accounts such as Total Revenue of 67.9 M can show how well Norwood Financial Corp performed in making a profits. Evaluating Norwood Financial income statement over time to spot trends is a great complementary tool to traditional technical analysis and can indicate the direction of Norwood Financial's future profits or losses.

Cash Flow Balance Sheet Income Statement

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Financial Statement Analysis is much more than just reviewing and examining Norwood Financial Corp latest accounting reports to predict its past. Macroaxis encourages investors to analyze financial statements over time for various trends across multiple indicators and accounts to determine whether Norwood Financial Corp is a good buy for the upcoming year.

Net Income Gross Profit

Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Norwood Financial Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

About Norwood Income Statement Analysis

Norwood Financial Corp Income Statement consists of revenues and expenses along with the resulting net income or loss. It represents the profit for the accounting period attributable to Norwood Financial shareholders. The income statement also shows Norwood investors and management if the firm made money during the period reported. The result of an income statement is the net income that is calculated after subtracting the expenses from revenue. It is essential to investors both as an absolute measure as well as earnings per share (i.e., EPS).

Norwood Financial Income Statement Chart

At this time, Norwood Financial's Total Operating Expenses is quite stable compared to the past year. Selling And Marketing Expenses is expected to rise to about 661.5 K this year, although the value of Operating Income will most likely fall to about 18.6 M.

Selling General Administrative Total Revenue Gross Profit Other Operating Expenses

Total Revenue

Total revenue comprises all receipts Norwood Financial Corp generated from the sale of its products or services. The total amount of income generated by the sale of goods or services related to the company's primary operations.

Gross Profit

Gross profit is a required income statement account that reflects total revenue of Norwood Financial Corp minus its cost of goods sold. It is profit before Norwood Financial operating expenses, interest payments and taxes. Gross profit is also known as gross margin. The profit a company makes after deducting the costs associated with making and selling its products, or the costs associated with providing its services.

Other Operating Expenses

Other Operating Expenses is the expense which generally does not depend on sales or production quantities of Norwood Financial Corp. It is also known as Norwood Financial overhead expenses. Typically these expenses include marketing, rent and utilities, office, leases, and other overhead cost. Expenses incurred from non-core business activities, including administrative and general expenses, but excluding costs directly related to production.

Most accounts from Norwood Financial's income statement are interrelated and interconnected. However, analyzing income statement accounts one by one will only give a small insight into Norwood Financial Corp current financial condition. On the other hand, looking into the entire matrix of income statement accounts, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Norwood Financial Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

	2021	2022	2023	2024 (projected)
Interest Expense	5.8M	7.3M	33.5M	35.1M
Depreciation And Amortization	1.6M	1.6M	1.5M	889.2K

Interest Expense Depreciation And Amortization

Norwood Financial income statement Correlations

	Depreciation And Amortization	Interest Expense	Selling General Administrative	Total Revenue	Gross Profit	Other Operating Expenses	Operating Income	Ebit	Ebitda	Total Operating Expenses	Income Before Tax	Total Other Income Expense Net	Net Income	Income Tax Expense	Selling And Marketing Expenses	Cost Of Revenue	Net Income From Continuing Ops	Non Recurring	Tax Provision	Net Interest Income	Interest Income	Reconciled Depreciation	Extraordinary Items
Depreciation And Amortization		0.31	0.55	0.61	0.61	0.33	0.54	0.52	0.57	0.21	0.61	0.0	0.62	0.42	0.66	-0.01	0.69	-0.2	0.47	0.71	0.68	-0.32	0.34
Interest Expense	0.31		0.64	0.48	0.48	0.91	0.11	0.13	0.15	0.91	0.13	-0.55	0.13	0.08	0.83	-0.07	0.41	-0.94	0.39	0.52	0.63	0.47	0.93
Selling General Administrative	0.55	0.64		0.97	0.97	0.72	0.68	0.73	0.74	0.38	0.76	-0.01	0.75	0.62	0.91	-0.27	0.83	-0.57	0.78	0.92	0.91	-0.11	0.55
Total Revenue	0.61	0.48	0.97		1.0	0.56	0.81	0.84	0.85	0.24	0.87	0.08	0.86	0.73	0.85	-0.3	0.87	-0.42	0.8	0.93	0.89	-0.29	0.41
Gross Profit	0.61	0.48	0.97	1.0		0.56	0.81	0.84	0.85	0.24	0.87	0.08	0.86	0.73	0.85	-0.3	0.87	-0.42	0.8	0.93	0.89	-0.29	0.41
Other Operating Expenses	0.33	0.91	0.72	0.56	0.56		0.05	0.12	0.14	0.68	0.15	-0.3	0.16	0.1	0.8	-0.21	0.38	-0.86	0.39	0.54	0.63	0.47	0.85
Operating Income	0.54	0.11	0.68	0.81	0.81	0.05		0.99	0.99	0.03	0.96	0.17	0.94	0.85	0.57	-0.06	0.89	-0.03	0.8	0.82	0.72	-0.7	0.06
Ebit	0.52	0.13	0.73	0.84	0.84	0.12	0.99		1.0	0.01	0.97	0.23	0.95	0.86	0.58	-0.09	0.9	-0.05	0.81	0.84	0.75	-0.68	0.09
Ebitda	0.57	0.15	0.74	0.85	0.85	0.14	0.99	1.0		0.02	0.97	0.22	0.95	0.85	0.61	-0.08	0.91	-0.06	0.82	0.86	0.77	-0.67	0.11
Total Operating Expenses	0.21	0.91	0.38	0.24	0.24	0.68	0.03	0.01	0.02		-0.04	-0.75	-0.05	-0.02	0.67	-0.01	0.25	-0.88	0.27	0.31	0.42	0.43	0.88
Income Before Tax	0.61	0.13	0.76	0.87	0.87	0.15	0.96	0.97	0.97	-0.04		0.31	0.99	0.84	0.59	-0.12	0.93	0.01	0.79	0.88	0.81	-0.65	0.12
Total Other Income Expense Net	0.0	-0.55	-0.01	0.08	0.08	-0.3	0.17	0.23	0.22	-0.75	0.31		0.33	0.17	-0.27	0.09	0.14	0.56	0.0	0.07	-0.04	-0.6	-0.57
Net Income	0.62	0.13	0.75	0.86	0.86	0.16	0.94	0.95	0.95	-0.05	0.99	0.33		0.76	0.59	-0.08	0.94	0.01	0.73	0.88	0.81	-0.64	0.12
Income Tax Expense	0.42	0.08	0.62	0.73	0.73	0.1	0.85	0.86	0.85	-0.02	0.84	0.17	0.76		0.49	-0.26	0.7	0.0	0.91	0.71	0.64	-0.56	0.1
Selling And Marketing Expenses	0.66	0.83	0.91	0.85	0.85	0.8	0.57	0.58	0.61	0.67	0.59	-0.27	0.59	0.49		-0.13	0.77	-0.76	0.73	0.87	0.89	0.0	0.75
Cost Of Revenue	-0.01	-0.07	-0.27	-0.3	-0.3	-0.21	-0.06	-0.09	-0.08	-0.01	-0.12	0.09	-0.08	-0.26	-0.13		0.03	0.16	-0.09	-0.01	-0.03	-0.13	-0.14
Net Income From Continuing Ops	0.69	0.41	0.83	0.87	0.87	0.38	0.89	0.9	0.91	0.25	0.93	0.14	0.94	0.7	0.77	0.03		-0.24	0.79	0.96	0.93	-0.49	0.38
Non Recurring	-0.2	-0.94	-0.57	-0.42	-0.42	-0.86	-0.03	-0.05	-0.06	-0.88	0.01	0.56	0.01	0.0	-0.76	0.16	-0.24		-0.3	-0.37	-0.44	-0.48	-0.8
Tax Provision	0.47	0.39	0.78	0.8	0.8	0.39	0.8	0.81	0.82	0.27	0.79	0.0	0.73	0.91	0.73	-0.09	0.79	-0.3		0.85	0.81	-0.38	0.37
Net Interest Income	0.71	0.52	0.92	0.93	0.93	0.54	0.82	0.84	0.86	0.31	0.88	0.07	0.88	0.71	0.87	-0.01	0.96	-0.37	0.85		0.98	-0.35	0.47
Interest Income	0.68	0.63	0.91	0.89	0.89	0.63	0.72	0.75	0.77	0.42	0.81	-0.04	0.81	0.64	0.89	-0.03	0.93	-0.44	0.81	0.98		-0.19	0.63
Reconciled Depreciation	-0.32	0.47	-0.11	-0.29	-0.29	0.47	-0.7	-0.68	-0.67	0.43	-0.65	-0.6	-0.64	-0.56	0.0	-0.13	-0.49	-0.48	-0.38	-0.35	-0.19		0.46
Extraordinary Items	0.34	0.93	0.55	0.41	0.41	0.85	0.06	0.09	0.11	0.88	0.12	-0.57	0.12	0.1	0.75	-0.14	0.38	-0.8	0.37	0.47	0.63	0.46

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Norwood Financial Account Relationship Matchups

Norwood Financial income statement Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Depreciation And Amortization	101K	1.4M	1.6M	1.6M	1.5M	889.2K
Interest Expense	8.7M	8.0M	5.8M	7.3M	33.5M	35.1M
Selling General Administrative	16.7M	20.0M	23.7M	22.7M	24.6M	25.8M
Total Revenue	45.4M	58.3M	73.6M	78.3M	64.6M	67.9M
Gross Profit	45.4M	58.3M	73.6M	78.3M	64.6M	67.9M
Other Operating Expenses	28.6M	39.9M	42.8M	2.2M	82.4M	86.5M
Operating Income	16.8M	18.4M	30.9M	43.7M	21.1M	18.6M
Ebit	16.8M	18.4M	30.9M	36.4M	21.1M	18.4M
Ebitda	16.9M	19.8M	32.5M	38.0M	22.6M	19.3M
Total Operating Expenses	(28.6M)	(39.9M)	(42.8M)	2.2M	70.2M	73.7M
Income Before Tax	16.8M	18.4M	30.9M	36.4M	21.1M	12.0M
Total Other Income Expense Net	16.8M	(2.0M)	30.9M	(7.3M)	(22.6M)	(21.5M)
Net Income	14.2M	15.1M	24.9M	29.2M	16.8M	9.1M
Income Tax Expense	2.6M	3.3M	5.9M	7.2M	4.4M	2.9M
Selling And Marketing Expenses	267K	385K	473K	516K	630K	661.5K
Net Income Applicable To Common Shares	14.2M	15.1M	24.9M	29.2M	33.6M	35.3M
Net Income From Continuing Ops	14.2M	15.1M	24.9M	29.2M	23.5M	14.7M
Tax Provision	2.6M	3.3M	5.9M	7.2M	5.7M	4.6M
Net Interest Income	38.6M	50.5M	65.3M	68.4M	64.0M	50.3M
Interest Income	47.3M	58.5M	71.1M	75.7M	89.9M	59.1M
Reconciled Depreciation	1.1M	1.4M	123K	101K	1.5M	1.6M

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When determining whether Norwood Financial Corp is a strong investment it is important to analyze Norwood Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Norwood Financial's future performance. For an informed investment choice regarding Norwood Stock, refer to the following important reports:

How To Invest In Norwood

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Is Norwood Stock a good investment?

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What is Norwood Financial's Net Worth?

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You can also try the Theme Ratings module to determine theme ratings based on digital equity recommendations. Macroaxis theme ratings are based on combination of fundamental analysis and risk-adjusted market performance.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Norwood Financial. If investors know Norwood will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Norwood Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.06)

Dividend Share

1.2

Earnings Share

1.59

Revenue Per Share

7.741

Quarterly Revenue Growth

0.025

The market value of Norwood Financial Corp is measured differently than its book value, which is the value of Norwood that is recorded on the company's balance sheet. Investors also form their own opinion of Norwood Financial's value that differs from its market value or its book value, called intrinsic value, which is Norwood Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Norwood Financial's market value can be influenced by many factors that don't directly affect Norwood Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Norwood Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Norwood Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Norwood Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Norwood Historical Income Statement

About Norwood Income Statement Analysis

Norwood Financial Income Statement Chart

Total Revenue

Gross Profit

Other Operating Expenses

Norwood Financial income statement Correlations

Norwood Financial Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Norwood Financial income statement Accounts

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Gross Profit	+ 1.0	Total Revenue
Ebitda	+ 1.0	Ebit
Ebit	+ 0.99	Operating Income
Ebitda	+ 0.99	Operating Income
Net Income	+ 0.99	Income Before Tax
Interest Income	+ 0.98	Net Interest Income

Non Recurring	- 0.94	Interest Expense
Non Recurring	- 0.88	Total Operating Expenses
Non Recurring	- 0.86	Other Operating Expenses
Extraordinary Items	- 0.8	Non Recurring
Non Recurring	- 0.76	Selling And Marketing Expenses
Total Other Income Expense Net	- 0.75	Total Operating Expenses