NORWOOD FINANCIAL CORPNWFLEarnings & Financial Report
First Financial Bancorp is a regional bank headquartered in Cincinnati, Ohio, with its operations centers in the northern Cincinnati suburb of Springdale, and Greensburg, Indiana. Founded in 1863, First Financial has the sixth oldest national bank charter and has 131 locations throughout Ohio, Indiana, Kentucky, and Illinois. First Financial acquired Irwin Financial Corp and its subsidiaries through a government assisted transaction on September 18, 2009.
NWFL Q4 FY2025 Key Financial Metrics
Revenue
$23.5M
Gross Profit
N/A
Operating Profit
$9.4M
Net Profit
$7.4M
Gross Margin
N/A
Operating Margin
39.9%
Net Margin
31.7%
YoY Growth
1112.9%
EPS
$0.82
NORWOOD FINANCIAL CORP Q4 FY2025 Financial Summary
NORWOOD FINANCIAL CORP reported revenue of $23.5M (up 1112.9% YoY) for Q4 FY2025, with a net profit of $7.4M (up 158.8% YoY) (31.7% margin).
Key Financial Metrics
| Total Revenue | $23.5M |
|---|---|
| Net Profit | $7.4M |
| Gross Margin | N/A |
| Operating Margin | 39.9% |
| Report Period | Q4 FY2025 |
NORWOOD FINANCIAL CORP Annual Revenue by Year
NORWOOD FINANCIAL CORP annual revenue history includes year-by-year totals (for example, 2025 revenue was $87.9M).
NORWOOD FINANCIAL CORP Quarterly Revenue & Net Profit History
NORWOOD FINANCIAL CORP results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $23.5M | +1112.9% | $7.4M | 31.7% |
| Q3 FY2025 | $23.0M | +26.0% | $8.3M | 36.3% |
| Q2 FY2025 | $21.3M | +24.4% | $6.2M | 29.1% |
| Q1 FY2025 | $20.2M | +20.9% | $5.8M | 28.6% |
| Q4 FY2024 | $1.9M | -88.9% | $-12.7M | -654.1% |
| Q3 FY2024 | $18.2M | +5.1% | $3.8M | 21.1% |
| Q2 FY2024 | $17.1M | -1.7% | $4.2M | 24.6% |
| Q1 FY2024 | $16.7M | -7.2% | $4.4M | 26.5% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $16.7M | $17.1M | $18.2M | $1.9M | $20.2M | $21.3M | $23.0M | $23.5M |
| YoY Growth | -7.2% | -1.7% | 5.1% | -88.9% | 20.9% | 24.4% | 26.0% | 1112.9% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $2.26B | $2.24B | $2.28B | $2.32B | $2.38B | $2.37B | $2.41B | $2.42B |
| Liabilities | $2.08B | $2.05B | $2.08B | $2.10B | $2.16B | $2.14B | $2.18B | $2.18B |
| Equity | $181.2M | $182.2M | $195.7M | $213.5M | $220.7M | $225.4M | $234.9M | $242.2M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $4.3M | $9.1M | $4.6M | $22.8M | $9.1M | $6.8M | $9.3M | $34.0M |