Financial insights of NWFL

MyFinsight

For the quarter ending 2025-09-30, NWFL made $59,365K in revenue. $8,334K in net income. Net profit margin of 14.04%.

Income Overview

Revenue
$59,365K
Net Income
$8,334K
Net Profit Margin
14.04%
EPS
$0.89
Unit: Thousand (K) dollars
Revenue Breakdown
Loans receivable, including fees
Deposits
Salaries and employee benefits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2024-09-30
Other interest and dividend income	-	-	497
Loans receivable, including fees	28,141	27,115	25,464
Securities	3,907	3,871	2,526
Interest bearing deposits with other banks	144	220	-
Total interest income	32,192	31,206	28,487
Deposits	10,730	10,869	10,553
Short-term borrowings	105	211	323
Other borrowings	899	1,061	1,680
Total interest expense	11,734	12,141	12,556
Net interest income	20,458	19,065	15,931
(release of) provision for credit losses	-392	841	-
(release of) provision for off balance sheet commitments	-110	109	-
Total (release of) provision for credit losses	-502	950	1,345
Net interest income after (release of) provision for credit losses	20,960	18,115	14,586
Other income-Service Charges And Fees	1,660	-	-
Other income-Fiduciary And Trust	254	-	-
Other income-Service Charges And Fees	-	1,514	-
Revenue from contract with customer, excluding assessed tax	-	-	1,874
Gains on sales of loans, net	130	65	103
Other income-Fiduciary And Trust	-	226	-
Earnings and proceeds on bank owned life insurance	268	266	261
Other	193	177	158
Total other income	2,505	2,248	2,295
Salaries and employee benefits	6,696	6,605	6,239
Occupancy, furniture & equipment, net	1,361	1,349	1,269
Data processing and related operations	1,087	1,189	1,162
Taxes, other than income	192	192	179
Professional fees	968	623	576
Federal deposit insurance corporation insurance	368	355	-
Foreclosed real estate	1	137	9
Federal deposit insurance corporation premium expense (income)	-	-	339
Amortization of intangibles	12	15	16
Other	2,249	2,066	2,242
Total other expenses	12,934	12,531	12,031
Income before income taxes	10,531	7,832	4,850
Income tax expense	2,197	1,627	1,006
Net income	8,334	6,205	3,844

Basic eps weighted average shares outstanding	9,316,000	9,208,000	8,046,000
Earnings per share, basic	0.89	0.67	0.48
Earnings per share, diluted	0.89	0.67	0.48
Weighted average number of shares outstanding, diluted	9,317,000	9,210,000	8,052,000

MyFinsight

Income Overview

Revenue
$59,365K
Net Income
$8,334K
Net Profit Margin
14.04%
EPS
$0.89
Unit: Thousand (K) dollars
Revenue Breakdown
Loans receivable, including fees
Deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue
$59,365K
Net Income
$8,334K
Net Profit Margin
14.04%
EPS
$0.89
Unit: Thousand (K) dollars
Revenue Breakdown
Loans receivable, including fees
Deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$59,365KNet Income$8,334KNet Profit Margin14.04%EPS$0.89Unit: Thousand (K) dollarsRevenue BreakdownLoans receivable, including feesDepositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$59,365KNet Income$8,334KNet Profit Margin14.04%EPS$0.89Unit: Thousand (K) dollarsRevenue BreakdownLoans receivable, including feesDepositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$59,365K
Net Income
$8,334K
Net Profit Margin
14.04%
EPS
$0.89
Unit: Thousand (K) dollars
Revenue Breakdown
Loans receivable, including fees
Deposits
Salaries and employee benefits
Others

Revenue
$59,365K
Net Income
$8,334K
Net Profit Margin
14.04%
EPS
$0.89
Unit: Thousand (K) dollars
Revenue Breakdown
Loans receivable, including fees
Deposits
Salaries and employee benefits
Others