Is this a normal cowlick or am I balding? (Photo)

This needs an in-person evaluation. I suggest seeing a hair loss expert now to evaluate and go over your condition and provide you information about your best treatment options. There are great non-invasive options like prp/progesterone and/or hair transplantation. See an expert. Best, Dr. Emer

I would recommend that you see a hair loss expert. You will need a good history, examination including microscopic evaluation and Wood's light. Try to keep assessing  if there's any change in the amount of hairs that you see in the shower drain, tub or towel. You can also take photos.

It is difficult to get a sense of what is happening based on these photos. You would be wise to compare photos from earlier days and now to take photos every 5-6 months. If your dermatologist sees miniaturization or even a clear disruption of the normal follicular architecture, you would have balding.