NWFL · Norwood Financial Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.28M | - | $2.04M | $1.87M | $1.98M | - | $1.87M | $1.88M | $1.71M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $4.82M | - | $10.53M | $7.83M | $7.29M | - | $4.85M | $5.34M | $5.61M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $12.23M | - |
| Income Tax | $1.09M | - | $2.20M | $1.63M | $1.51M | - | $1.01M | $1.13M | $1.18M | - |
| Net Income | $3.73M | - | $8.33M | $6.21M | $5.77M | - | $3.84M | $4.21M | $4.43M | - |
| EPS - Basic | $0.35 | - | $0.89 | $0.67 | $0.63 | - | $0.48 | $0.52 | $0.55 | - |
| EPS - Diluted | $0.35 | - | $0.89 | $0.67 | $0.63 | - | $0.48 | $0.52 | $0.55 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $102.57M | $44.44M | $74.73M | $53.05M | $75.41M | $72.34M | $82.88M | $69.39M | $111.96M | $66.12M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $2.92B | $2.42B | $2.41B | $2.37B | $2.38B | $2.32B | $2.28B | $2.24B | $2.26B | $2.20B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $2.63B | $2.18B | $2.18B | $2.14B | $2.16B | $2.10B | $2.08B | $2.05B | $2.08B | $2.02B |
| Stockholders' Equity | $283.94M | $242.16M | $234.91M | $225.43M | $220.71M | $213.51M | $195.65M | $182.19M | $181.21M | $181.07M |
| Retained Earnings | $140.84M | $141.13M | $136.66M | $131.20M | $127.86M | $152.96M | $140.49M | $139.07M | $137.28M | $135.28M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $6.00M | - | - | - | $9.10M | - | - | - | $4.25M | - |
| Investing Cash Flow | $11.21M | - | - | - | ($51.82M) | - | - | - | ($12.74M) | - |
| Financing Cash Flow | $40.93M | - | - | - | $45.79M | - | - | - | $54.33M | - |
| CapEx | $455.0K | - | - | - | $932.0K | - | - | - | $554.0K | - |
| Free Cash Flow | $5.54M | - | - | - | $8.17M | - | - | - | $3.70M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 211.8% | - | 515.7% | 419.0% | 368.2% | - | 258.8% | 284.1% | 327.8% | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | 163.9% | - | 408.1% | 332.0% | 291.7% | - | 205.1% | 224.1% | 259.1% | - |
| Free cash flow margin | 243.5% | - | - | - | 412.6% | - | - | - | 216.1% | - |
| FCF / Net income | 1.49 | - | - | - | 1.41 | - | - | - | 0.83 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 22.6% | - | 20.9% | 20.8% | 20.8% | - | 20.7% | 21.1% | 21.0% | - |
| Return on assets | 0.1% | - | 0.3% | 0.3% | 0.2% | - | 0.2% | 0.2% | 0.2% | - |
| Return on equity | 1.3% | - | 3.5% | 2.8% | 2.6% | - | 2.0% | 2.3% | 2.4% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 0.5x | - |
| Equity multiplier | 10.27 | 10.01 | 10.27 | 10.49 | 10.77 | 10.85 | 11.65 | 12.27 | 12.47 | 12.16 |
| Liabilities / Assets | 0.90 | 0.90 | 0.90 | 0.90 | 0.91 | 0.91 | 0.91 | 0.92 | 0.92 | 0.92 |
| Efficiency | ||||||||||
| Asset turnover | 0.00 | - | 0.00 | 0.00 | 0.00 | - | 0.00 | 0.00 | 0.00 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 84.1x | - | 28.6x | 38.5x | 38.4x | - | 57.5x | 48.8x | 49.5x | - |
| P / B | 1.1x | - | 1.0x | 1.1x | 1.0x | - | 1.1x | 1.1x | 1.2x | - |
| P / S | 139.3x | - | 116.0x | 127.0x | 112.6x | - | 118.5x | 108.6x | 128.3x | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 15.0% | - | 9.0% | -0.6% | 15.7% | - | -2.5% | 8.9% | 2.0% | - |
| Revenue CAGR (3y) | 10.7% | - | 2.7% | -2.6% | -14.3% | - | 0.9% | 0.9% | 3.6% | - |
| Revenue CAGR (5y) | 8.1% | - | 4.9% | 10.8% | 8.3% | - | 5.1% | 5.7% | 6.2% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | -33.9% | - | 117.1% | 46.6% | 29.9% | - | -6.5% | -35.2% | -22.9% | - |
| Net income growth (YoY) | -35.4% | - | 116.8% | 47.3% | 30.2% | - | -6.7% | -35.2% | -23.3% | - |
| EPS growth (YoY) | -44.4% | - | 85.4% | 28.8% | 14.5% | - | -5.9% | -35.8% | -22.5% | - |
| EPS CAGR (3y) | -21.0% | - | -3.8% | -7.3% | -10.2% | - | -17.3% | -9.4% | -6.4% | - |
| EPS CAGR (5y) | -12.2% | - | 7.5% | 22.8% | 5.2% | - | -5.0% | -1.5% | 1.5% | - |
| FCF growth (YoY) | -32.1% | - | - | - | 120.9% | - | - | - | -63.1% | - |
| FCF CAGR (5y) | -5.4% | - | - | - | 13.1% | - | - | - | -0.1% | - |
| Book value growth (YoY) | 28.6% | 13.4% | 20.1% | 23.7% | 21.8% | 17.9% | 18.8% | 5.1% | 2.7% | 8.4% |
Peer comparison
Same SIC group: State Commercial Banks
Comparing NORWOOD FINANCIAL CORP against the 5 most active filers in the same SIC group.
Dividends
$1.26/share trailing 12 months · +3.3% YoY
| Ex-date | Per share |
|---|---|
| Apr 15, 2026 | $0.3200 |
| Jan 15, 2026 | $0.3200 |
| Oct 15, 2025 | $0.3100 |
| Jul 15, 2025 | $0.3100 |
| Apr 15, 2025 | $0.3100 |
| Jan 15, 2025 | $0.3100 |
| Oct 18, 2024 | $0.3000 |
| Jul 15, 2024 | $0.3000 |
| Apr 12, 2024 | $0.3000 |
| Jan 11, 2024 | $0.3000 |
| Oct 12, 2023 | $0.2900 |
| Jul 13, 2023 | $0.2900 |
| Apr 13, 2023 | $0.2900 |
| Jan 12, 2023 | $0.2900 |
| Oct 13, 2022 | $0.2800 |
| Jul 14, 2022 | $0.2800 |
| Apr 13, 2022 | $0.2800 |
| Jan 13, 2022 | $0.2800 |
| Oct 14, 2021 | $0.2600 |
| Jul 14, 2021 | $0.2600 |
| Apr 14, 2021 | $0.2600 |
| Jan 14, 2021 | $0.2600 |
| Oct 14, 2020 | $0.2500 |
| Jul 16, 2020 | $0.2500 |