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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $8.00M | $7.40M | $7.14M | $8.76M | $6.99M | $6.21M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - |
| Operating Income | $35.02M | ($258.0K) | $21.15M | $36.38M | $18.37M | $18.37M |
| Interest Expense | - | - | $33.47M | $7.27M | $5.76M | $7.98M |
| Income Tax | $7.26M | ($98.0K) | $4.39M | $7.15M | $5.95M | $3.29M |
| Net Income | $27.75M | ($160.0K) | $16.76M | $29.23M | $24.91M | $15.08M |
| EPS - Basic | $3.01 | ($0.02) | $2.08 | $3.59 | $3.05 | $2.09 |
| EPS - Diluted | $3.01 | ($0.02) | $2.07 | $3.58 | $3.04 | $2.09 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $44.44M | $72.34M | $66.12M | $31.87M | $206.68M | $111.69M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $2.42B | $2.32B | $2.20B | $2.05B | $2.07B | $1.85B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $2.18B | $2.10B | $2.02B | $1.88B | $1.86B | $1.66B |
| Stockholders' Equity | $242.16M | $213.51M | $181.07M | $167.09M | $205.26M | $44.80M |
| Retained Earnings | $141.13M | $152.96M | $135.28M | $130.02M | $110.02M | $93.80M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $33.97M | $22.81M | $29.82M | $30.73M | $29.20M | $13.80M |
| Investing Cash Flow | ($128.95M) | ($115.20M) | ($116.57M) | ($207.99M) | ($130.96M) | ($61.36M) |
| Financing Cash Flow | $67.08M | $98.62M | $121.00M | $2.44M | $196.75M | $143.84M |
| CapEx | $4.72M | $3.13M | $1.41M | $2.15M | $1.26M | $749.0K |
| Free Cash Flow | $29.25M | $19.68M | $28.41M | $28.58M | $27.94M | $13.05M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 437.8% | -3.5% | 296.3% | 415.3% | 262.9% | 295.8% |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | 347.0% | -2.2% | 234.9% | 333.7% | 356.7% | 242.9% |
| Free cash flow margin | 365.6% | 266.0% | 398.2% | 326.2% | 400.0% | 210.1% |
| FCF / Net income | 1.05 | -123.00 | 1.70 | 0.98 | 1.12 | 0.87 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 20.7% | - | 20.7% | 19.7% | 19.3% | 17.9% |
| Return on assets | 1.1% | -0.0% | 0.8% | 1.4% | 1.2% | 0.8% |
| Return on equity | 11.5% | -0.1% | 9.3% | 17.5% | 12.1% | 33.7% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 0.6x | 5.0x | 3.2x | 2.3x |
| Equity multiplier | 10.01 | 10.85 | 12.16 | 12.25 | 10.08 | 41.33 |
| Liabilities / Assets | 0.90 | 0.91 | 0.92 | 0.92 | 0.90 | 0.89 |
| Efficiency | ||||||
| Asset turnover | 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 | 9.3x | - | 15.9x | 9.3x | 8.5x | 12.5x |
| P / B | 1.1x | 1.0x | 1.5x | 1.6x | 1.0x | 4.2x |
| P / S | 32.4x | 29.8x | 37.3x | 31.2x | 30.5x | 30.5x |
| EV / EBITDA | - | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | 8.1% | 3.7% | -18.5% | 25.4% | 12.5% | 14.0% |
| Revenue CAGR (3y) | -3.0% | 1.9% | 4.7% | 17.2% | 7.2% | - |
| Revenue CAGR (5y) | 5.2% | 6.3% | 4.7% | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | - | - | -41.9% | 98.1% | 0.0% | 9.2% |
| Net income growth (YoY) | - | - | -42.7% | 17.3% | 65.2% | 6.1% |
| EPS growth (YoY) | - | - | -42.2% | 17.8% | 45.5% | -7.1% |
| EPS CAGR (3y) | -5.6% | - | -0.3% | 16.7% | 11.9% | 16.8% |
| EPS CAGR (5y) | 7.6% | - | -0.9% | 22.3% | 11.9% | 5.5% |
| FCF growth (YoY) | 48.6% | -30.7% | -0.6% | 2.3% | 114.1% | -22.4% |
| FCF CAGR (5y) | 17.5% | 3.2% | 13.4% | 14.7% | 20.9% | 1.0% |
| Book value growth (YoY) | 13.4% | 17.9% | 8.4% | -18.6% | 358.1% | -67.4% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- ✓Asset turnover improved
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 |