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Norwood Financial (NWFL) Financials

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$35.90 -0.09 (-0.24%)
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Annual Income Statements for Norwood Financial

Annual Income Statements for Norwood Financial

This table shows Norwood Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 5.91 6.71 8.20 25 15 21 25 29 17 -0.16 28
Consolidated Net Income / (Loss)		 5.91 6.71 8.20 14 14 15 25 29 17 -0.16 28
Net Income / (Loss) Continuing Operations		 5.91 6.71 8.20 25 15 21 25 29 17 -0.16 28
Total Pre-Tax Income 		7.54 8.60 15 16 17 18 31 36 21 -0.26 35
Total Revenue		 29 34 42 55 46 64 74 78 70 51 88
Net Interest Income / (Expense)		 25 29 35 37 39 50 65 68 62 62 78
Total Interest Income		 28 32 39 42 47 58 71 76 96 113 127
Loans and Leases Interest Income		 24 28 33 36 42 54 65 66 85 99 110
Investment Securities Interest Income		 3.76 4.59 6.42 6.02 5.31 4.34 5.55 9.05 9.92 10 16
Deposits and Money Market Investments Interest Income		 - - - - 0.08 0.07 0.27 0.60 0.41 2.77 1.06
Total Interest Expense		 3.26 3.65 4.08 5.66 8.68 7.98 5.76 7.27 33 50 48
Deposits Interest Expense		 2.42 2.60 3.38 4.64 7.14 6.61 4.76 6.47 26 42 44
Short-Term Borrowings Interest Expense		 0.09 0.13 0.20 0.32 0.47 0.33 0.28 0.52 3.05 1.36 0.80
Long-Term Debt Interest Expense		 0.75 0.92 0.50 0.69 1.07 1.04 0.72 0.27 4.40 6.69 3.73
Total Non-Interest Income		 4.70 5.18 6.91 7.07 6.78 7.78 8.36 9.93 8.12 -11 9.62
Other Service Charges		 2.87 3.50 5.36 5.71 5.91 13 7.70 8.41 7.18 7.53 8.20
Net Realized & Unrealized Capital Gains on Investments		 0.73 0.34 0.42 0.23 0.42 0.60 0.23 0.01 -0.15 -20 0.33
Other Non-Interest Income		 0.67 0.89 1.13 1.13 0.83 0.85 0.94 1.09 1.01 1.06 1.09
Provision for Credit Losses		 4.58 2.05 2.20 1.73 1.25 5.45 4.20 0.90 5.55 2.67 1.77
Total Non-Interest Expense		 17 23 25 26 27 34 39 41 43 49 51
Salaries and Employee Benefits		 8.54 11 13 14 15 17 21 22 24 25 27
Net Occupancy & Equipment Expense		 3.03 3.96 4.71 5.12 5.59 6.61 7.24 7.92 8.43 9.57 10
Marketing Expense		 0.24 0.28 0.27 0.26 0.27 0.39 0.47 0.52 0.63 0.93 0.74
Other Operating Expenses		 4.78 5.61 6.51 6.10 6.70 8.17 10 10 11 13 12
Amortization Expense		 0.11 0.12 0.15 0.13 0.10 0.11 0.12 0.10 0.09 0.07 0.05
Restructuring Charge		 - 1.81 - - 0.00 2.05 - - - 0.00 1.24
Income Tax Expense		 1.63 1.88 6.55 2.55 2.61 3.29 5.95 7.15 4.39 -0.10 7.26
Basic Earnings per Share		 $1.07 $1.16 $1.32 $2.19 $2.27 $2.09 $3.05 $3.59 $2.08 ($0.02) $3.01
Weighted Average Basic Shares Outstanding		 3.67M 4.16M 6.26M 6.30M 6.33M 8.23M 8.20M 8.18M 8.11M 9.26M 10.89M
Diluted Earnings per Share		 $1.07 $1.15 $1.31 $2.17 $2.25 $2.09 $3.04 $3.58 $2.07 ($0.02) $3.01
Weighted Average Diluted Shares Outstanding		 3.67M 4.16M 6.26M 6.30M 6.33M 8.23M 8.20M 8.18M 8.11M 9.26M 10.89M
Weighted Average Basic & Diluted Shares Outstanding		 3.67M 4.16M 6.26M 6.30M 6.33M 8.23M 8.20M 8.18M 8.11M 9.26M 10.89M
Cash Dividends to Common per Share		 $1.24 $1.25 $0.87 $0.90 $0.97 $1.01 $1.06 $1.13 $1.13 $1.21 $1.25

Quarterly Income Statements for Norwood Financial

This table shows Norwood Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 9/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 4.43 4.21 3.84 -13 5.77 6.21 8.33 7.44 3.73 9.33 12
Consolidated Net Income / (Loss)		 4.43 4.21 3.84 -13 5.77 6.21 8.33 7.44 3.73 9.33 12
Net Income / (Loss) Continuing Operations		 4.43 4.21 3.84 -13 5.77 6.21 8.33 7.44 3.73 9.33 12
Total Pre-Tax Income 		5.61 5.34 4.85 -16 7.29 7.83 11 9.37 4.82 12 15
Total Revenue		 17 17 18 -1.03 20 21 23 23 27 29 31
Net Interest Income / (Expense)		 15 15 16 17 18 19 20 21 25 27 28
Total Interest Income		 27 28 28 29 30 31 32 33 38 40 41
Loans and Leases Interest Income		 24 24 25 26 26 27 28 29 34 36 37
Investment Securities Interest Income		 2.53 2.58 2.53 2.79 3.87 3.87 3.91 3.91 4.11 4.50 4.47
Deposits and Money Market Investments Interest Income		 0.73 0.97 0.50 - 0.23 0.22 0.14 0.47 0.40 0.38 0.35
Total Interest Expense		 12 13 13 13 12 12 12 12 14 14 13
Deposits Interest Expense		 10 11 11 11 11 11 11 11 13 13 13
Short-Term Borrowings Interest Expense		 0.34 0.36 0.32 0.35 0.46 0.21 0.11 0.02 0.06 0.03 0.04
Long-Term Debt Interest Expense		 1.78 1.70 1.68 1.53 1.02 1.06 0.90 0.74 0.98 0.69 0.64
Total Non-Interest Income		 2.01 2.21 2.30 -18 2.35 2.25 2.51 2.51 2.72 2.53 2.92
Other Service Charges		 1.73 1.92 1.93 1.95 2.02 1.92 2.11 2.16 2.33 2.15 2.53
Net Realized & Unrealized Capital Gains on Investments		 0.01 0.04 0.10 -20 0.05 0.07 0.13 0.08 0.08 0.05 0.06
Other Non-Interest Income		 0.27 0.25 0.26 0.27 0.29 0.27 0.27 0.27 0.31 0.33 0.33
Provision for Credit Losses		 -0.62 0.35 1.35 1.61 0.86 0.95 -0.50 0.47 1.46 1.94 0.10
Total Non-Interest Expense		 12 11 12 13 12 13 13 14 21 16 16
Salaries and Employee Benefits		 6.14 5.95 6.24 6.69 6.47 6.61 6.70 7.16 8.55 8.67 8.27
Net Occupancy & Equipment Expense		 2.28 2.25 2.43 2.60 2.46 2.54 2.45 2.59 3.16 3.15 3.17
Property & Liability Insurance Claims		 0.36 0.31 0.34 - 0.41 0.36 0.37 - 0.51 0.43 0.64
Other Operating Expenses		 2.93 2.91 3.01 3.18 2.71 3.02 2.84 3.01 3.67 3.33 3.31
Amortization Expense		 0.02 0.02 0.02 0.02 0.02 0.02 0.01 0.01 0.17 0.17 0.16
Restructuring Charge		 - - - - 0.00 0.00 0.57 - 4.94 0.05 0.00
Income Tax Expense		 1.18 1.13 1.01 -3.41 1.51 1.63 2.20 1.93 1.09 2.30 3.51
Basic Earnings per Share		 $0.55 $0.52 $0.48 ($1.57) $0.63 $0.67 $0.89 $0.82 $0.35 $0.86 $1.08
Weighted Average Basic Shares Outstanding		 8.10M 8.09M 8.09M 9.26M 9.26M 9.26M 9.26M 10.89M 10.89M 10.90M 10.92M
Diluted Earnings per Share		 $0.55 $0.52 $0.48 ($1.57) $0.63 $0.67 $0.89 $0.82 $0.35 $0.86 $1.08
Weighted Average Diluted Shares Outstanding		 8.10M 8.09M 8.09M 9.26M 9.26M 9.26M 9.26M 10.89M 10.89M 10.90M 10.92M
Weighted Average Basic & Diluted Shares Outstanding		 8.10M 8.09M 8.09M 9.26M 9.26M 9.26M 9.26M 10.89M 10.89M 10.90M 10.92M

Annual Cash Flow Statements for Norwood Financial

This table details how cash moves in and out of Norwood Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -2.38 7.16 -0.48 1.65 -2.93 96 95 -175 34 6.22 -28
Net Cash From Operating Activities		 10 11 16 17 18 14 29 31 30 23 34
Net Cash From Continuing Operating Activities		 10 11 16 17 18 14 29 31 30 23 34
Net Income / (Loss) Continuing Operations		 5.91 6.71 8.20 14 14 15 25 29 17 -0.16 28
Consolidated Net Income / (Loss)		 5.91 6.71 8.20 14 14 15 25 29 17 -0.16 28
Provision For Loan Losses		 4.58 2.05 2.20 1.73 1.25 5.45 4.20 0.90 5.55 2.67 1.77
Depreciation Expense		 0.55 0.73 0.92 0.90 1.01 1.32 1.48 1.47 1.38 1.31 1.42
Amortization Expense		 1.04 1.77 2.27 1.84 1.55 1.36 -1.85 1.19 1.53 1.31 0.19
Non-Cash Adjustments to Reconcile Net Income		 -1.13 -0.26 2.19 -0.85 0.26 0.60 -0.76 -0.41 0.64 19 -0.74
Changes in Operating Assets and Liabilities, net		 -0.45 0.37 0.28 0.04 0.16 -10 1.21 -1.64 3.97 -1.60 3.58
Net Cash From Investing Activities		 -46 3.54 -29 -55 -40 -61 -131 -208 -117 -115 -129
Net Cash From Continuing Investing Activities		 -46 3.54 -29 -55 -40 -61 -131 -208 -117 -115 -129
Purchase of Property, Leasehold Improvements and Equipment		 -0.29 -0.51 -1.63 -0.87 -1.62 -0.75 -1.26 -2.15 -1.41 -3.13 -4.72
Purchase of Investment Securities		 -120 -149 -78 -109 -106 -167 -215 -259 -168 -340 -218
Sale and/or Maturity of Investments		 75 142 50 55 67 91 85 53 53 228 94
Net Cash From Financing Activities		 33 -7.76 12 39 18 144 197 2.45 121 99 67
Net Cash From Continuing Financing Activities		 33 -7.76 12 39 18 144 197 2.45 121 99 67
Net Change in Deposits		 -9.04 47 4.21 17 11 164 221 -29 67 64 219
Issuance of Debt		 57 - 38 41 40 11 0.00 40 136 99 40
Issuance of Common Equity		 0.15 0.13 0.13 0.12 0.13 0.13 0.13 0.13 0.10 28 0.10
Repayment of Debt		 -10 -51 -24 -14 -27 -24 -15 2.40 -71 -82 -181
Repurchase of Common Equity		 -0.13 -0.45 -1.59 -0.19 -0.43 -0.11 -1.44 -2.52 -3.10 -0.70 -0.36
Payment of Dividends		 -4.53 -4.71 -5.39 -5.51 -6.04 -7.26 -8.54 -9.16 -9.42 -9.72 -11
Other Financing Activities, Net		 0.44 0.84 1.04 0.52 0.64 0.27 0.39 0.66 0.89 0.27 0.08
Cash Interest Paid		 3.27 3.54 3.72 5.29 8.05 8.81 6.16 5.82 26 48 49
Cash Income Taxes Paid		 2.32 1.54 3.04 2.24 2.41 2.79 5.33 6.89 4.94 2.62 3.02

Quarterly Cash Flow Statements for Norwood Financial

This table details how cash moves in and out of Norwood Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 9/30/2026
Net Change in Cash & Equivalents		 46 -43 13 -11 3.07 -22 22 -30 58 -42 12
Net Cash From Operating Activities		 4.25 9.11 4.65 4.81 9.10 6.76 9.34 8.78 6.00 8.91 18
Net Cash From Continuing Operating Activities		 4.25 9.11 4.65 4.81 9.10 6.76 9.34 8.78 6.00 8.91 18
Net Income / (Loss) Continuing Operations		 4.43 4.21 3.85 -13 5.77 6.21 8.34 7.44 3.73 9.33 12
Consolidated Net Income / (Loss)		 4.43 4.21 3.85 -13 5.77 6.21 8.34 7.44 3.73 9.33 12
Provision For Loan Losses		 -0.62 0.35 1.35 1.60 0.86 0.95 -0.50 0.47 1.46 1.94 0.10
Depreciation Expense		 0.34 0.33 0.34 0.31 0.32 0.34 0.36 0.40 0.44 0.43 0.44
Amortization Expense		 0.23 0.32 0.41 0.34 0.03 0.07 0.05 0.04 0.10 -0.03 0.01
Non-Cash Adjustments to Reconcile Net Income		 0.18 -0.08 -0.45 20 -1.50 -0.30 -0.07 1.13 -1.11 -0.39 0.99
Changes in Operating Assets and Liabilities, net		 -0.30 3.98 -0.84 -4.44 3.62 -0.51 1.17 -0.70 1.38 -2.38 5.19
Net Cash From Investing Activities		 -13 -20 -20 -63 -52 -13 -21 -43 11 -33 -51
Net Cash From Continuing Investing Activities		 -13 -20 -20 -63 -52 -13 -21 -43 11 -33 -51
Purchase of Property, Leasehold Improvements and Equipment		 -0.55 -0.53 -0.57 -1.47 -0.93 -1.68 -1.04 -1.07 -0.46 -0.50 -0.32
Purchase of Investment Securities		 -30 -38 -38 -235 -77 -33 -37 -71 -7.79 -54 -67
Sale and/or Maturity of Investments		 17 18 19 173 26 22 17 29 19 22 15
Net Cash From Financing Activities		 54 -32 29 47 46 -16 33 4.02 41 -19 45
Net Cash From Continuing Financing Activities		 54 -32 29 47 46 -16 33 4.02 41 -19 45
Net Change in Deposits		 44 -28 44 3.91 145 -6.61 76 4.68 71 7.60 -5.32
Repayment of Debt		 -47 -0.81 -13 17 -136 -6.74 -40 2.04 -28 -23 53
Payment of Dividends		 -2.43 -2.43 -2.43 -2.43 -2.88 -2.87 -2.87 -2.87 -3.51 -3.49 -3.49
Other Financing Activities, Net		 - - - 0.08 0.00 - - 0.07 0.32 0.01 0.62
Cash Interest Paid		 11 11 13 13 11 15 13 9.79 16 15 12
Cash Income Taxes Paid		 0.26 0.40 1.03 0.94 0.05 0.15 1.18 1.65 0.00 1.18 3.62

Annual Balance Sheets for Norwood Financial

This table presents Norwood Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 751 1,111 1,133 1,185 1,231 1,852 2,069 2,047 2,201 2,317 2,425
Cash and Due from Banks		 9.74 15 16 18 15 19 21 29 29 28 32
Interest Bearing Deposits at Other Banks		 0.27 2.27 0.49 0.31 0.38 92 186 3.02 38 45 12
Trading Account Securities		 139 303 281 243 210 227 407 419 406 398 409
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,585 1,694 1,834
Premises and Equipment, Net		 6.47 14 14 14 14 18 17 18 18 20 23
Goodwill		 9.72 11 11 11 11 29 29 29 29 29 29
Intangible Assets		 0.29 0.61 0.46 0.34 0.24 0.53 0.41 0.31 0.22 0.15 0.10
Other Assets		 33 59 53 56 63 68 70 92 97 104 86
Total Liabilities & Shareholders' Equity		 751 1,111 1,133 1,185 1,231 1,852 2,069 2,047 2,201 2,317 2,425
Total Liabilities		 650 1,000 1,017 1,062 1,093 1,657 1,863 1,880 2,020 2,104 2,183
Non-Interest Bearing Deposits		 108 191 205 201 207 360 441 435 400 381 420
Interest Bearing Deposits		 443 734 724 745 750 1,176 1,316 1,293 1,396 1,478 1,659
Short-Term Debt		 53 33 43 53 62 63 61 93 74 113 15
Accrued Interest Payable		 0.96 1.07 1.43 1.81 2.43 1.60 1.20 2.65 11 13 12
Long-Term Debt		 41 32 36 52 56 42 30 40 124 102 59
Other Long-Term Liabilities		 3.28 8.84 7.88 8.36 15 14 14 16 16 17 18
Total Equity & Noncontrolling Interests		 101 111 116 122 137 195 205 167 181 214 242
Total Preferred & Common Equity		 101 111 116 122 137 195 205 167 181 214 242
Preferred Stock		 - - - 0.00 0.00 0.00 - 0.00 0.00 0.00 0.00
Total Common Equity		 101 111 116 122 137 195 205 167 181 214 242
Common Stock		 36 48 48 49 50 96 97 98 99 127 128
Retained Earnings		 65 67 70 78 87 94 110 130 135 125 141
Treasury Stock		 -0.63 -0.13 -0.08 -0.08 -0.40 -0.34 -1.77 -3.31 -5.40 -5.80 -6.01
Accumulated Other Comprehensive Income / (Loss)		 0.49 -4.12 -2.67 -5.02 1.19 5.12 -0.26 -57 -47 -33 -21

Quarterly Balance Sheets for Norwood Financial

This table presents Norwood Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026 9/30/2026
Total Assets		 2,180 2,260 2,235 2,280 2,376 2,365 2,412 2,917 2,908 2,952
Cash and Due from Banks		 41 20 30 47 32 32 50 25 31 20
Interest Bearing Deposits at Other Banks		 13 92 39 36 44 21 24 75 29 53
Trading Account Securities		 380 398 398 397 409 402 404 431 439 429
Loans and Leases, Net of Allowance		 0.00 1,603 1,624 1,656 1,751 1,770 1,795 2,214 2,237 2,269
Premises and Equipment, Net		 17 18 18 19 20 22 22 25 25 25
Goodwill		 29 29 29 29 29 29 29 36 36 36
Intangible Assets		 0.24 0.20 0.18 0.17 0.14 0.12 0.11 3.32 3.15 2.99
Other Assets		 104 99 97 96 91 89 87 104 107 116
Total Liabilities & Shareholders' Equity		 2,180 2,260 2,235 2,280 2,376 2,365 2,412 2,917 2,908 2,952
Total Liabilities		 2,015 2,079 2,053 2,084 2,155 2,140 2,177 2,633 2,618 2,668
Non-Interest Bearing Deposits		 430 383 392 421 391 406 424 471 500 488
Interest Bearing Deposits		 1,317 1,456 1,419 1,434 1,613 1,591 1,650 2,036 2,014 2,021
Short-Term Debt		 104 60 62 52 0.00 27 0.00 0.00 0.00 56
Accrued Interest Payable		 8.61 12 13 13 14 11 9.82 9.69 8.98 10
Long-Term Debt		 137 151 148 145 119 85 72 88 66 63
Other Long-Term Liabilities		 19 17 18 19 18 19 21 29 29 30
Total Equity & Noncontrolling Interests		 165 181 182 196 221 225 235 284 290 283
Total Preferred & Common Equity		 165 181 182 196 221 225 235 284 290 283
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 165 181 182 196 221 225 235 284 290 283
Common Stock		 98 99 99 99 128 128 128 175 175 176
Retained Earnings		 137 137 139 140 128 131 137 141 147 155
Treasury Stock		 -5.96 -5.40 -5.98 -5.97 -6.21 -6.21 -6.19 -7.97 -7.96 -7.39
Accumulated Other Comprehensive Income / (Loss)		 -65 -49 -50 -38 -29 -28 -24 -24 -25 -40

Annual Metrics And Ratios for Norwood Financial

This table displays calculated financial ratios and metrics derived from Norwood Financial's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 0.00 0.00 0.00 6,268,783.00 6,300,881.00 8,201,128.00 8,176,424.00 8,136,687.00 8,069,350.00 - 9,264,200.00
DEI Adjusted Shares Outstanding		 0.00 0.00 0.00 6,268,783.00 6,300,881.00 8,201,128.00 8,176,424.00 8,136,687.00 8,069,350.00 - 9,264,200.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 0.00 0.00 2.18 2.26 1.84 3.05 3.59 2.08 - 3.00
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -1.52% 15.57% 23.84% 32.07% -17.12% 40.84% 15.07% 5.01% -9.90% -27.28% 72.30%
EBITDA Growth		 -22.72% 21.45% 61.72% 68.72% -34.69% 37.91% 13.75% 24.55% -37.72% -90.18% 1,450.42%
EBIT Growth		 -26.53% 13.99% 71.60% 86.66% -37.48% 42.79% 27.64% 14.63% -41.19% -101.22% 13,673.26%
NOPAT Growth		 -22.84% 13.59% 22.16% 66.52% 4.13% 6.09% 65.22% 17.33% -42.67% -101.08% 15,468.22%
Net Income Growth		 -22.84% 13.59% 22.16% 66.52% 4.13% 6.09% 65.22% 17.33% -42.67% -100.95% 17,446.88%
EPS Growth		 -22.84% 13.59% 13.91% 65.65% 3.69% -7.11% 45.45% 17.76% -42.18% -100.97% 15,150.00%
Operating Cash Flow Growth		 -0.31% 8.36% 41.10% 7.77% 6.59% -25.17% 111.63% 5.26% -2.96% -23.53% 48.93%
Free Cash Flow Firm Growth		 -261.90% 161.58% -138.68% -95.06% 27.64% -105.32% 200.12% -14.86% -349.14% 21.11% 384.40%
Invested Capital Growth		 32.96% -9.97% 10.42% 17.20% 12.52% 17.35% -1.49% 1.42% 26.33% 12.91% -26.16%
Revenue Q/Q Growth		 -0.36% 8.39% 1.70% 5.77% -8.98% 30.39% -8.70% 1.32% -0.98% -26.55% 38.60%
EBITDA Q/Q Growth		 -19.26% 47.96% 7.52% 7.33% -19.07% 66.52% -17.87% 4.39% -22.86% -87.50% 220.76%
EBIT Q/Q Growth		 -22.44% 56.13% 10.73% 8.36% -21.18% 78.44% -16.17% 2.67% -25.10% -101.59% 265.05%
NOPAT Q/Q Growth		 -19.31% 49.37% -21.07% 29.90% 2.13% 14.57% 4.72% 1.75% -28.82% -101.41% 262.24%
Net Income Q/Q Growth		 -19.31% 49.37% -21.07% 29.90% 2.13% 14.57% 4.72% 1.75% -28.82% -101.25% 262.24%
EPS Q/Q Growth		 -19.31% 49.37% -21.56% -29.09% -26.71% 9.42% 2.70% 1.42% -28.62% -101.26% 385.48%
Operating Cash Flow Q/Q Growth		 -4.51% 11.31% 1.09% -2.11% 2.80% 8.12% 5.11% 0.50% 1.24% -7.72% 13.23%
Free Cash Flow Firm Q/Q Growth		 -6,724.24% 283.62% -298.84% -1,977.38% -307.06% 57.80% 82.70% -77.69% 58.97% -290.51% 49.15%
Invested Capital Q/Q Growth		 13.15% -8.10% -1.26% 10.41% 14.56% -1.87% -5.70% 30.22% -6.56% 8.98% 3.03%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 31.25% 32.84% 42.89% 54.79% 43.18% 42.28% 41.79% 49.57% 34.26% 4.63% 41.64%
EBIT Margin		 25.80% 25.45% 35.27% 49.85% 37.60% 38.12% 42.29% 46.16% 30.13% -0.51% 39.82%
Profit (Net Income) Margin		 20.22% 19.87% 19.60% 24.72% 31.06% 23.39% 33.59% 37.53% 23.88% -0.31% 31.56%
Tax Burden Percent		 78.36% 78.08% 55.58% 84.24% 84.50% 82.11% 80.74% 80.34% 79.25% 62.02% 79.26%
Interest Burden Percent		 100.00% 100.00% 100.00% 58.86% 97.75% 74.73% 98.38% 101.19% 100.00% 100.00% 100.00%
Effective Tax Rate		 21.64% 21.92% 44.42% 15.76% 15.50% 17.89% 19.26% 19.66% 20.75% 0.00% 20.74%
Return on Invested Capital (ROIC)		 3.45% 3.62% 4.43% 6.47% 5.88% 5.42% 8.35% 9.80% 4.93% -0.04% 7.45%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.45% 3.62% 4.43% 6.47% 5.88% 5.42% 8.35% 9.80% 4.93% -0.03% 7.45%
Return on Net Nonoperating Assets (RNNOA)		 2.45% 2.71% 2.80% 5.00% 5.07% 3.66% 4.10% 5.90% 4.70% -0.04% 4.73%
Return on Equity (ROE)		 5.91% 6.33% 7.23% 11.47% 10.95% 9.08% 12.46% 15.70% 9.63% -0.08% 12.18%
Cash Return on Invested Capital (CROIC)		 -24.84% 14.10% -5.47% -9.36% -5.91% -10.54% 9.85% 8.39% -18.34% -12.17% 37.56%
Operating Return on Assets (OROA)		 1.03% 0.92% 1.31% 2.38% 1.43% 1.59% 1.60% 1.75% 1.00% -0.01% 1.48%
Return on Assets (ROA)		 0.81% 0.72% 0.73% 1.18% 1.18% 0.98% 1.27% 1.42% 0.79% -0.01% 1.17%
Return on Common Equity (ROCE)		 5.91% 6.33% 7.23% 11.47% 10.95% 9.08% 12.46% 15.70% 9.63% -0.08% 12.18%
Return on Equity Simple (ROE_SIMPLE)		 5.85% 6.04% 7.08% 11.16% 10.34% 7.74% 12.14% 17.50% 9.26% -0.07% 11.46%
Net Operating Profit after Tax (NOPAT)		 5.91 6.71 8.20 14 14 15 25 29 17 -0.18 28
NOPAT Margin		 20.22% 19.87% 19.60% 24.72% 31.06% 23.39% 33.59% 37.53% 23.88% -0.35% 31.56%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -0.01% 0.00%
SG&A Expenses to Revenue		 40.38% 44.93% 42.64% 35.12% 44.81% 37.40% 38.17% 39.15% 46.47% 69.59% 42.88%
Operating Expenses to Revenue		 58.52% 68.48% 59.47% 47.03% 59.67% 53.42% 52.05% 52.69% 61.97% 95.27% 58.16%
Earnings before Interest and Taxes (EBIT)		 7.54 8.60 15 28 17 25 31 36 21 -0.26 35
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 9.13 11 18 30 20 27 31 39 24 2.36 37
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 0.00 1.25 1.36 0.87 0.85 1.39 1.31 1.00 1.05
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.00 1.38 1.48 1.03 0.99 1.69 1.56 1.17 1.19
Price to Revenue (P/Rev)		 0.00 0.00 0.00 2.77 4.08 2.63 2.35 2.99 3.37 4.20 2.89
Price to Earnings (P/E)		 0.00 0.00 0.00 6.12 12.78 7.95 6.86 8.08 14.11 0.00 9.16
Dividend Yield		 6.42% 5.38% 2.72% 3.61% 3.24% 4.84% 4.87% 3.91% 3.96% 4.53% 4.52%
Earnings Yield		 0.00% 0.00% 0.00% 16.34% 7.83% 12.58% 14.57% 12.37% 7.09% 0.00% 10.92%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 1.05 1.13 0.54 0.20 1.11 0.97 0.83 0.90
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 4.34 6.33 2.53 0.79 4.29 5.25 7.00 3.23
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 7.92 14.67 5.99 1.89 8.65 15.33 151.17 7.75
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 8.71 16.84 6.65 1.87 9.29 17.43 0.00 8.11
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 17.57 20.39 10.83 2.35 11.43 22.00 0.00 10.23
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 13.86 15.72 11.84 2.01 10.87 12.36 15.66 8.36
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 1.99 13.36 0.00 0.00 2.03
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.93 0.58 0.68 0.86 0.86 0.54 0.44 0.80 1.10 1.01 0.31
Long-Term Debt to Equity		 0.41 0.29 0.31 0.43 0.41 0.22 0.15 0.24 0.69 0.48 0.25
Financial Leverage		 0.71 0.75 0.63 0.77 0.86 0.68 0.49 0.60 0.95 1.05 0.63
Leverage Ratio		 7.31 8.78 9.89 9.74 9.30 9.28 9.80 11.05 12.20 11.45 10.41
Compound Leverage Factor		 7.31 8.78 9.89 5.73 9.09 6.93 9.64 11.18 12.20 11.45 10.41
Debt to Total Capital		 48.30% 36.85% 40.41% 46.28% 46.34% 35.19% 30.67% 44.36% 52.27% 50.16% 23.44%
Short-Term Debt to Total Capital		 27.25% 18.65% 21.90% 23.31% 24.31% 21.06% 20.54% 31.04% 19.53% 26.40% 4.65%
Long-Term Debt to Total Capital		 21.05% 18.19% 18.51% 22.97% 22.04% 14.13% 10.13% 13.32% 32.75% 23.76% 18.79%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 51.70% 63.15% 59.59% 53.72% 53.66% 64.81% 69.33% 55.64% 47.73% 49.84% 76.56%
Debt to EBITDA		 10.33 5.84 4.38 3.48 6.01 3.88 2.93 3.45 8.25 90.97 2.02
Net Debt to EBITDA		 9.24 4.30 3.44 2.87 5.23 -0.22 -3.74 2.62 5.50 60.34 0.81
Long-Term Debt to EBITDA		 4.50 2.89 2.00 1.73 2.86 1.56 0.97 1.04 5.17 43.10 1.62
Debt to NOPAT		 15.97 9.66 9.57 7.72 8.35 7.01 3.65 4.56 11.83 -1,189.71 2.67
Net Debt to NOPAT		 14.28 7.10 7.54 6.37 7.27 -0.39 -4.65 3.47 7.89 -789.16 1.07
Long-Term Debt to NOPAT		 6.96 4.77 4.38 3.83 3.97 2.82 1.20 1.37 7.41 -563.64 2.14
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -43 26 -10 -20 -14 -29 29 25 -62 -49 140
Operating Cash Flow to CapEx		 3,620.00% 2,226.22% 1,435.69% 1,981.44% 1,339.00% 1,866.98% 2,654.36% 1,427.50% 2,113.68% 729.36% 719.64%
Free Cash Flow to Firm to Interest Expense		 -13.05 7.16 -2.48 -3.49 -1.65 -3.68 5.10 3.44 -1.86 -0.98 2.90
Operating Cash Flow to Interest Expense		 3.22 3.11 3.93 3.06 2.12 1.73 5.07 4.23 0.89 0.45 0.70
Operating Cash Flow Less CapEx to Interest Expense		 3.13 2.97 3.66 2.90 1.97 1.64 4.88 3.93 0.85 0.39 0.61
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.05 0.04 0.04 0.04 0.04 0.03 0.02 0.04
Fixed Asset Turnover		 4.43 3.38 3.05 3.99 3.26 4.02 4.23 4.42 3.93 2.72 4.13
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 195 176 194 228 256 301 296 300 379 428 316
Invested Capital Turnover		 0.17 0.18 0.23 0.26 0.19 0.23 0.25 0.26 0.21 0.13 0.24
Increase / (Decrease) in Invested Capital		 48 -19 18 33 29 44 -4.47 4.22 79 49 -112
Enterprise Value (EV)		 0.00 0.00 0.00 240 290 163 59 334 369 357 284
Market Capitalization		 0.00 0.00 0.00 153 187 169 174 233 236 215 254
Book Value per Share		 $27.50 $26.69 $18.50 $19.51 $21.81 $23.75 $25.10 $20.53 $22.44 $26.39 $26.14
Tangible Book Value per Share		 $24.77 $23.82 $16.61 $17.65 $19.98 $20.11 $21.48 $16.90 $18.79 $22.75 $22.97
Total Capital		 195 176 194 228 256 301 296 300 379 428 316
Total Debt		 94 65 78 105 119 106 91 133 198 215 74
Total Long-Term Debt		 41 32 36 52 56 42 30 40 124 102 59
Net Debt		 84 48 62 87 103 -5.93 -116 101 132 143 30
Capital Expenditures (CapEx)		 0.29 0.51 1.12 0.87 1.38 0.74 1.10 2.15 1.41 3.13 4.72
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -0.02 0.00
Net Nonoperating Obligations (NNO)		 94 65 78 105 119 106 91 133 198 215 74
Total Depreciation and Amortization (D&A)		 1.59 2.50 3.19 2.73 2.55 2.68 -0.36 2.66 2.90 2.62 1.60
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.71 $0.77 $1.32 $2.19 $2.27 $2.09 $3.05 $3.59 $2.08 ($0.02) $3.01
Adjusted Weighted Average Basic Shares Outstanding		 8.33M 9.37M 6.26M 6.30M 6.33M 8.23M 8.20M 8.18M 8.11M 9.26M 10.89M
Adjusted Diluted Earnings per Share		 $0.71 $0.77 $1.31 $2.17 $2.25 $2.09 $3.04 $3.58 $2.07 ($0.02) $3.01
Adjusted Weighted Average Diluted Shares Outstanding		 8.33M 9.37M 6.26M 6.30M 6.33M 8.23M 8.20M 8.18M 8.11M 9.26M 10.89M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.33M 9.37M 6.26M 6.30M 6.33M 8.23M 8.20M 8.18M 8.11M 9.26M 10.89M
Normalized Net Operating Profit after Tax (NOPAT)		 5.91 8.12 8.20 14 14 17 25 29 17 -0.18 29
Normalized NOPAT Margin		 20.22% 24.05% 19.60% 24.72% 31.06% 26.00% 33.59% 37.53% 23.88% -0.35% 32.68%
Pre Tax Income Margin		 25.80% 25.45% 35.27% 29.34% 36.75% 28.49% 41.60% 46.71% 30.13% -0.51% 39.82%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.31 2.35 3.62 4.87 1.98 3.08 5.45 4.95 0.63 -0.01 0.73
NOPAT to Interest Expense		 1.81 1.84 2.01 2.41 1.64 1.89 4.33 4.02 0.50 0.00 0.58
EBIT Less CapEx to Interest Expense		 2.23 2.21 3.34 4.71 1.82 2.99 5.26 4.65 0.59 -0.07 0.63
NOPAT Less CapEx to Interest Expense		 1.72 1.70 1.74 2.26 1.48 1.80 4.14 3.73 0.46 -0.07 0.48
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 76.62% 70.24% 65.70% 40.36% 42.50% 48.16% 34.27% 31.33% 56.19% -6,074.38% 41.39%
Augmented Payout Ratio		 78.77% 76.90% 85.06% 41.78% 45.51% 48.88% 40.05% 39.93% 74.69% -6,513.75% 42.70%

Quarterly Metrics And Ratios for Norwood Financial

This table displays calculated financial ratios and metrics derived from Norwood Financial's official financial filings.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 9/30/2026
DEI Shares Outstanding		 8,110,156.00 8,098,466.00 8,085,377.00 - 9,262,592.00 9,260,522.00 9,261,575.00 9,264,200.00 10,889,603.00 10,890,699.00 10,902,074.00
DEI Adjusted Shares Outstanding		 8,110,156.00 8,098,466.00 8,085,377.00 - 9,262,592.00 9,260,522.00 9,261,575.00 9,264,200.00 10,889,603.00 10,890,699.00 10,902,074.00
DEI Earnings Per Adjusted Shares Outstanding		 0.55 0.52 0.48 - 0.62 0.67 0.90 0.80 0.34 0.86 1.08
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -7.16% -1.68% 5.08% -105.94% 20.89% 24.40% 25.99% 2,368.57% 34.94% 37.78% 34.69%
EBITDA Growth		 -22.89% -33.29% -5.69% -1,469.07% 23.59% 37.64% 95.45% 163.64% -29.83% 45.97% 43.66%
EBIT Growth		 -22.85% -35.16% -6.50% -3,644.59% 29.94% 46.64% 117.13% 158.35% -33.85% 48.48% 45.07%
NOPAT Growth		 -23.33% -35.21% -6.68% -3,266.17% 30.23% 47.28% 116.81% 166.22% -35.39% 50.33% 41.14%
Net Income Growth		 -23.33% -35.21% -6.68% -3,663.38% 30.23% 47.28% 116.81% 158.84% -35.39% 50.33% 41.14%
EPS Growth		 -22.54% -35.80% -5.88% -4,025.00% 14.55% 28.85% 85.42% 152.23% -44.44% 28.36% 21.35%
Operating Cash Flow Growth		 -57.93% 48.77% -32.52% -28.43% 114.02% -25.81% 101.05% 82.58% -34.08% 31.84% 97.92%
Free Cash Flow Firm Growth		 -49.28% 97.70% 109.81% 23.50% 193.74% 2,154.72% 461.78% 298.45% -149.52% -113.89% -188.40%
Invested Capital Growth		 20.69% 1.87% -3.19% 12.91% -13.54% -14.09% -21.90% -26.16% 9.70% 5.30% 31.02%
Revenue Q/Q Growth		 -4.02% 2.49% 6.39% -105.67% 2,054.35% 5.47% 7.74% 2.15% 16.25% 7.69% 5.33%
EBITDA Q/Q Growth		 448.98% -3.03% -6.51% -375.08% 149.56% 7.99% 32.76% -10.43% -45.36% 124.65% 30.66%
EBIT Q/Q Growth		 1,137.97% -4.76% -9.19% -431.07% 145.38% 7.48% 34.46% -11.03% -48.55% 141.27% 31.37%
NOPAT Q/Q Growth		 1,148.73% -4.96% -8.76% -392.40% 151.36% 7.48% 34.31% -10.69% -49.89% 150.08% 26.10%
Net Income Q/Q Growth		 1,148.73% -4.96% -8.76% -429.08% 145.64% 7.48% 34.31% -10.69% -49.89% 150.08% 26.10%
EPS Q/Q Growth		 1,275.00% -5.45% -7.69% -427.08% 140.13% 6.35% 32.84% -7.87% -57.32% 145.71% 25.58%
Operating Cash Flow Q/Q Growth		 -36.69% 114.18% -48.98% 3.47% 89.31% -25.75% 38.25% -6.04% -31.66% 48.51% 107.55%
Free Cash Flow Firm Q/Q Growth		 20.16% 95.24% 661.20% -458.33% 197.83% 4.44% 53.44% 26.58% -124.41% 70.70% -876.30%
Invested Capital Q/Q Growth		 3.44% 0.04% 0.12% 8.98% -20.79% -0.60% -8.98% 3.03% 17.68% -4.58% 13.25%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 36.95% 34.96% 30.72% 0.00% 37.77% 38.68% 47.65% 41.79% 19.64% 40.97% 50.83%
EBIT Margin		 33.55% 31.18% 26.61% 0.00% 36.06% 36.75% 45.86% 39.94% 17.68% 39.60% 49.39%
Profit (Net Income) Margin		 26.52% 24.59% 21.09% 0.00% 28.57% 29.11% 36.29% 31.73% 13.68% 31.77% 38.03%
Tax Burden Percent		 79.05% 78.88% 79.26% 78.78% 79.22% 79.23% 79.14% 79.44% 77.39% 80.21% 77.00%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 20.95% 21.12% 20.74% 0.00% 20.78% 20.77% 20.86% 20.56% 22.61% 19.79% 23.00%
Return on Invested Capital (ROIC)		 5.09% 4.34% 3.67% 0.00% 4.26% 4.68% 6.58% 7.49% 3.65% 9.46% 11.91%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.09% 4.34% 3.67% 0.00% 4.26% 4.68% 6.58% 7.49% 3.65% 9.46% 11.91%
Return on Net Nonoperating Assets (RNNOA)		 5.13% 5.15% 4.47% 0.00% 3.49% 3.70% 4.12% 4.75% 1.50% 3.26% 4.39%
Return on Equity (ROE)		 10.22% 9.49% 8.13% 0.00% 7.75% 8.39% 10.70% 12.25% 5.15% 12.71% 16.29%
Cash Return on Invested Capital (CROIC)		 -14.46% 1.52% 6.46% -12.17% 14.85% 16.03% 26.78% 37.56% -2.02% 3.16% -17.76%
Operating Return on Assets (OROA)		 1.06% 0.98% 0.83% 0.00% 0.85% 0.94% 1.24% 1.48% 0.63% 1.55% 2.04%
Return on Assets (ROA)		 0.84% 0.77% 0.66% 0.00% 0.67% 0.74% 0.98% 1.18% 0.49% 1.24% 1.57%
Return on Common Equity (ROCE)		 10.22% 9.49% 8.13% 0.00% 7.75% 8.39% 10.70% 12.25% 5.15% 12.71% 16.29%
Return on Equity Simple (ROE_SIMPLE)		 8.50% 7.20% 6.57% 0.00% 0.53% 1.41% 3.26% 0.00% 9.06% 9.96% 11.39%
Net Operating Profit after Tax (NOPAT)		 4.43 4.21 3.84 -11 5.77 6.21 8.33 7.44 3.73 9.33 12
NOPAT Margin		 26.52% 24.59% 21.09% 0.00% 28.57% 29.11% 36.29% 31.73% 13.68% 31.77% 38.03%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.68% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 50.36% 47.90% 47.57% 0.00% 44.22% 42.90% 39.82% 41.55% 42.94% 40.25% 37.00%
Operating Expenses to Revenue		 70.18% 66.80% 66.01% 0.00% 59.70% 58.80% 56.33% 58.06% 76.97% 53.78% 50.28%
Earnings before Interest and Taxes (EBIT)		 5.61 5.34 4.85 -16 7.29 7.83 11 9.37 4.82 12 15
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 6.18 5.99 5.60 -15 7.63 8.24 11 9.80 5.36 12 16
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.10 1.03 1.05 1.00 0.96 1.01 0.97 1.05 1.12 1.20 1.26
Price to Tangible Book Value (P/TBV)		 1.31 1.23 1.24 1.17 1.10 1.16 1.11 1.19 1.30 1.39 1.46
Price to Revenue (P/Rev)		 2.88 2.73 2.96 4.20 3.87 3.88 3.59 2.89 3.34 3.36 3.21
Price to Earnings (P/E)		 12.88 14.27 15.99 0.00 178.67 71.87 29.70 9.16 12.33 12.02 11.06
Dividend Yield		 4.78% 5.11% 4.68% 4.53% 5.32% 4.96% 5.01% 4.52% 4.29% 3.96% 3.88%
Earnings Yield		 7.76% 7.01% 6.25% 0.00% 0.56% 1.39% 3.37% 10.92% 8.11% 8.32% 9.04%
Enterprise Value to Invested Capital (EV/IC)		 0.76 0.84 0.81 0.83 0.75 0.85 0.73 0.90 0.81 0.99 1.00
Enterprise Value to Revenue (EV/Rev)		 4.32 4.78 4.60 7.00 4.66 4.88 3.54 3.23 3.19 3.41 3.63
Enterprise Value to EBITDA (EV/EBITDA)		 13.40 17.07 16.94 151.17 66.51 47.22 19.70 7.75 8.82 9.23 9.39
Enterprise Value to EBIT (EV/EBIT)		 15.28 19.78 19.69 0.00 178.76 73.31 23.44 8.11 9.30 9.68 9.81
Enterprise Value to NOPAT (EV/NOPAT)		 19.32 25.02 24.91 0.00 215.26 90.41 29.35 10.23 11.78 12.20 12.49
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.42 12.18 12.94 15.66 9.19 11.33 7.50 8.36 9.81 10.65 9.56
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 55.51 12.40 0.00 4.68 4.90 2.40 2.03 0.00 32.11 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.17 1.16 1.01 1.01 0.54 0.50 0.31 0.31 0.31 0.23 0.42
Long-Term Debt to Equity		 0.83 0.81 0.74 0.48 0.54 0.38 0.31 0.25 0.31 0.23 0.22
Financial Leverage		 1.01 1.19 1.22 1.05 0.82 0.79 0.63 0.63 0.41 0.34 0.37
Leverage Ratio		 12.20 12.31 12.38 11.45 11.54 11.29 10.90 10.41 10.49 10.24 10.35
Compound Leverage Factor		 12.20 12.31 12.38 11.45 11.54 11.29 10.90 10.41 10.49 10.24 10.35
Debt to Total Capital		 53.82% 53.60% 50.22% 50.16% 34.95% 33.16% 23.48% 23.44% 23.71% 18.45% 29.55%
Short-Term Debt to Total Capital		 15.30% 15.88% 13.34% 26.40% 0.00% 7.86% 0.00% 4.65% 0.00% 0.00% 13.95%
Long-Term Debt to Total Capital		 38.52% 37.72% 36.88% 23.76% 34.95% 25.31% 23.48% 18.79% 23.71% 18.45% 15.60%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 46.18% 46.40% 49.78% 49.84% 65.05% 66.84% 76.52% 76.56% 76.29% 81.55% 70.45%
Debt to EBITDA		 9.51 10.94 10.45 90.97 31.05 18.42 6.31 2.02 2.57 1.72 2.77
Net Debt to EBITDA		 4.47 7.33 6.06 60.34 11.31 9.68 -0.23 0.81 -0.42 0.14 1.08
Long-Term Debt to EBITDA		 6.81 7.70 7.67 43.10 31.05 14.05 6.31 1.62 2.57 1.72 1.46
Debt to NOPAT		 13.71 16.04 15.37 -1,189.71 100.50 35.26 9.41 2.67 3.43 2.27 3.68
Net Debt to NOPAT		 6.44 10.75 8.92 -789.16 36.60 18.54 -0.35 1.07 -0.56 0.18 1.44
Long-Term Debt to NOPAT		 9.81 11.29 11.29 -563.64 100.50 26.91 9.41 2.14 3.43 2.27 1.94
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -63 -3.00 17 -60 59 62 94 120 -29 -8.55 -83
Operating Cash Flow to CapEx		 767.33% 1,708.26% 810.65% 327.61% 976.18% 402.80% 900.58% 817.04% 1,318.02% 1,788.35% 5,867.94%
Free Cash Flow to Firm to Interest Expense		 -5.14 -0.24 1.34 -4.68 4.82 5.07 8.05 9.88 -2.11 -0.63 -6.21
Operating Cash Flow to Interest Expense		 0.35 0.71 0.37 0.37 0.74 0.56 0.80 0.73 0.43 0.65 1.37
Operating Cash Flow Less CapEx to Interest Expense		 0.30 0.67 0.32 0.26 0.67 0.42 0.71 0.64 0.40 0.62 1.35
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.02 0.02 0.03 0.03 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 3.86 3.85 3.89 2.72 2.85 2.95 3.11 4.13 4.17 4.40 4.68
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 392 393 393 428 339 337 307 316 372 355 402
Invested Capital Turnover		 0.19 0.18 0.17 0.13 0.15 0.16 0.18 0.24 0.27 0.30 0.31
Increase / (Decrease) in Invested Capital		 67 7.21 -13 49 -53 -55 -86 -112 33 18 95
Enterprise Value (EV)		 298 328 320 357 254 287 225 284 303 352 403
Market Capitalization		 198 187 205 215 211 228 228 254 317 347 357
Book Value per Share		 $22.34 $22.50 $24.20 $26.39 $23.83 $24.34 $25.36 $26.14 $26.07 $26.60 $25.99
Tangible Book Value per Share		 $18.71 $18.86 $20.56 $22.75 $20.65 $21.17 $22.19 $22.97 $22.43 $22.97 $22.38
Total Capital		 392 393 393 428 339 337 307 316 372 355 402
Total Debt		 211 210 197 215 119 112 72 74 88 66 119
Total Long-Term Debt		 151 148 145 102 119 85 72 59 88 66 63
Net Debt		 99 141 115 143 43 59 -2.66 30 -14 5.22 46
Capital Expenditures (CapEx)		 0.55 0.53 0.57 1.47 0.93 1.68 1.04 1.07 0.46 0.50 0.32
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 1.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 211 210 197 215 119 112 72 74 88 66 119
Total Depreciation and Amortization (D&A)		 0.57 0.65 0.75 0.66 0.35 0.41 0.41 0.43 0.54 0.40 0.44
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.55 $0.52 $0.48 ($1.57) $0.63 $0.67 $0.89 $0.82 $0.35 $0.86 $1.08
Adjusted Weighted Average Basic Shares Outstanding		 8.10M 8.09M 8.09M 9.26M 9.26M 9.26M 9.26M 10.89M 10.89M 10.90M 10.92M
Adjusted Diluted Earnings per Share		 $0.55 $0.52 $0.48 ($1.57) $0.63 $0.67 $0.89 $0.82 $0.35 $0.86 $1.08
Adjusted Weighted Average Diluted Shares Outstanding		 8.10M 8.09M 8.09M 9.26M 9.26M 9.26M 9.26M 10.89M 10.89M 10.90M 10.92M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.10M 8.09M 8.09M 9.26M 9.26M 9.26M 9.26M 10.89M 10.89M 10.90M 10.92M
Normalized Net Operating Profit after Tax (NOPAT)		 4.43 4.21 3.84 -11 5.77 6.21 8.33 7.44 7.55 9.37 12
Normalized NOPAT Margin		 26.52% 24.59% 21.09% 0.00% 28.57% 29.11% 36.29% 31.73% 27.70% 31.91% 38.03%
Pre Tax Income Margin		 33.55% 31.18% 26.61% 0.00% 36.06% 36.75% 45.86% 39.94% 17.68% 39.60% 49.39%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.46 0.42 0.39 -1.25 0.60 0.65 0.90 0.77 0.35 0.85 1.14
NOPAT to Interest Expense		 0.36 0.33 0.31 -0.87 0.47 0.51 0.71 0.62 0.27 0.69 0.87
EBIT Less CapEx to Interest Expense		 0.41 0.38 0.34 -1.36 0.52 0.51 0.81 0.69 0.32 0.82 1.11
NOPAT Less CapEx to Interest Expense		 0.32 0.29 0.26 -0.99 0.40 0.37 0.62 0.53 0.24 0.65 0.85
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 61.53% 72.76% 74.99% -6,074.38% 861.10% 334.14% 144.15% 41.39% 47.14% 44.16% 41.37%
Augmented Payout Ratio		 61.53% 77.36% 80.43% -6,513.75% 950.25% 349.02% 149.06% 42.70% 47.18% 44.21% 41.41%

Financials Breakdown Chart

Key Financial Trends

Norwood Financial’s Q2 2026 results show a significant rebound in profitability. Net income increased to $9.3 million, or $0.86 per diluted share, from $3.7 million, or $0.35 per share, in Q1 2026. Earnings also exceeded the $6.2 million reported in Q2 2025. The improvement followed the $4.9 million restructuring charge recorded in Q1, which fell to just $53,000 in Q2.

The bank’s core earning power continued to strengthen. Net interest income rose to $26.8 million in Q2 2026 from $24.6 million in Q1 and $19.1 million in Q2 2025. Total interest income increased to $40.5 million, while loan and lease interest income reached $35.6 million. Net interest income has generally trended higher from approximately $15 million in Q3 2023 and $14.9 million in Q2 2024.

Norwood has also expanded its balance sheet. Net loans and leases increased to $2.24 billion at June 30, 2026, compared with $1.77 billion at June 30, 2025 and $1.62 billion at June 30, 2024. Total assets reached $2.91 billion, up from $2.37 billion two years earlier. Total common equity increased to $289.6 million from $225.4 million at June 30, 2025, although the improvement partly reflects balance-sheet growth and changing accumulated other comprehensive income.

Operating cash generation remained positive, with $8.9 million of cash flow from operating activities in Q2 2026. However, substantial purchases of investment securities and debt repayments caused cash and equivalents to decline by $42.3 million during the quarter. Cash and due from banks stood at $30.9 million at quarter-end, supplemented by $29.4 million of interest-bearing deposits at other banks and $439.0 million of trading account securities.

  • Net income rose 150% sequentially to $9.3 million, while diluted EPS increased to $0.86 from $0.35 in Q1 2026.
  • Net interest income reached a multi-year high of $26.8 million, supported by higher loan balances and interest income.
  • Net loans and leases grew approximately 26% year over year to $2.24 billion, providing a larger base for future interest revenue.
  • Non-interest expense fell to $15.8 million from $21.0 million in Q1, primarily because the large restructuring charge did not recur.
  • Long-term debt declined to $65.5 million from $88.3 million in Q1 2026 and $85.4 million in Q2 2025, indicating reduced funding leverage.
  • Operating cash flow remained positive at $8.9 million, and total common equity increased to $289.6 million.
  • Total deposits were broadly stable sequentially at approximately $2.51 billion, while non-interest-bearing deposits increased to $500.4 million from $470.7 million in Q1.
  • The company paid $3.5 million of dividends in Q2, and Q1 reported a $0.32 dividend per share; the supplied data does not establish whether future dividend payments will increase.
  • The provision for credit losses rose to $1.9 million from $1.5 million in Q1 and $950,000 in Q2 2025, creating a potential warning sign as the loan portfolio expands.
  • Cash declined by $42.3 million in Q2 because $32.5 million of investing outflows and $18.7 million of financing outflows exceeded operating cash generation, increasing the importance of deposit stability and securities liquidity.

Overall, the statements point to improving operating momentum, stronger loan growth and a meaningful recovery from the first-quarter restructuring expense. Investors should continue monitoring credit-loss provisions, deposit costs and liquidity because the company is funding a substantially larger loan portfolio while interest-bearing deposits remain its largest liability.

11/13/26 11:06 AM ETAI Generated. May Contain Errors.

Norwood Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Norwood Financial's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Norwood Financial's net income appears to be on an upward trend, with a most recent value of $27.76 million in 2025, rising from $5.91 million in 2015. The previous period was -$160 thousand in 2024. See Norwood Financial's forecast for analyst expectations on what's next for the company.

Over the last 10 years, Norwood Financial's total revenue changed from $29.22 million in 2015 to $87.94 million in 2025, a change of 201.0%.

In the past 12 quarters, Norwood Financial's cash and equivalents has ranged from $19.52 million in Q1 2024 to $50.35 million in Q3 2025, and is currently $19.86 million as of their latest financial filing in Q3 2026.

Norwood Financial had total debt of $74.13 million at the end of 2025, a 65.5% decrease from 2024, and a 21.4% decrease since 2015.

Over the last 10 years, Norwood Financial's book value per share changed from 27.50 in 2015 to 26.14 in 2025, a change of -4.9%.


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Financial statements for NASDAQ:NWFL last updated on 11/6/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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