Go Pro
→ The $15 Gold Fund That Pays Up to $1,152/Month (From Investors Alley) (Ad)tc pixel Free NWFL Stock Alerts

Norwood Financial (NWFL) Financials

Norwood Financial logo
$32.22 -0.38 (-1.17%)
Closing price 07/2/2026 04:00 PM Eastern
Extended Trading
$32.28 +0.05 (+0.17%)
As of 07/2/2026 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
Compare
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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 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
Net Income / (Loss) Attributable to Common Shareholders		 4.12 0.36 4.43 4.21 3.84 -13 5.77 6.21 8.33 7.44 3.73
Consolidated Net Income / (Loss)		 4.12 0.36 4.43 4.21 3.84 -13 5.77 6.21 8.33 7.44 3.73
Net Income / (Loss) Continuing Operations		 4.12 0.36 4.43 4.21 3.84 -13 5.77 6.21 8.33 7.44 3.73
Total Pre-Tax Income 		5.19 0.45 5.61 5.34 4.85 -16 7.29 7.83 11 9.37 4.82
Total Revenue		 17 17 17 17 18 -1.03 20 21 23 23 27
Net Interest Income / (Expense)		 15 15 15 15 16 17 18 19 20 21 25
Total Interest Income		 25 26 27 28 28 29 30 31 32 33 38
Loans and Leases Interest Income		 22 23 24 24 25 26 26 27 28 29 34
Investment Securities Interest Income		 2.43 2.50 2.53 2.58 2.53 2.79 3.87 3.87 3.91 3.91 4.11
Deposits and Money Market Investments Interest Income		 - - 0.73 0.97 0.50 - 0.23 0.22 0.14 0.47 0.40
Total Interest Expense		 9.47 11 12 13 13 13 12 12 12 12 14
Deposits Interest Expense		 7.02 8.91 10 11 11 11 11 11 11 11 13
Short-Term Borrowings Interest Expense		 1.13 0.35 0.34 0.36 0.32 0.35 0.46 0.21 0.11 0.02 0.06
Long-Term Debt Interest Expense		 1.33 1.54 1.78 1.70 1.68 1.53 1.02 1.06 0.90 0.74 0.98
Total Non-Interest Income		 2.31 2.12 2.01 2.21 2.30 -18 2.35 2.25 2.51 2.51 2.72
Other Service Charges		 1.95 1.78 1.73 1.92 1.93 1.95 2.02 1.92 2.11 2.16 2.33
Net Realized & Unrealized Capital Gains on Investments		 0.02 0.04 0.01 0.04 0.10 -20 0.05 0.07 0.13 0.08 0.08
Other Non-Interest Income		 0.33 0.24 0.27 0.25 0.26 0.27 0.29 0.27 0.27 0.27 0.31
Provision for Credit Losses		 0.88 6.12 -0.62 0.35 1.35 1.61 0.86 0.95 -0.50 0.47 1.46
Total Non-Interest Expense		 11 11 12 11 12 13 12 13 13 14 21
Salaries and Employee Benefits		 6.08 5.67 6.14 5.95 6.24 6.69 6.47 6.61 6.70 7.16 8.55
Net Occupancy & Equipment Expense		 2.12 2.14 2.28 2.25 2.43 2.60 2.46 2.54 2.45 2.59 3.16
Property & Liability Insurance Claims		 - - 0.36 0.31 0.34 - 0.41 0.36 0.37 - 0.51
Other Operating Expenses		 3.06 2.39 2.93 2.91 3.01 3.18 2.71 3.02 3.41 3.01 3.67
Amortization Expense		 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.01 0.01 0.17
Restructuring Charge		 - - - - - - 0.00 - - - 4.94
Income Tax Expense		 1.07 0.10 1.18 1.13 1.01 -3.41 1.51 1.63 2.20 1.93 1.09
Basic Earnings per Share		 $0.51 $0.05 $0.55 $0.52 $0.48 ($1.57) $0.63 $0.67 $0.89 $0.82 $0.35
Weighted Average Basic Shares Outstanding		 8.07M 8.11M 8.10M 8.09M 8.09M 9.26M 9.26M 9.26M 9.26M 10.89M 10.89M
Diluted Earnings per Share		 $0.51 $0.04 $0.55 $0.52 $0.48 ($1.57) $0.63 $0.67 $0.89 $0.82 $0.35
Weighted Average Diluted Shares Outstanding		 8.07M 8.11M 8.10M 8.09M 8.09M 9.26M 9.26M 9.26M 9.26M 10.89M 10.89M
Weighted Average Basic & Diluted Shares Outstanding		 8.07M 8.11M 8.10M 8.09M 8.09M 9.26M 9.26M 9.26M 9.26M 10.89M 10.89M
Cash Dividends to Common per Share		 $0.29 - $0.30 $0.30 $0.30 $0.31 $0.31 $0.31 $0.31 $0.32 $0.32

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 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
Net Change in Cash & Equivalents		 21 12 46 -43 13 -11 3.07 -22 22 -30 58
Net Cash From Operating Activities		 6.88 6.72 4.25 9.11 4.65 4.81 9.10 6.76 9.34 8.78 6.00
Net Cash From Continuing Operating Activities		 6.88 6.72 4.25 9.11 4.65 4.81 9.10 6.76 9.34 8.78 6.00
Net Income / (Loss) Continuing Operations		 4.12 0.35 4.43 4.21 3.85 -13 5.77 6.21 8.34 7.44 3.73
Consolidated Net Income / (Loss)		 4.12 0.35 4.43 4.21 3.85 -13 5.77 6.21 8.34 7.44 3.73
Provision For Loan Losses		 0.88 6.12 -0.62 0.35 1.35 1.60 0.86 0.95 -0.50 0.47 1.46
Depreciation Expense		 0.34 0.33 0.34 0.33 0.34 0.31 0.32 0.34 0.36 0.40 0.44
Amortization Expense		 0.41 0.34 0.23 0.32 0.41 0.34 0.03 0.07 0.05 0.04 0.10
Non-Cash Adjustments to Reconcile Net Income		 0.38 0.49 0.18 -0.08 -0.45 20 -1.50 -0.30 -0.07 1.13 -1.11
Changes in Operating Assets and Liabilities, net		 0.75 -0.92 -0.30 3.98 -0.84 -4.44 3.62 -0.51 1.17 -0.70 1.38
Net Cash From Investing Activities		 -28 1.68 -13 -20 -20 -63 -52 -13 -21 -43 11
Net Cash From Continuing Investing Activities		 -28 1.68 -13 -20 -20 -63 -52 -13 -21 -43 11
Purchase of Property, Leasehold Improvements and Equipment		 -0.23 -0.92 -0.55 -0.53 -0.57 -1.47 -0.93 -1.68 -1.04 -1.07 -0.46
Purchase of Investment Securities		 -40 -9.76 -30 -38 -38 -235 -77 -33 -37 -71 -7.79
Sale and/or Maturity of Investments		 13 12 17 18 19 173 26 22 17 29 19
Net Cash From Financing Activities		 42 3.58 54 -32 29 47 46 -16 33 4.02 41
Net Cash From Continuing Financing Activities		 42 3.58 54 -32 29 47 46 -16 33 4.02 41
Net Change in Deposits		 15 48 44 -28 44 3.91 145 -6.61 76 4.68 71
Issuance of Debt		 75 -19 60 - - 0.00 40 - - 0.02 0.16
Issuance of Common Equity		 - - - - - - 0.00 - - - 0.17
Repayment of Debt		 -46 -24 -47 -0.81 -13 17 -136 -6.74 -40 2.04 -28
Repurchase of Common Equity		 - -0.02 0.00 -0.58 -0.10 -0.03 -0.35 - - -0.01 0.00
Payment of Dividends		 -2.34 -2.34 -2.43 -2.43 -2.43 -2.43 -2.88 -2.87 -2.87 -2.87 -3.51
Other Financing Activities, Net		 0.03 0.52 - - - 0.08 0.00 - - 0.07 0.32
Cash Interest Paid		 7.97 8.89 11 11 13 13 11 15 13 9.79 16
Cash Income Taxes Paid		 1.28 0.16 0.26 0.40 1.03 0.94 0.05 0.15 1.18 1.65 0.00

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
Federal Funds Sold		 - - - - - - - - - - 0.00
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
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
Total Assets		 2,180 2,260 2,235 2,280 2,376 2,365 2,412 2,917
Cash and Due from Banks		 41 20 30 47 32 32 50 25
Federal Funds Sold		 - - - - - - - 1.84
Interest Bearing Deposits at Other Banks		 13 92 39 36 44 21 24 75
Trading Account Securities		 380 398 398 397 409 402 404 431
Loans and Leases, Net of Allowance		 0.00 1,603 1,624 1,656 1,751 1,770 1,795 2,214
Premises and Equipment, Net		 17 18 18 19 20 22 22 25
Goodwill		 29 29 29 29 29 29 29 36
Intangible Assets		 0.24 0.20 0.18 0.17 0.14 0.12 0.11 3.32
Other Assets		 104 99 97 96 91 89 87 104
Total Liabilities & Shareholders' Equity		 2,180 2,260 2,235 2,280 2,376 2,365 2,412 2,917
Total Liabilities		 2,015 2,079 2,053 2,084 2,155 2,140 2,177 2,633
Non-Interest Bearing Deposits		 430 383 392 421 391 406 424 471
Interest Bearing Deposits		 1,317 1,456 1,419 1,434 1,613 1,591 1,650 2,036
Short-Term Debt		 104 60 62 52 0.00 27 0.00 0.00
Accrued Interest Payable		 8.61 12 13 13 14 11 9.82 9.69
Long-Term Debt		 137 151 148 145 119 85 72 88
Other Long-Term Liabilities		 19 17 18 19 18 19 21 29
Total Equity & Noncontrolling Interests		 165 181 182 196 221 225 235 284
Total Preferred & Common Equity		 165 181 182 196 221 225 235 284
Preferred Stock		 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
Common Stock		 98 99 99 99 128 128 128 175
Retained Earnings		 137 137 139 140 128 131 137 141
Treasury Stock		 -5.96 -5.40 -5.98 -5.97 -6.21 -6.21 -6.19 -7.97
Accumulated Other Comprehensive Income / (Loss)		 -65 -49 -50 -38 -29 -28 -24 -24

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 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
DEI Shares Outstanding		 8,069,350.00 8,069,350.00 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
DEI Adjusted Shares Outstanding		 8,069,350.00 8,069,350.00 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
DEI Earnings Per Adjusted Shares Outstanding		 0.51 0.04 0.55 0.52 0.48 - 0.62 0.67 0.90 0.80 0.34
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -14.76% -3.85% -7.16% -1.68% 5.08% -105.94% 20.89% 24.40% 25.99% 2,368.57% 34.94%
EBITDA Growth		 -45.76% -86.37% -22.89% -33.29% -5.69% -1,469.07% 23.59% 37.64% 95.45% 163.64% -29.83%
EBIT Growth		 -49.19% -93.99% -22.85% -35.16% -6.50% -3,644.59% 29.94% 46.64% 117.13% 158.35% -33.85%
NOPAT Growth		 -49.20% -95.03% -23.33% -35.21% -6.68% -3,266.17% 30.23% 47.28% 116.81% 166.22% -35.39%
Net Income Growth		 -49.20% -95.03% -23.33% -35.21% -6.68% -3,663.38% 30.23% 47.28% 116.81% 158.84% -35.39%
EPS Growth		 -49.00% -95.40% -22.54% -35.80% -5.88% -4,025.00% 14.55% 28.85% 85.42% 152.23% -44.44%
Operating Cash Flow Growth		 -22.83% 5.75% -57.93% 48.77% -32.52% -28.43% 114.02% -25.81% 101.05% 82.58% -34.08%
Free Cash Flow Firm Growth		 -287.23% -2,793.36% -49.28% 97.70% 109.81% 23.50% 193.74% 2,154.72% 461.78% 298.45% -149.52%
Invested Capital Growth		 76.07% 26.33% 20.69% 1.87% -3.19% 12.91% -13.54% -14.09% -21.90% -26.16% 9.70%
Revenue Q/Q Growth		 -0.46% 0.41% -4.02% 2.49% 6.39% -105.67% 2,054.35% 5.47% 7.74% 2.15% 16.25%
EBITDA Q/Q Growth		 -33.87% -81.05% 448.98% -3.03% -6.51% -375.08% 149.56% 7.99% 32.76% -10.43% -45.36%
EBIT Q/Q Growth		 -37.03% -91.27% 1,137.97% -4.76% -9.19% -431.07% 145.38% 7.48% 34.46% -11.03% -48.55%
NOPAT Q/Q Growth		 -36.66% -91.38% 1,148.73% -4.96% -8.76% -392.40% 151.36% 7.48% 34.31% -10.69% -49.89%
Net Income Q/Q Growth		 -36.66% -91.38% 1,148.73% -4.96% -8.76% -429.08% 145.64% 7.48% 34.31% -10.69% -49.89%
EPS Q/Q Growth		 -37.04% -92.16% 1,275.00% -5.45% -7.69% -427.08% 140.13% 6.35% 32.84% -7.87% -57.32%
Operating Cash Flow Q/Q Growth		 12.48% -2.46% -36.69% 114.18% -48.98% 3.47% 89.31% -25.75% 38.25% -6.04% -31.66%
Free Cash Flow Firm Q/Q Growth		 -31.54% 54.04% 20.16% 95.24% 661.20% -458.33% 197.83% 4.44% 53.44% 26.58% -124.41%
Invested Capital Q/Q Growth		 5.35% -6.56% 3.44% 0.04% 0.12% 8.98% -20.79% -0.60% -8.98% 3.03% 17.68%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 34.23% 6.46% 36.95% 34.96% 30.72% 0.00% 37.77% 38.68% 47.65% 41.79% 19.64%
EBIT Margin		 29.90% 2.60% 33.55% 31.18% 26.61% 0.00% 36.06% 36.75% 45.86% 39.94% 17.68%
Profit (Net Income) Margin		 23.75% 2.04% 26.52% 24.59% 21.09% 0.00% 28.57% 29.11% 36.29% 31.73% 13.68%
Tax Burden Percent		 79.41% 78.37% 79.05% 78.88% 79.26% 78.78% 79.22% 79.23% 79.14% 79.44% 77.39%
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		 20.59% 21.63% 20.95% 21.12% 20.74% 0.00% 20.78% 20.77% 20.86% 20.56% 22.61%
Return on Invested Capital (ROIC)		 5.29% 0.42% 5.09% 4.34% 3.67% 0.00% 4.26% 4.68% 6.58% 7.49% 3.65%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.29% 0.42% 5.09% 4.34% 3.67% 0.00% 4.26% 4.68% 6.58% 7.49% 3.65%
Return on Net Nonoperating Assets (RNNOA)		 5.12% 0.40% 5.13% 5.15% 4.47% 0.00% 3.49% 3.70% 4.12% 4.75% 1.50%
Return on Equity (ROE)		 10.41% 0.82% 10.22% 9.49% 8.13% 0.00% 7.75% 8.39% 10.70% 12.25% 5.15%
Cash Return on Invested Capital (CROIC)		 -47.71% -18.34% -14.46% 1.52% 6.46% -12.17% 14.85% 16.03% 26.78% 37.56% -2.02%
Operating Return on Assets (OROA)		 1.01% 0.09% 1.06% 0.98% 0.83% 0.00% 0.85% 0.94% 1.24% 1.48% 0.63%
Return on Assets (ROA)		 0.80% 0.07% 0.84% 0.77% 0.66% 0.00% 0.67% 0.74% 0.98% 1.18% 0.49%
Return on Common Equity (ROCE)		 10.41% 0.82% 10.22% 9.49% 8.13% 0.00% 7.75% 8.39% 10.70% 12.25% 5.15%
Return on Equity Simple (ROE_SIMPLE)		 14.30% 0.00% 8.50% 7.20% 6.57% 0.00% 0.53% 1.41% 3.26% 0.00% 9.06%
Net Operating Profit after Tax (NOPAT)		 4.12 0.36 4.43 4.21 3.84 -11 5.77 6.21 8.33 7.44 3.73
NOPAT Margin		 23.75% 2.04% 26.52% 24.59% 21.09% 0.00% 28.57% 29.11% 36.29% 31.73% 13.68%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.68% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 47.28% 44.86% 50.36% 47.90% 47.57% 0.00% 44.22% 42.90% 39.82% 41.55% 42.94%
Operating Expenses to Revenue		 65.01% 62.28% 70.18% 66.80% 66.01% 0.00% 59.70% 58.80% 56.33% 58.06% 76.97%
Earnings before Interest and Taxes (EBIT)		 5.19 0.45 5.61 5.34 4.85 -16 7.29 7.83 11 9.37 4.82
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 5.94 1.13 6.18 5.99 5.60 -15 7.63 8.24 11 9.80 5.36
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.11 1.31 1.10 1.03 1.05 1.00 0.96 1.01 0.97 1.05 1.12
Price to Tangible Book Value (P/TBV)		 1.35 1.56 1.31 1.23 1.24 1.17 1.10 1.16 1.11 1.19 1.30
Price to Revenue (P/Rev)		 2.58 3.37 2.88 2.73 2.96 4.20 3.87 3.88 3.59 2.89 3.34
Price to Earnings (P/E)		 8.19 14.11 12.88 14.27 15.99 0.00 178.67 71.87 29.70 9.16 12.33
Dividend Yield		 5.07% 3.96% 4.78% 5.11% 4.68% 4.53% 5.32% 4.96% 5.01% 4.52% 4.29%
Earnings Yield		 12.21% 7.09% 7.76% 7.01% 6.25% 0.00% 0.56% 1.39% 3.37% 10.92% 8.11%
Enterprise Value to Invested Capital (EV/IC)		 0.91 0.97 0.76 0.84 0.81 0.83 0.75 0.85 0.73 0.90 0.81
Enterprise Value to Revenue (EV/Rev)		 5.22 5.25 4.32 4.78 4.60 7.00 4.66 4.88 3.54 3.23 3.19
Enterprise Value to EBITDA (EV/EBITDA)		 11.88 15.33 13.40 17.07 16.94 151.17 66.51 47.22 19.70 7.75 8.82
Enterprise Value to EBIT (EV/EBIT)		 13.11 17.43 15.28 19.78 19.69 0.00 178.76 73.31 23.44 8.11 9.30
Enterprise Value to NOPAT (EV/NOPAT)		 15.72 22.00 19.32 25.02 24.91 0.00 215.26 90.41 29.35 10.23 11.78
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.57 12.36 12.42 12.18 12.94 15.66 9.19 11.33 7.50 8.36 9.81
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 55.51 12.40 0.00 4.68 4.90 2.40 2.03 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.47 1.10 1.17 1.16 1.01 1.01 0.54 0.50 0.31 0.31 0.31
Long-Term Debt to Equity		 0.83 0.69 0.83 0.81 0.74 0.48 0.54 0.38 0.31 0.25 0.31
Financial Leverage		 0.97 0.95 1.01 1.19 1.22 1.05 0.82 0.79 0.63 0.63 0.41
Leverage Ratio		 12.98 12.20 12.20 12.31 12.38 11.45 11.54 11.29 10.90 10.41 10.49
Compound Leverage Factor		 12.98 12.20 12.20 12.31 12.38 11.45 11.54 11.29 10.90 10.41 10.49
Debt to Total Capital		 59.44% 52.27% 53.82% 53.60% 50.22% 50.16% 34.95% 33.16% 23.48% 23.44% 23.71%
Short-Term Debt to Total Capital		 25.58% 19.53% 15.30% 15.88% 13.34% 26.40% 0.00% 7.86% 0.00% 4.65% 0.00%
Long-Term Debt to Total Capital		 33.85% 32.75% 38.52% 37.72% 36.88% 23.76% 34.95% 25.31% 23.48% 18.79% 23.71%
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		 40.56% 47.73% 46.18% 46.40% 49.78% 49.84% 65.05% 66.84% 76.52% 76.56% 76.29%
Debt to EBITDA		 7.74 8.25 9.51 10.94 10.45 90.97 31.05 18.42 6.31 2.02 2.57
Net Debt to EBITDA		 6.00 5.50 4.47 7.33 6.06 60.34 11.31 9.68 -0.23 0.81 -0.42
Long-Term Debt to EBITDA		 4.41 5.17 6.81 7.70 7.67 43.10 31.05 14.05 6.31 1.62 2.57
Debt to NOPAT		 10.25 11.83 13.71 16.04 15.37 -1,189.71 100.50 35.26 9.41 2.67 3.43
Net Debt to NOPAT		 7.95 7.89 6.44 10.75 8.92 -789.16 36.60 18.54 -0.35 1.07 -0.56
Long-Term Debt to NOPAT		 5.84 7.41 9.81 11.29 11.29 -563.64 100.50 26.91 9.41 2.14 3.43
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)		 -171 -79 -63 -3.00 17 -60 59 62 94 120 -29
Operating Cash Flow to CapEx		 3,019.30% 733.08% 767.33% 1,708.26% 810.65% 327.61% 976.18% 402.80% 900.58% 817.04% 1,318.02%
Free Cash Flow to Firm to Interest Expense		 -18.09 -7.29 -5.14 -0.24 1.34 -4.68 4.82 5.07 8.05 9.88 -2.11
Operating Cash Flow to Interest Expense		 0.73 0.62 0.35 0.71 0.37 0.37 0.74 0.56 0.80 0.73 0.43
Operating Cash Flow Less CapEx to Interest Expense		 0.70 0.54 0.30 0.67 0.32 0.26 0.67 0.42 0.71 0.64 0.40
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.02 0.02 0.03 0.03 0.04 0.04
Fixed Asset Turnover		 4.09 3.93 3.86 3.85 3.89 2.72 2.85 2.95 3.11 4.13 4.17
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 406 379 392 393 393 428 339 337 307 316 372
Invested Capital Turnover		 0.22 0.21 0.19 0.18 0.17 0.13 0.15 0.16 0.18 0.24 0.27
Increase / (Decrease) in Invested Capital		 175 79 67 7.21 -13 49 -53 -55 -86 -112 33
Enterprise Value (EV)		 370 369 298 328 320 357 254 287 225 284 303
Market Capitalization		 183 236 198 187 205 215 211 228 228 254 317
Book Value per Share		 $20.41 $22.44 $22.34 $22.50 $24.20 $26.39 $23.83 $24.34 $25.36 $26.14 $26.07
Tangible Book Value per Share		 $16.75 $18.79 $18.71 $18.86 $20.56 $22.75 $20.65 $21.17 $22.19 $22.97 $22.43
Total Capital		 406 379 392 393 393 428 339 337 307 316 372
Total Debt		 241 198 211 210 197 215 119 112 72 74 88
Total Long-Term Debt		 137 124 151 148 145 102 119 85 72 59 88
Net Debt		 187 132 99 141 115 143 43 59 -2.66 30 -14
Capital Expenditures (CapEx)		 0.23 0.92 0.55 0.53 0.57 1.47 0.93 1.68 1.04 1.07 0.46
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 1.41 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 241 198 211 210 197 215 119 112 72 74 88
Total Depreciation and Amortization (D&A)		 0.75 0.67 0.57 0.65 0.75 0.66 0.35 0.41 0.41 0.43 0.54
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.51 $0.05 $0.55 $0.52 $0.48 ($1.57) $0.63 $0.67 $0.89 $0.82 $0.35
Adjusted Weighted Average Basic Shares Outstanding		 8.07M 8.11M 8.10M 8.09M 8.09M 9.26M 9.26M 9.26M 9.26M 10.89M 10.89M
Adjusted Diluted Earnings per Share		 $0.51 $0.04 $0.55 $0.52 $0.48 ($1.57) $0.63 $0.67 $0.89 $0.82 $0.35
Adjusted Weighted Average Diluted Shares Outstanding		 8.07M 8.11M 8.10M 8.09M 8.09M 9.26M 9.26M 9.26M 9.26M 10.89M 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		 8.07M 8.11M 8.10M 8.09M 8.09M 9.26M 9.26M 9.26M 9.26M 10.89M 10.89M
Normalized Net Operating Profit after Tax (NOPAT)		 4.12 0.36 4.43 4.21 3.84 -11 5.77 6.21 8.33 7.44 7.55
Normalized NOPAT Margin		 23.75% 2.04% 26.52% 24.59% 21.09% 0.00% 28.57% 29.11% 36.29% 31.73% 27.70%
Pre Tax Income Margin		 29.90% 2.60% 33.55% 31.18% 26.61% 0.00% 36.06% 36.75% 45.86% 39.94% 17.68%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.55 0.04 0.46 0.42 0.39 -1.25 0.60 0.65 0.90 0.77 0.35
NOPAT to Interest Expense		 0.44 0.03 0.36 0.33 0.31 -0.87 0.47 0.51 0.71 0.62 0.27
EBIT Less CapEx to Interest Expense		 0.52 -0.04 0.41 0.38 0.34 -1.36 0.52 0.51 0.81 0.69 0.32
NOPAT Less CapEx to Interest Expense		 0.41 -0.05 0.32 0.29 0.26 -0.99 0.40 0.37 0.62 0.53 0.24
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 39.73% 56.19% 61.53% 72.76% 74.99% -6,074.38% 861.10% 334.14% 144.15% 41.39% 47.14%
Augmented Payout Ratio		 54.12% 74.69% 61.53% 77.36% 80.43% -6,513.75% 950.25% 349.02% 149.06% 42.70% 47.18%

Financials Breakdown Chart

Key Financial Trends

Norwood Financial (NASDAQ: NWFL) showed a mixed but generally improving operating picture in Q1 2026, even as some balance-sheet and expense trends deserve attention. The quarter included solid net interest income, positive operating cash flow, and a notably higher reserve build versus the prior quarter. However, earnings declined sharply from Q4 2025, and the company also booked a sizable restructuring charge.

  • Net income remained profitable in Q1 2026 at $3.7 million, though it was down from $7.4 million in Q4 2025 and $5.8 million in Q1 2025.
  • Operating cash flow was strong at $6.0 million, up from $4.8 million in Q4 2025 and in line with the bank’s ability to generate cash from core operations.
  • Net interest income improved to $24.6 million from $20.9 million in Q4 2025, helped by a higher asset base and stronger loan interest income.
  • Total assets rose to $2.92 billion from $2.41 billion a year earlier, reflecting meaningful balance-sheet expansion.
  • Loans and leases, net, increased to $2.21 billion from $1.80 billion in Q3 2025, suggesting continued loan growth.
  • Deposits also grew, with total deposits reaching about $2.51 billion versus $2.07 billion in Q3 2025, supporting funding growth.
  • Book equity improved to $283.9 million from $234.9 million in Q3 2025, but equity remains modest relative to the size of the balance sheet.
  • Non-interest income was fairly stable at $2.7 million, indicating the company still relies heavily on spread income rather than fee income.
  • Cash dividends of $0.32 per share were maintained, which signals ongoing shareholder returns but also continues to consume capital.
  • Net income fell sharply quarter over quarter, from $7.4 million in Q4 2025 to $3.7 million in Q1 2026, showing earnings volatility.
  • Non-interest expense jumped to $21.0 million from $13.6 million in Q4 2025, driven in part by a $4.9 million restructuring charge.
  • Provision for credit losses increased to $1.46 million from $468,000 in Q4 2025, implying management saw more credit risk.
  • Cash and equivalents dropped to $25.5 million from $50.3 million in Q3 2025, even though total liquidity remains supported by deposit growth and securities activity.
  • Long-term debt rose to $88.3 million from $72.1 million in Q3 2025, while interest expense remained meaningful.

Looking at the longer trend, NWFL has grown materially from 2024 into 2026: loans, deposits, assets, and equity are all higher than they were a year ago. That said, the path has not been smooth. Quarterly earnings have been uneven, credit costs can swing quickly, and the large restructuring charge in Q1 2026 suggests management is still working through integration or efficiency issues.

Bottom line: Norwood Financial appears to be growing, but investors should watch whether that growth translates into more consistent earnings and better expense control. The balance sheet is bigger, deposits are up, and core cash generation is healthy, but the jump in expenses and credit provisioning is a reminder that execution remains key.

07/03/26 06:45 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. Find out what analysts predict for Norwood Financial in the coming months.

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%.

Norwood Financial's total liabilities were at $2.18 billion at the end of 2025, a 3.7% increase from 2024, and a 236.1% increase since 2015.

In the past 10 years, Norwood Financial's cash and equivalents has ranged from $9.74 million in 2015 to $32.12 million in 2025, and is currently $32.12 million as of their latest financial filing in 2025.

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%.


Related Companies

Financial statements for NASDAQ:NWFL last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
From Our Partners
Trump's gold order: the announcement they won't put on the front page
On August 15, 1971, Nixon interrupted prime-time television and ended the gold standard in 15 minutes - no deb...
Reagan Gold Group | Sponsoredtc pixel
Trump Takes Emergency Action - Plus Elon Musk's New Venture
Elon Musk has quietly launched a new venture - one that has nothing to do with rockets, EVs, or Neuralink. Tru...
Altimetry | Sponsoredtc pixel
Do NOT Buy SpaceX – Do This Instead
SpaceX just went public - and Whitney Tilson, Harvard MBA and 30-year Wall Street veteran, says buying in coul...
Stansberry Research | Sponsoredtc pixel
SPCX Warning - and Worst News for Stocks in 50 Years
Goldman Sachs and Morgan Stanley are now predicting what could be the worst news for the U.S. stock market in ...
TradeSmith | Sponsoredtc pixel
CODE RED: AI Meltdown Imminent?
After correctly predicting the 2008 and 2020 stock market meltdowns, I believe this AI company is about to tri...
Paradigm Press | Sponsoredtc pixel
Trump just signed it
A recent policy development is drawing attention from income-focused investors. According to one analyst, c...
Investors Alley | Sponsoredtc pixel
From the man who predicted 2008 crash…
Porter Stansberry, founder of one of the largest financial research firms in the world, says he's breaking the...
Porter & Company | Sponsoredtc pixel
Your $29.97 book is free today
Why Some Traders Skip Stocks Entirely You don't need a big account to trade options. In fact, options ca...
Profits Run | Sponsoredtc pixel