Norwood Financial Corp.

NWFL Financial Banks Regional

Norwood Financial Corp.’s revenue for fiscal 2025 (year ended December 2025) was $136.1 million, up 34.2% from fiscal 2024. In the quarter to June 2026, revenue grew 28.5%, EPS grew 28.4%, free cash flow grew 65.6% and total debt fell 23.2%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.

33.84 0.38 +1.14%
Market cap
$364.8M
P/E
11.7×
Fwd P/E
10.1×
Dividend yield
3.78%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a

A Balance Sheet is a financial statement that provides a snapshot of a company's assets, liabilities, and shareholders' equity at a specific point in time. It follows the formula: Assets = Liabilities + Shareholders' Equity. Key components include current and non-current assets, current and long-term liabilities, and equity. The Balance Sheet helps businesses and investors evaluate financial stability, liquidity, and capital structure. It's essential for assessing the company's ability to meet its obligations and fund future operations.

Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21 Dec '22 Dec '23 Dec '24 Dec '25
Cash and Short Term Investments
17.17 16.70 18.35 15.42 111.69 206.68 31.87 66.12 72.34 44.44
Total current assets
728.24 776.87 863.85 935.21 1,515.51 1,551.06 1,495.73 1,658.89 1,774.60 1,887.23
Property, Plant, Equpment (Net)
13.53 13.86 13.85 14.23 17.81 17.29 17.92 17.84 19.66 22.97
Long-Term Investments
304.68 284.63 247.20 215.05 230.57 410.71 424.35 413.58 411.21 415.41
Goodwill and Intangible Assets (Total)
11.94 11.79 11.67 11.57 29.82 29.67 29.57 29.49 29.42 29.36
Long Term Assets (Tax, Deferred)
8.99 — — — — 8.79 23.55 21.35 17.70 14.65
Long-term assets (Other)
43.79 45.76 47.99 54.56 58.16 50.98 55.95 59.93 64.88 55.22
Total non-current assets
382.94 356.05 320.71 295.40 336.36 517.45 551.34 542.19 542.86 537.62
Total Assets
1,111.18 1,132.92 1,184.56 1,230.61 1,851.86 2,068.50 2,047.07 2,201.08 2,317.46 2,424.84
Notes Payable
32.81 42.53 53.05 62.26 63.30 60.82 93.22 74.08 113.07 14.71
Accounts Payable
925.39 929.38 946.78 957.53 1,535.39 1,756.79 1,727.73 1,795.16 1,859.16 2,078.65
Accrued Expenses
1.07 1.43 1.81 2.43 1.60 1.20 2.65 10.51 12.62 12.14
Total current liabilities
959.27 973.35 1,001.63 1,022.22 1,600.29 1,818.82 1,823.60 1,879.75 1,984.85 2,105.50
Long Term Debt (Total)
32.00 35.95 52.28 56.44 42.46 30.00 40.00 124.24 101.79 59.42
Non-current Liabilities (Other)
8.84 7.88 8.36 14.53 14.33 14.43 16.39 16.03 17.31 17.77
Total non-current liabilities
40.84 43.83 60.64 70.97 56.79 44.42 56.39 140.26 119.11 77.19
Total liabilities
1,000.10 1,017.18 1,062.27 1,093.18 1,657.08 1,863.24 1,879.99 2,020.01 2,103.95 2,182.69
Additional Paid In Capital
47.68 47.43 48.32 49.47 95.39 96.44 96.90 97.70 126.51 127.43
Common Stock (Net)
0.42 0.63 0.63 0.63 0.82 0.83 0.83 0.83 0.95 0.95
Retained Earnings
67.23 70.43 78.43 86.54 93.80 110.02 130.02 135.28 124.96 141.13
Treasury Stock
0.13 0.08 0.08 0.40 0.34 1.77 3.31 5.40 5.80 6.01
Common Equity (Total)
111.08 115.74 122.29 137.43 194.79 205.26 167.09 181.07 213.51 242.16
Shareholders Equity (Total)
111.08 115.74 122.29 137.43 194.79 205.26 167.09 181.07 213.51 242.16
Shareholders Equity and Liabilities (Total)
1,111.18 1,132.92 1,184.56 1,230.61 1,851.86 2,068.50 2,047.07 2,201.08 2,317.46 2,424.84
Shares (Common)
4.16 6.25 6.29 6.33 8.24 8.20 8.17 8.11 9.27 9.29
Shareholders Equity (Tangible)
99.14 103.95 110.62 125.86 164.97 175.59 137.51 151.58 184.09 212.79
Net Debt
14.83 19.25 33.94 41.02 (69.23) (176.68) 8.13 58.12 29.45 14.98
Total Debt
32.00 35.95 52.28 56.44 42.46 30.00 40.00 124.24 101.79 59.42

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In millions of $ except per-share values · columns are period end dates