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Friday 6 November 2026
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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.
- Revenue
- +27.9%
- EPS
- +21.4%
- Free cash flow
- +65.6%
- Total debt
- −13.0%
Quarter to September 2026, against a year earlier
35.96
0.63
−1.72%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
18.31 | 24.98 | 15.07 | 17.21 | 12.96 | 8.55 | 9.25 | 15.30 | 2,721.00 | 9.38 |
Piotroski F-Score |
5 | 8 | 6 | 5 | 5 | 6 | 6 | 6 | 4 | 8 |
P/S ratio |
3.29 | 4.46 | 4.15 | 4.50 | 2.85 | 2.68 | 3.16 | 2.46 | 2.17 | 1.90 |
P/FCF ratio |
10.66 | 11.21 | 10.61 | 13.82 | 13.79 | 7.49 | 8.89 | 8.78 | 11.13 | 8.85 |
P/Operating CF |
35.80 | 56.72 | 63.49 | 65.09 | 39.46 | 34.30 | 42.54 | 38.02 | 45.82 | 29.51 |
P/B ratio |
1.11 | 1.77 | 1.68 | 1.77 | 0.97 | 1.04 | 1.62 | 1.41 | 1.03 | 1.07 |
Price to Tangible BV |
1.24 | 1.97 | 1.86 | 1.93 | 1.14 | 1.21 | 1.96 | 1.68 | 1.20 | 1.22 |
EV/Sales |
3.69 | 4.88 | 4.83 | 5.26 | 1.80 | 0.45 | 3.25 | 3.02 | 2.46 | 2.01 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
12.12 | 13.96 | 13.85 | 15.43 | 8.64 | 1.23 | 9.05 | 10.51 | 10.95 | 8.06 |
EV/FCF |
11.94 | 12.26 | 12.36 | 16.15 | 8.72 | 1.26 | 9.15 | 10.78 | 12.62 | 9.37 |
Quick Ratio |
0.02 | 0.02 | 0.02 | 0.02 | 0.07 | 0.11 | 0.02 | 0.04 | 0.04 | 0.02 |
Current Ratio |
0.76 | 0.80 | 0.86 | 0.91 | 0.95 | 0.85 | 0.82 | 0.88 | 0.89 | 0.90 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
2.88% | 3.17% | 4.41% | 4.59% | 2.29% | 1.45% | 1.95% | 5.64% | 4.39% | 2.45% |
Debt/Equity |
0.29 | 0.31 | 0.43 | 0.41 | 0.22 | 0.15 | 0.24 | 0.69 | 0.48 | 0.25 |
Asset Turnover |
0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.04 | 0.06 |
Operating CF/Net income |
1.70 | 1.96 | 1.27 | 1.30 | 0.91 | 1.17 | 1.05 | 1.78 | (142.54) | 1.22 |
Capex/Depreciation |
0.07 | 0.70 | (0.04) | (0.32) | (0.05) | 2.22 | (0.12) | (0.26) | (1.15) | (2.95) |
| 6.33% | 7.23% | 11.47% | 10.95% | 9.08% | 12.46% | 15.70% | 9.63% | (0.08%) | 12.18% | |
| 0.72% | 0.73% | 1.18% | 1.18% | 0.98% | 1.27% | 1.42% | 0.79% | (0.01%) | 1.17% | |
ROIC |
5.16% | 6.83% | 6.48% | 5.89% | 10.16% | 67.49% | 12.98% | 5.53% | (0.07%) | 8.81% |
Return on Tangible Assets |
(3.09%) | (4.49%) | (11.01%) | (19.53%) | (22.52%) | (9.95%) | (9.43%) | (8.26%) | 0.08% | (14.21%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
62.12% | 58.65% | 55.64% | 52.64% | 56.96% | 53.75% | 48.88% | 47.23% | 50.51% | 37.92% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.19% | 0.20% | 0.48% | 0.38% | 0.31% | 0.27% | 0.31% | 0.39% | 0.34% | 0.18% |
Graham Net Nets |
(2.21) | (1.17) | (0.96) | (0.65) | (0.75) | (1.47) | (1.42) | (1.41) | (1.50) | (1.14) |
Graham Number |
22.37 | 23.53 | 31.09 | 33.41 | 35.06 | 41.43 | 40.73 | 32.34 | 2.44 | 42.01 |
Earnings Yield |
5.46% | 4.00% | 6.64% | 5.81% | 7.72% | 11.70% | 10.81% | 6.54% | 0.04% | 10.66% |
Free Cash Flow Yield |
9.38% | 8.92% | 9.42% | 7.23% | 7.25% | 13.36% | 11.25% | 11.39% | 8.99% | 11.30% |
Revenue per Share |
6.46 | 7.39 | 7.95 | 8.64 | 9.20 | 9.71 | 10.52 | 12.86 | 12.53 | 14.75 |
Operating CF per Share |
1.96 | 2.58 | 2.78 | 2.95 | 1.92 | 3.57 | 3.78 | 3.70 | 2.82 | 3.68 |
Capex per Share |
0.03 | 0.36 | (0.02) | (0.13) | (0.02) | (0.10) | (0.04) | (0.09) | (0.37) | (0.51) |
Free Cash Flow per Share |
1.99 | 2.94 | 2.76 | 2.81 | 1.90 | 3.47 | 3.74 | 3.61 | 2.45 | 3.17 |
Cash per Share |
2.96 | 2.69 | 2.94 | 2.46 | 15.51 | 25.27 | 3.92 | 8.20 | 8.94 | 4.81 |
Shareholders Equity per Share |
19.17 | 18.64 | 19.62 | 21.95 | 27.04 | 25.10 | 20.53 | 22.46 | 26.38 | 26.23 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
19.17 | 18.64 | 19.62 | 21.95 | 27.04 | 25.10 | 20.53 | 22.46 | 26.38 | 26.23 |
Free Cash Flow |
11.55 | 18.27 | 17.20 | 17.62 | 13.67 | 28.39 | 30.40 | 29.08 | 19.79 | 29.25 |
Working Capital |
(231.02) | (196.48) | (137.78) | (87.01) | (84.78) | (267.76) | (327.87) | (220.85) | (210.25) | (218.27) |
Capital Expenditures |
0.17 | 2.22 | (0.10) | (0.82) | (0.13) | (0.81) | (0.33) | (0.75) | (3.02) | (4.72) |
Net Current Asset Value |
(271.86) | (240.31) | (198.42) | (157.98) | (141.57) | (312.18) | (384.26) | (361.12) | (329.35) | (295.46) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | (0.05) | 0.00 | 0.02 | 0.00 | 0.01 | 0.00 | 0.01 | 0.03 | 0.03 |
Price to Operating Income |
11.83 | 13.89 | 12.69 | 14.48 | 9.23 | 6.89 | 7.42 | 12.07 | 0.00 | 7.14 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.18 | 0.23 | 0.20 | 0.18 | 0.15 | (0.02) | 0.15 | 0.16 | 0.13 | 0.07 |
Cash ROIC |
7.21% | 10.85% | 8.92% | 8.42% | 3.92% | 6.42% | 12.72% | 7.83% | 5.10% | 8.45% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.00 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.02 | 0.03 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
92,437.20 | 83,143.42 | 61,087.98 | 40,274.04 | 70,236.31 | 111,382.57 | 86,754.76 | 19,574.97 | 13,467.12 | 15,739.47 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
738.15 | 927.38 | 938.08 | 952.15 | 1,246.46 | 1,646.09 | 1,742.26 | 1,761.44 | 1,827.16 | 1,968.90 |
Average Assets |
930.84 | 1,122.05 | 1,158.74 | 1,207.58 | 1,541.24 | 1,960.18 | 2,057.79 | 2,124.07 | 2,259.27 | 2,371.15 |
Average Common Equity |
106.04 | 113.41 | 119.01 | 129.86 | 166.11 | 200.02 | 186.17 | 174.08 | 197.29 | 227.83 |
Columns are period end dates · fundamentals updated 6 Nov 2026