Saturday 17 October 2026 Export NWFL’s income statement to Excel — free account

Norwood Financial Corp.

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%

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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

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	18.31	24.98	15.07	17.21	12.96	8.55	9.25	15.30	2,721.00	9.38
Piotroski F-Score Full definition →	5	8	6	5	5	6	6	6	4	8
P/S ratio Full definition →	3.29	4.46	4.15	4.50	2.85	2.68	3.16	2.46	2.17	1.90
P/FCF ratio Full definition →	10.66	11.21	10.61	13.82	13.79	7.49	8.89	8.78	11.13	8.85
P/Operating CF Full definition →	35.80	56.72	63.49	65.09	39.46	34.30	42.54	38.02	45.82	29.51
P/B ratio Full definition →	1.11	1.77	1.68	1.77	0.97	1.04	1.62	1.41	1.03	1.07
Price to Tangible BV Full definition →	1.24	1.97	1.86	1.93	1.14	1.21	1.96	1.68	1.20	1.22
EV/Sales Full definition →	3.69	4.88	4.83	5.26	1.80	0.45	3.25	3.02	2.46	2.01
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	12.12	13.96	13.85	15.43	8.64	1.23	9.05	10.51	10.95	8.06
EV/FCF Full definition →	11.94	12.26	12.36	16.15	8.72	1.26	9.15	10.78	12.62	9.37
Quick Ratio Full definition →	0.02	0.02	0.02	0.02	0.07	0.11	0.02	0.04	0.04	0.02
Current Ratio Full definition →	0.76	0.80	0.86	0.91	0.95	0.85	0.82	0.88	0.89	0.90
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	2.88%	3.17%	4.41%	4.59%	2.29%	1.45%	1.95%	5.64%	4.39%	2.45%
Debt/Equity Full definition →	0.29	0.31	0.43	0.41	0.22	0.15	0.24	0.69	0.48	0.25
Asset Turnover Full definition →	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.04	0.06
Operating CF/Net income Full definition →	1.70	1.96	1.27	1.30	0.91	1.17	1.05	1.78	(142.54)	1.22
Capex/Depreciation Full definition →	0.07	0.70	(0.04)	(0.32)	(0.05)	2.22	(0.12)	(0.26)	(1.15)	(2.95)
ROE Full definition →	6.33%	7.23%	11.47%	10.95%	9.08%	12.46%	15.70%	9.63%	(0.08%)	12.18%
ROA Full definition →	0.72%	0.73%	1.18%	1.18%	0.98%	1.27%	1.42%	0.79%	(0.01%)	1.17%
ROIC Full definition →	5.16%	6.83%	6.48%	5.89%	10.16%	67.49%	12.98%	5.53%	(0.07%)	8.81%
Return on Tangible Assets Full definition →	(3.09%)	(4.49%)	(11.01%)	(19.53%)	(22.52%)	(9.95%)	(9.43%)	(8.26%)	0.08%	(14.21%)
Average Days of Receivables Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	0.19%	0.20%	0.48%	0.38%	0.31%	0.27%	0.31%	0.39%	0.34%	0.18%
Graham Net Nets Full definition →	(2.21)	(1.17)	(0.96)	(0.65)	(0.75)	(1.47)	(1.42)	(1.41)	(1.50)	(1.14)
Graham Number Full definition →	22.37	23.53	31.09	33.41	35.06	41.43	40.73	32.34	2.44	42.01
Earnings Yield Full definition →	5.46%	4.00%	6.64%	5.81%	7.72%	11.70%	10.81%	6.54%	0.04%	10.66%
Free Cash Flow Yield Full definition →	9.38%	8.92%	9.42%	7.23%	7.25%	13.36%	11.25%	11.39%	8.99%	11.30%
Revenue per Share Full definition →	6.46	7.39	7.95	8.64	9.20	9.71	10.52	12.86	12.53	14.75
Operating CF per Share Full definition →	1.96	2.58	2.78	2.95	1.92	3.57	3.78	3.70	2.82	3.68
Capex per Share Full definition →	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 Full definition →	1.99	2.94	2.76	2.81	1.90	3.47	3.74	3.61	2.45	3.17
Cash per Share Full definition →	2.96	2.69	2.94	2.46	15.51	25.27	3.92	8.20	8.94	4.81
Shareholders Equity per Share Full definition →	19.17	18.64	19.62	21.95	27.04	25.10	20.53	22.46	26.38	26.23
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	19.17	18.64	19.62	21.95	27.04	25.10	20.53	22.46	26.38	26.23
Free Cash Flow Full definition →	11.55	18.27	17.20	17.62	13.67	28.39	30.40	29.08	19.79	29.25
Working Capital Full definition →	(231.02)	(196.48)	(137.78)	(87.01)	(84.78)	(267.76)	(327.87)	(220.85)	(210.25)	(218.27)
Capital Expenditures Full definition →	0.17	2.22	(0.10)	(0.82)	(0.13)	(0.81)	(0.33)	(0.75)	(3.02)	(4.72)
Net Current Asset Value Full definition →	(271.86)	(240.31)	(198.42)	(157.98)	(141.57)	(312.18)	(384.26)	(361.12)	(329.35)	(295.46)
EV/EBIT Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.00	(0.05)	0.00	0.02	0.00	0.01	0.00	0.01	0.03	0.03
Price to Operating Income Full definition →	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 Full definition →	0.18	0.23	0.20	0.18	0.15	(0.02)	0.15	0.16	0.13	0.07
Cash ROIC Full definition →	7.21%	10.85%	8.92%	8.42%	3.92%	6.42%	12.72%	7.83%	5.10%	8.45%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	0.01	0.00	0.01	0.01	0.01	0.00	0.00	0.02	0.03	0.02
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	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 Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Payables Full definition →	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 Full definition →	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 Full definition →	106.04	113.41	119.01	129.86	166.11	200.02	186.17	174.08	197.29	227.83

Show all line items

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