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

Fold the line items

Columns are period end dates

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