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

	Older periods	Sep '25	Dec '25	Mar '26	Jun '26
P/E ratio Full definition →	+8 more quarters Free account	39.11	9.38	10.86	11.09
P/S ratio Full definition →		2.11	1.90	2.19	2.26
P/FCF ratio Full definition →		9.52	8.85	11.90	11.63
P/Operating CF Full definition →		25.36	29.51	52.83	39.11
P/B ratio Full definition →		1.01	1.07	1.12	1.20
Price to Tangible BV Full definition →		1.15	1.22	1.30	1.39
EV/Sales Full definition →		2.08	2.01	2.09	2.29
EV/EBITDA Full definition →		0.00	0.00	0.00	0.00
EV/Operating CF Full definition →		7.81	8.06	9.80	10.71
EV/FCF Full definition →		9.41	9.37	11.36	11.80
Quick Ratio Full definition →		0.04	0.02	0.04	0.02
Current Ratio Full definition →		0.90	0.90	0.93	0.91
Net Debt/EBITDA Full definition →		0.00	0.00	0.00	0.00
Debt/Assets Full definition →		2.99%	2.45%	3.03%	2.25%
Debt/Equity Full definition →		0.31	0.25	0.31	0.23
Asset Turnover Full definition →		0.05	0.06	0.05	0.06
Operating CF/Net income Full definition →		1.12	1.18	1.61	0.95
Capex/Depreciation Full definition →		(2.52)	(2.48)	(0.85)	(1.24)
Research and Development Expense of Revenue Full definition →		0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →		35.80%	36.10%	42.20%	40.76%
Intangible Assets out of Total Assets Full definition →		0.01	0.01	0.01	0.01
Share Based Compensation of Revenue Full definition →		0.18%	0.17%	0.18%	0.17%
Graham Net Nets Full definition →		(1.26)	(1.14)	(0.96)	(0.89)
Graham Number Full definition →		19.20	42.01	40.10	41.77
Earnings Yield Full definition →		2.56%	10.66%	9.21%	9.02%
Free Cash Flow Yield Full definition →		10.51%	11.30%	8.40%	8.60%
Revenue per Share Full definition →		3.72	3.85	3.82	3.97
Operating CF per Share Full definition →		1.00	0.95	0.56	0.82
Capex per Share Full definition →		(0.11)	(0.12)	(0.04)	(0.05)
Free Cash Flow per Share Full definition →		0.89	0.83	0.51	0.78
Cash per Share Full definition →		8.02	4.81	9.52	5.56
Shareholders Equity per Share Full definition →		25.22	26.23	26.37	26.73
Interest Debt per Share Full definition →		0.00	0.00	0.00	0.00
Book value per Share Full definition →		25.22	26.23	26.37	26.73
Free Cash Flow Full definition →		8.30	7.70	5.54	8.41
Working Capital Full definition →		(205.60)	(218.27)	(188.69)	(215.24)
Capital Expenditures Full definition →		(1.04)	(1.07)	(0.45)	(0.50)
Net Current Asset Value Full definition →		(298.86)	(295.46)	(305.62)	(310.24)
EV/EBIT Full definition →		0.00	0.00	0.00	0.00
Capex to Sales Full definition →		0.03	0.03	0.01	0.01
Price to Operating Income Full definition →		24.69	7.14	8.18	8.18
Other line items
Average Payables Full definition →		1,964.61	1,968.90	2,255.57	2,256.07
Average Assets Full definition →		2,345.85	2,371.15	2,646.65	2,636.63
Average Common Equity Full definition →		215.28	227.83	252.32	257.53

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Columns are period end dates

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