Norwood Financial Corp. (NWFL)

NASDAQ: NWFL · Real-Time Price · USD

33.78

+0.12 (0.36%)

Sep 25, 2026, 4:00 PM EDT - Market closed

Norwood Financial Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	99.69	86.17	48.37	64.64	77.43	69.47
Revenue Growth	84.75%	78.16%	-25.18%	-16.51%	11.45%	31.56%
Net Income	28.84	27.76	-0.16	16.76	29.23	24.92
Earnings Per Share	2.88	3.01	-0.02	2.07	3.58	3.04
EPS Growth	686.10%	-	-	-42.18%	17.76%	45.45%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	61.09	45.21	73.53	67.35	33.33	206.92
Total Debt	66.32	78.31	219.95	203.55	138.87	95.63
Net Cash (Debt)	-5.22	-33.1	-146.41	-136.21	-105.54	111.28
Net Cash Growth	-	-	-	-	-	11651.21%
Net Cash Per Share	-0.52	-3.58	-18.09	-16.85	-12.91	13.57

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	33.02	33.97	22.81	29.82	30.73	29.2
Capital Expenditures	-3.06	-4.72	-3.13	-1.41	-2.15	-1.26
Free Cash Flow	29.95	29.25	19.68	28.41	28.58	27.94
Free Cash Flow Growth	45.02%	48.61%	-30.73%	-0.59%	2.29%	114.13%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	28.93%	32.21%	-0.33%	25.92%	37.76%	35.86%
FCF Margin	30.05%	33.94%	40.69%	43.95%	36.91%	40.22%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 27, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.280	1.250	1.210	1.170	1.130	1.060
Dividend Per Share Growth	3.23%	3.31%	3.42%	3.54%	6.60%	4.95%
Dividend Yield	3.79%	4.60%	4.83%	4.03%	3.99%	5.02%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 27, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	11.75	9.31	-	15.77	9.26	8.49
Forward PE	8.98	8.40	-	-	-	-
P/FCF Ratio	12.23	8.84	12.72	9.30	9.47	7.57
PS Ratio	3.67	3.00	5.18	4.09	3.50	3.05