Norwood Financial Corp. (NWFL)
NASDAQ: NWFL · Real-Time Price · USD
35.68
-0.19 (-0.53%)
Nov 6, 2026, 4:00 PM EST - Market closed
Norwood Financial Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 & Equivalents | 72.52 | 44.44 | 72.34 | 66.12 | 31.87 | 206.68 |
Investment Securities | 429.49 | 134.58 | 118.24 | 199.08 | 188.03 | 181.23 |
Trading Asset Securities | - | 0.77 | 1.19 | 1.23 | 1.46 | 0.24 |
Mortgage-Backed Securities | - | 274.2 | 279.61 | 207.18 | 230.9 | 225.55 |
Total Investments | 429.49 | 409.55 | 399.04 | 407.48 | 420.39 | 407.02 |
Gross Loans | 2,294 | 1,854 | 1,714 | 1,604 | 1,474 | 1,356 |
Allowance for Loan Losses | -25.15 | -19.88 | -19.84 | -18.97 | -17 | -16.44 |
Other Adjustments to Gross Loans | - | -0.45 | -0.44 | -0.26 | -0.48 | -1.11 |
Net Loans | 2,269 | 1,834 | 1,694 | 1,585 | 1,457 | 1,338 |
Property, Plant & Equipment | 25.14 | 26.27 | 23.43 | 21.74 | 22.03 | 21.8 |
Goodwill | 36.38 | 29.27 | 29.27 | 29.27 | 29.27 | 29.27 |
Other Intangible Assets | 2.99 | 0.1 | 0.15 | 0.22 | 0.31 | 0.41 |
Accrued Interest Receivable | 10.61 | 9.25 | 8.47 | 8.12 | 6.92 | 5.89 |
Long-Term Deferred Tax Assets | 22.98 | 14.65 | 17.7 | 21.35 | 23.55 | 8.79 |
Other Real Estate Owned & Foreclosed | 0.77 | 0.77 | - | 0.1 | 0.35 | 1.74 |
Other Long-Term Assets | 81.35 | 57.01 | 73.28 | 62.02 | 55.45 | 48.42 |
Total Assets | 2,952 | 2,425 | 2,317 | 2,201 | 2,047 | 2,069 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Interest Bearing Deposits | 2,021 | 1,369 | 1,205 | 1,126 | 1,080 | 1,059 |
Institutional Deposits | - | 289.85 | 272.97 | 269.5 | 213.62 | 257.24 |
Non-Interest Bearing Deposits | 487.75 | 419.6 | 381.48 | 399.55 | 434.53 | 440.65 |
Total Deposits | 2,509 | 2,079 | 1,859 | 1,795 | 1,728 | 1,757 |
Short-Term Borrowings | 56.12 | 15.49 | 134.26 | 104.08 | 133.22 | 60.82 |
Current Portion of Long-Term Debt | - | 30 | 41.94 | - | - | 2.98 |
Current Portion of Leases | - | 0.61 | - | - | - | - |
Accrued Interest Payable | 10.47 | 12.14 | 12.62 | 10.51 | 2.65 | 1.2 |
Long-Term Debt | 62.73 | 10 | 10 | 1.23 | 1.46 | 0.24 |
Federal Home Loan Bank Debt, Long-Term | - | 19.42 | 29.85 | 94.24 | - | 27.02 |
Long-Term Leases | - | 2.79 | 3.89 | 4.01 | 4.2 | 4.58 |
Pension & Post-Retirement Benefits | - | 3.66 | 3.67 | 3.7 | 3.52 | 3.48 |
Other Long-Term Liabilities | 29.9 | 9.94 | 8.56 | 7.09 | 7.21 | 6.13 |
Total Liabilities | 2,668 | 2,183 | 2,104 | 2,020 | 1,880 | 1,863 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Common Stock | 1.12 | 0.95 | 0.95 | 0.83 | 0.83 | 0.83 |
Additional Paid-In Capital | 174.65 | 127.43 | 126.51 | 97.7 | 96.9 | 96.44 |
Retained Earnings | 154.96 | 141.13 | 124.96 | 135.28 | 130.02 | 110.02 |
Treasury Stock | -7.39 | -6.01 | -5.8 | -5.4 | -3.31 | -1.77 |
Comprehensive Income & Other | -39.97 | -21.34 | -33.12 | -47.35 | -57.35 | -0.26 |
Shareholders' Equity | 283.36 | 242.16 | 213.51 | 181.07 | 167.09 | 205.26 |
Total Liabilities & Equity | 2,952 | 2,425 | 2,317 | 2,201 | 2,047 | 2,069 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Total Debt | 118.85 | 78.31 | 219.95 | 203.55 | 138.87 | 95.63 |
Net Cash (Debt) | -46.33 | -33.1 | -146.41 | -136.21 | -105.54 | 111.28 |
Net Cash Growth | - | - | - | - | - | 11651.21% |
Net Cash Per Share | -4.41 | -3.58 | -18.09 | -16.85 | -12.91 | 13.57 |
Filing Date Shares Outstanding | 10.86 | 10.83 | 9.21 | 8.06 | 8.14 | 8.17 |
Total Common Shares Outstanding | 10.86 | 9.24 | 9.22 | 8.06 | 8.12 | 8.17 |
Book Value Per Share | 26.10 | 26.22 | 23.16 | 22.45 | 20.57 | 25.13 |
Tangible Book Value | 243.99 | 212.79 | 184.09 | 151.58 | 137.51 | 175.59 |
Tangible Book Value Per Share | 22.47 | 23.04 | 19.97 | 18.80 | 16.93 | 21.49 |