NORWOOD FINANCIAL CORP
NORWOOD FINANCIAL CORP
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Due From Banks | 31 | 25 | 32 | 50 | 32 | 32 | 28 | 47 | 30 | 20 | 29 | 41 | |||||
Interest Bearing Deposits In Banks | 29 | 75 | 12 | 24 | 21 | 44 | 45 | 36 | 39 | 92 | 38 | 13 | |||||
Federal Funds Sold | - | 2 | - | - | - | - | - | - | - | - | - | - | |||||
Cash And Cash Equivalents At Carrying Value | 60 | 103 | 44 | 75 | 53 | 75 | 72 | 83 | 69 | 112 | 66 | 54 | |||||
Available For Sale Securities Debt Securities | 439 | 431 | 409 | 404 | 402 | 409 | 398 | 397 | 398 | 398 | 406 | 380 | |||||
Financing Receivable Excluding Accrued Interest Af… | - | 2,214 | 1,834 | 1,795 | 1,770 | 1,751 | 1,694 | 1,656 | 1,624 | 1,603 | 1,585 | - | |||||
Assets | |||||||||||||||||
Assets | 2,908 | 2,917 | 2,425 | 2,412 | 2,365 | 2,376 | 2,317 | 2,280 | 2,235 | 2,260 | 2,201 | 2,180 | |||||
Loans And Leases Receivable Net Reported Amount | - | - | - | - | - | - | - | - | - | - | 1,585 | 1,595 | |||||
Federal Home Loan Bank Stock | 6 | 7 | 7 | 6 | 8 | 8 | 13 | 6 | 6 | 7 | 7 | 9 | |||||
Property Plant And Equipment Net | 25 | 25 | 23 | 22 | 22 | 20 | 20 | 19 | 18 | 18 | 18 | 17 | |||||
Bank Owned Life Insurance | 55 | 55 | 46 | 46 | 46 | 47 | 47 | 46 | 46 | 46 | 46 | 46 | |||||
Interest Receivable | 11 | 11 | 9 | 9 | 9 | 9 | 8 | 8 | 8 | 8 | 8 | 8 | |||||
Real Estate Acquired Through Foreclosure | 1 | 1 | 1 | - | - | - | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Deferred Income Tax Assets Net | 20 | 20 | 15 | 17 | 18 | 18 | 18 | 19 | 22 | 22 | 21 | 26 | |||||
Goodwill | 36 | 36 | 29 | 29 | 29 | 29 | 29 | 29 | 29 | 29 | 29 | 29 | |||||
Intangible Assets Net Excluding Goodwill | 3 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Other Assets | 14 | 11 | 8 | 10 | 9 | 10 | 18 | 16 | 14 | 17 | 13 | 15 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Liabilities | |||||||||||||||||
Noninterest Bearing Deposit Liabilities Domestic | 500 | 471 | 420 | 424 | 406 | 391 | 381 | 421 | 392 | 383 | 400 | 430 | |||||
Interest Bearing Deposit Liabilities Domestic | 2,014 | 2,036 | 404 | 1,650 | 1,591 | 1,613 | 316 | 1,434 | 1,419 | 1,456 | 253 | 1,317 | |||||
Deposits | |||||||||||||||||
Deposits | 2,514 | 2,507 | 2,079 | 2,074 | 1,998 | 2,004 | 1,859 | 1,855 | 1,811 | 1,839 | 1,795 | 1,747 | |||||
Deposits Money Market Deposits | - | - | 188 | - | - | - | 184 | - | - | - | 207 | - | |||||
Deposits Savings Deposits | - | - | 201 | - | - | - | 210 | - | - | - | 226 | - | |||||
Time Deposits | - | - | 865 | - | - | - | 768 | - | - | - | 709 | - | |||||
Short Term Borrowings | - | - | 15 | - | 27 | - | 113 | 52 | 62 | 60 | 74 | 104 | |||||
Federal Home Loan Bank Advances Long Term | 66 | 88 | 59 | 72 | 85 | 119 | 102 | 145 | 148 | 151 | 124 | 137 | |||||
Interest Payable Current And Noncurrent | 9 | 10 | 12 | 10 | 11 | 14 | 13 | 13 | 13 | 12 | 11 | 9 | |||||
Other Liabilities | 29 | 29 | 18 | 21 | 19 | 18 | 17 | 19 | 18 | 17 | 16 | 19 | |||||
Liabilities | 2,618 | 2,633 | 2,183 | 2,177 | 2,140 | 2,155 | 2,104 | 2,084 | 2,053 | 2,079 | 2,020 | 2,015 | |||||
Common Stock Value | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Additional Paid In Capital | 174 | 174 | 127 | 127 | 127 | 127 | 127 | 98 | 98 | 98 | 98 | 97 | |||||
Stockholders Equity | |||||||||||||||||
Retained Earnings Accumulated Deficit | 147 | 141 | 141 | 137 | 131 | 128 | 125 | 140 | 139 | 137 | 135 | 137 | |||||
Stockholders Equity | 290 | 284 | 242 | 235 | 225 | 221 | 214 | 196 | 182 | 181 | 181 | 165 | |||||
Treasury Stock Value | -8 | -8 | -6 | -6 | -6 | -6 | -6 | -6 | -6 | -5 | -5 | -6 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -25 | -24 | -21 | -24 | -28 | -29 | -33 | -38 | -50 | -49 | -47 | -65 | |||||
Liabilities And Stockholders Equity | 2,908 | 2,917 | 2,425 | 2,412 | 2,365 | 2,376 | 2,317 | 2,280 | 2,235 | 2,260 | 2,201 | 2,180 | |||||
Debt Securities Available For Sale Allowance For C… | 0 | 0 | - | 0 | 0 | 0 | - | 0 | 0 | 0 | - | 0 | |||||
Financing Receivable Allowance For Credit Loss Exc… | - | 24 | 20 | 20 | 21 | 20 | 20 | 19 | 18 | 18 | 19 | 16 | |||||
Financing Receivable Allowance For Credit Losses | - | - | - | - | - | - | - | - | - | - | 19 | 16 | |||||
Preferred Stock No Par Value | 0 | 0 | - | 0 | 0 | 0 | - | 0 | - | - | - | - | |||||
Preferred Stock Shares Authorized | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | |||||
Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Par Or Stated Value Per Share | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | |||||
Common Stock Shares Authorized | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | |||||
Common Stock Shares Issued | 11 | 11 | 10 | 9 | 9 | 9 | 9 | 8 | 8 | 8 | 8 | 8 | |||||
Treasury Stock Common Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -0.85% | 6.56% | 8.12% | - | - | - | - | - | - | - | - | - |
| 2025 | 1.48% | 0.90% | -2.73% | 11.91% | 7.53% | 11.78% | 7.58% | 6.49% | 5.63% | 6.43% | 10.21% | 7.93% |
| 2024 | 1.28% | 1.56% | 19.36% | 2.79% | 5.58% | 3.32% | -1.47% | -14.70% | -16.07% | -7.21% | 9.28% | 5.63% |
| 2023 | - | - | - | -11.04% | -16.12% | -17.68% | 6.86% | 12.58% | 2.85% | 0.04% | 1.20% | 1.00% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.61 | -0.62 | -0.55 | -0.87 | -0.94 | -0.98 | -0.59 | 0.16 | 0.72 | 1.49 | 1.63 | 2.13 | |||||
Efficiency & Turnover | |||||||||||||||||
| Days Sales Outstanding TTM | - | - | - | - | - | - | - | - | - | - | 77,787.45 | 78,115.61 | |||||
| Receivables Turnover TTM | - | - | - | - | - | - | - | - | - | - | 0.00 | 0.00 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 2.66 | 2.39 | 3.01 | 0.82 | 0.34 | 0.13 | -0.02 | 1.60 | 1.63 | 1.91 | 2.07 | 2.93 | |||||
| Free Cash Flow Per Share TTM | 2.76 | 2.47 | 3.17 | 2.67 | 2.24 | 2.62 | 2.43 | 2.75 | 3.07 | 2.74 | 3.52 | 3.50 | |||||
| Dividend Per Share TTM | 1.18 | 1.13 | 1.24 | 1.19 | 1.15 | 1.10 | 1.20 | 1.20 | 1.19 | 1.18 | 1.17 | 1.17 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | -501.28% | -500.36% | -502.63% | -525.78% | -550.25% | -557.21% | -581.02% | -641.34% | -594.33% | -537.39% | -447.80% | -267.45% | |||||
| Operating Profit Margin TTM | 426.18% | 392.38% | 437.79% | 122.61% | 51.10% | 18.53% | -3.49% | 223.36% | 226.50% | 271.76% | 296.33% | 416.27% | |||||
| Net Profit Margin TTM | 338.08% | 309.93% | 346.98% | 97.93% | 41.43% | 15.39% | -2.16% | 176.54% | 179.14% | 214.92% | 234.85% | 334.78% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 11.40% | 8.20% | 8.11% | 7.53% | 4.53% | 6.93% | 3.69% | 3.46% | 4.67% | -1.70% | -18.55% | -20.49% | |||||
| Net Income Growth (1Y) | 809.05% | 2,078.98% | -17,446.88% | -40.35% | -75.82% | -92.34% | -100.95% | -45.44% | -52.35% | -44.74% | -42.67% | -18.04% | |||||
| EPS Growth (1Y) | 672.62% | 1,764.55% | -15,308.35% | -48.48% | -78.88% | -93.30% | -100.95% | -45.57% | -52.27% | -44.28% | -42.14% | -17.12% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 11.96 | 12.07 | 9.04 | 29.57 | 70.73 | 175.94 | -1,267.83 | 15.75 | 14.03 | 12.68 | 13.95 | 7.65 | |||||
| P/B TTM | 1.19 | 1.09 | 1.04 | 0.96 | 1.00 | 0.94 | 0.95 | 1.03 | 1.01 | 1.08 | 1.29 | 1.09 | |||||
| P/S TTM | 40.42 | 37.41 | 31.35 | 28.96 | 29.31 | 27.08 | 27.42 | 27.81 | 25.13 | 27.25 | 32.77 | 25.63 | |||||
| Market Cap | 344.77M | 310.37M | 250.78M | 226.56M | 224.37M | 207.61M | 202.85M | 202.32M | 184.04M | 195.35M | 233.85M | 180.23M | |||||
| Enterprise Value | 284.48M | 207.80M | 221.06M | 151.83M | 197.82M | 132.20M | 243.58M | 171.89M | 176.98M | 143.45M | 241.80M | 229.97M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 29.95M | 26.62M | 29.25M | 24.89M | 20.66M | 24.15M | 19.68M | 22.14M | 24.72M | 22.10M | 28.41M | 28.11M | |||||
| Net Debt | -60.29M | -102.57M | -29.72M | -74.73M | -26.55M | -75.41M | 40.73M | -30.43M | -7.06M | -51.91M | 7.96M | 49.74M | |||||
Per-Share and Margin | |||||||||||||||||
| EPS TTM | |||||||||||||||||
| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
| Average Receivables | |||||||||||||||||
| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
| Dividends Paid Growth (3Y) | |||||||||||||||||
| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
| Altman D | |||||||||||||||||
| Altman E | |||||||||||||||||
| Altman Z-Score | |||||||||||||||||
| ROA TTM | |||||||||||||||||
| ROE TTM | |||||||||||||||||
| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| PEG Ratio | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
| EV EBIT TTM | |||||||||||||||||
| EV Revenue TTM | |||||||||||||||||
| EV FCF TTM | |||||||||||||||||
| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
NORWOOD FINANCIAL CORP (NWFL) — SEC Financial Statements & Analysis
NORWOOD FINANCIAL CORP (NWFL) is a state commercial banks company, incorporated in PA. NORWOOD FINANCIAL CORP trades on Nasdaq as: NWFL. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), NORWOOD FINANCIAL CORP reported a 11.40% year-over-year revenue growth, a Gross Profit Margin of -501.28% (TTM), a Price-to-Sales (P/S) ratio of 40.42x (TTM), a Price-to-Book (P/B) ratio of 1.19x (TTM), at a market cap of $344.77M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 11.40%
- Gross Profit Margin TTM
- -501.28%
- P/S TTM
- 40.42x
- P/B TTM
- 1.19x
- Market Cap
- $344.77M
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is NORWOOD FINANCIAL CORP in?
NORWOOD FINANCIAL CORP (NWFL) operates in the State Commercial Banks industry.
What is NWFL's market cap?
NORWOOD FINANCIAL CORP (NWFL) has a market capitalization of $344.77M as of 2026-06-30.
What is NWFL's P/E ratio?
NORWOOD FINANCIAL CORP (NWFL)'s trailing twelve month P/E ratio is 11.96x as of 2026-06-30.
What exchange does NWFL trade on?
NORWOOD FINANCIAL CORP (NWFL) trades on the Nasdaq.
Where is NORWOOD FINANCIAL CORP incorporated?
NORWOOD FINANCIAL CORP is incorporated in PA.