NWFL
NORWOOD FINANCIAL CORPCompany Information
- Company Name
- NORWOOD FINANCIAL CORP
- CIK
- CIK0001013272
- Category
- Accelerated filer<br>Smaller reporting company
- Ticker: Exchange
- NWFL: Nasdaq
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6022
- SIC Description
- State Commercial Banks
- Ticker
- NWFL
SEC filing data through
Insider Sentiment
- Last purchase
- 2026-07-28
- Last sale
- 2026-09-02
- Shares purchased (TTM)
- 19,475
- Shares sold (TTM)
- 3,000
Institutional Sentiment
- As of
- 2026-06-30
- Institutional shares owned
- 4,397,870
- Shares outstanding
- 10,834,000
- Ownership
- 40.59%
Earnings Market Reaction
- Filing date
- 2026-08-07
- Price on filing date
- —
- 1-month reaction
- 0.95%
- 3-month reaction
- Pending
Balance Sheet
Values in millions ($)| Line item | 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 | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | ||||||
| Loans And Leases Receivable Net Reported Amount | - | - | - | - | - | - | - | - | - | - | 1,585 | 1,595 | ||||||
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 | ||||||
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 2,237 | 2,214 | 1,834 | 1,795 | 1,770 | 1,751 | 1,694 | 1,656 | 1,624 | 1,603 | 1,585 | - | ||||||
| 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 | ||||||||||||||||||
| 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 Tax | -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 Credit Loss | 0 | 0 | - | 0 | 0 | 0 | - | 0 | 0 | 0 | - | 0 | ||||||
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | 26 | 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 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | ||||||
| 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 | ||||||
Select a line item above to chart it.
Recent filings
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
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 trialNORWOOD 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. NORWOOD FINANCIAL CORP (NWFL)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-07. Based on that filing, NORWOOD FINANCIAL CORP carries a market cap of $344.77M, a P/E ratio of 11.96x, a P/B ratio of 1.19x, a P/S ratio of 40.42x, an enterprise value of $284.48M, and an EV/EBITDA multiple of -5.07x. On profitability, it posts a gross margin of -501.28%, an operating margin of 426.18%, a net margin of 338.08%, a Return on Equity (ROE) of 11.20%, and a Return on Invested Capital (ROIC) of -20.90%. Per share, it reports EPS of $2.66, diluted EPS of $2.66, free cash flow per share of $2.76, and a dividend per share of $1.18. Over the trailing year, it posted revenue growth of 11.40% year-over-year, net income growth of 809.05% year-over-year, and EPS growth of 672.62% year-over-year. On the balance sheet, it maintains an interest coverage ratio of -0.61x, free cash flow of $29.95M (TTM), and net debt of $-60.29M. Figures sourced from SEC EDGAR.
- Market Cap
- $344.77M
- P/E TTM
- 11.96x
- EPS TTM
- $2.66
- P/B TTM
- 1.19x
- ROE TTM
- 11.20%
- Free Cash Flow TTM
- $29.95M
- Net Revenue TTM Growth 1Y
- 11.40%
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 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.
When was NORWOOD FINANCIAL CORP (NWFL)'s most recent SEC filing?
NORWOOD FINANCIAL CORP (NWFL)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-07.
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 is NWFL's EPS (earnings per share)?
NORWOOD FINANCIAL CORP (NWFL)'s trailing twelve month EPS is $2.66 as of 2026-06-30.
What is NWFL's ROE (return on equity)?
NORWOOD FINANCIAL CORP (NWFL)'s trailing twelve month Return on Equity (ROE) is 11.20% as of 2026-06-30.
What is NWFL's ROIC (return on invested capital)?
NORWOOD FINANCIAL CORP (NWFL)'s trailing twelve month Return on Invested Capital (ROIC) is -20.90% as of 2026-06-30.
What is NWFL's EV/EBITDA?
NORWOOD FINANCIAL CORP (NWFL)'s trailing twelve month EV/EBITDA is -5.07x as of 2026-06-30.