Norwood Financial Corp financials

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NWFL CIK 0001013272

Source: EDGAR filings · Built 2026-06-02T03:42:50Z

Key metrics by reporting period

Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.

Derived Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Free Cash Flow 29.25M 19.68M 28.41M 28.58M 27.94M 13.05M
Net Debt 238.38M 353.40M 356.17M 444.02M 198.49M -43.41M
Net Margin 346.98% -2.16% 234.85% 333.67% 354.86% 242.87%
Return on Equity (ROE) 11.46% -0.07% 9.26% 17.50% 12.14% 7.74%
Return on Assets (ROA) 1.14% -0.01% 0.76% 1.43% 1.20% 0.81%
Debt-to-Equity 1.17× 1.99× 2.33× 2.85× 1.97× 0.35×
Effective Tax Rate 20.74% 37.98% 20.75% 19.66% 19.26% 17.89%
Cash Conversion Ratio 1.22× -142.54× 1.78× 1.05× 1.17× 0.91×
Accruals Ratio -0.00× -0.01× -0.01× -0.00× -0.00× 0.00×
SBC % of Revenue 3.10% 4.68% 5.62% 3.07% 3.05% 3.29%
CapEx Coverage 7.20× 7.29× 21.12× 14.28× 23.21× 18.42×
Free Cash Flow Per Share $3.17 $2.43 $3.51 $3.50 $3.41 $1.80

Valuation Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
P/E Trailing (Diluted) 9.32× — 15.90× 9.34× 8.55× 12.52×
P/FCF 8.86× 11.19× 9.36× 9.57× 7.63× 14.50×
FCF Yield 11.29% 8.94% 10.68% 10.45% 13.11% 6.90%
P/S 33.37× 34.89× 38.33× 31.65× 30.60× 34.71×
P/B 1.10× 1.21× 1.51× 1.66× 1.05× 1.11×

Income Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue from Contract with Customer, Excluding Assessed Tax 8.00M 7.40M 7.14M 8.76M 7.02M 6.21M
Income Tax Expense (Benefit) 7.26M -98.00K 4.39M 7.15M 5.95M 3.29M
Net Income (Loss) Attributable to Parent 27.75M -160.00K 16.76M 29.23M 24.91M 15.08M
Earnings Per Share, Basic $3.01 $-0.02 $2.08 $3.59 $3.05 $2.09
Weighted Average Number of Shares Outstanding, Basic 9.23M 8.09M 8.06M 8.14M 8.18M 7.20M
Earnings Per Share, Diluted $3.01 $-0.02 $2.07 $3.58 $3.04 $2.09
Weighted Average Number of Shares Outstanding, Diluted 9.23M 8.09M 8.08M 8.18M 8.20M 7.23M

Balance Sheet

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Assets 2.42B 2.32B 2.20B 2.05B 2.07B 1.85B
Liabilities 2.18B 2.10B 2.02B 1.88B 1.86B 1.66B
Stockholders' Equity Attributable to Parent 242.16M 213.51M 181.07M 167.09M 205.26M 194.78M

Cash Flow Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Net Cash Provided by (Used in) Operating Activities 33.97M 22.81M 29.82M 30.73M 29.20M 13.80M
Payments to Acquire Property, Plant, and Equipment 4.72M 3.13M 1.41M 2.15M 1.26M 749.00K
Net Cash Provided by (Used in) Investing Activities -128.95M -115.20M -116.57M -207.99M -130.96M -61.36M
Payments for Repurchase of Common Stock 361.00K 703.00K 3.10M 2.52M 1.44M 108.00K
Net Cash Provided by (Used in) Financing Activities 67.08M 98.62M 121.00M 2.44M 196.75M 143.84M

Raw XBRL tagging for a single filing

Every us-gaap and custom concept the filer tagged for one fiscal period, grouped by statement. Start here when a number in the trend table above surprises you and you want to see the exact tag behind it. Derived and valuation rows are omitted here because they already appear in the trend table.

Most recent filing shown by default.

Compare filings side-by-side

Diff any two filings with deltas and added / removed tags.

Immaterial rows are USD line items under 1% of the period's revenue — the noise floor below which a single tag rarely moves the investment thesis. Revenue is read from the filer's top-line concept (Revenues / RevenueFromContractWithCustomerExcludingAssessedTax, with a fallback chain). Non-USD rows, rows without a numeric value, and every row on a filing with no identifiable revenue anchor stay visible. Flip the switch off to see every tag the filer reported for the period.

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Methodology

All facts on this page come straight from SEC EDGAR XBRL company-facts filings (NWFL CIK 0001013272), grouped by financial statement using FASB's base us-gaap presentation taxonomy. Filers may re-parent concepts onto different statements in their own extension taxonomy, so a handful of rows can show up under a different statement than on the actual 10-K / 10-Q; custom concepts and any we couldn't map fall into Other. Hover a cell to see the fully-qualified concept name and the filer's description.

For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.

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