What is Norwood Finl's earnings per share (EPS)?

Norwood Finl (NWFL) reported diluted earnings per share of $3.01 for fiscal year 2025. This represents a 15150.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Norwood Finl Financials

NWFL

Trailing 12 months to June 30, 2026

Revenue $8.5M +11.4% YoY

Net Income $28.8M +809.0% YoY

EPS (Diluted) $2.89 +1276.2% YoY

Free Cash Flow $30.0M +45.0% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Norwood Finl (NWFL) reported $8.5M in revenue over the twelve months to Jun 30, 2026, up 11.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI NWFL FY2025 2026-05-08

A balance-sheet-heavy earnings model recovered in FY2025, while equity rebuilding lowered leverage despite a larger asset base.

The clearest operating signal is cash-flow resilience versus earnings volatility: FY2024 net income was near zero at -$160K, yet operating cash flow still ran at $22.8M. In FY2025, net income recovered to $27.8M and operating cash flow rose to $34.0M, which suggests the prior year's weakness hit reported profit harder than the underlying cash engine.

Assets grew from $2.20B in FY2023 to $2.42B in FY2025. At the same time, debt-to-equity improved from 11.2x to 9.0x, indicating capital was rebuilt alongside growth instead of the balance sheet simply becoming more levered.

Interest expense stayed very high at $50.4M in FY2024 and $48.2M in FY2025. Even with that funding burden, return on assets moved from slightly negative in FY2024 to 1.1% in FY2025, so the recovery came from better earnings power rather than a meaningfully easier cost base.

Financial Health Signals

Financial Health Score 31/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Norwood Finl's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Not available for Norwood Finl, and counted as zero in the overall score.

Stability

Piotroski F-Score Partial

5/6

Norwood Finl passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.22x

For every $1 of reported earnings, Norwood Finl generates $1.22 in operating cash flow ($34.0M OCF vs $27.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$8.0M

YoY+8.1%

5Y CAGR+5.2%

10Y CAGR-11.7%

Norwood Finl generated $8.0M in revenue in fiscal year 2025. This represents an increase of 8.1% from the prior year.

Net Income

$27.8M

YoY+17446.9%

5Y CAGR+13.0%

10Y CAGR+16.7%

Norwood Finl reported $27.8M in net income in fiscal year 2025. This represents an increase of 17446.9% from the prior year.

EPS (Diluted)

$3.01

YoY+15150.0%

5Y CAGR+7.6%

10Y CAGR+10.9%

Norwood Finl earned $3.01 per diluted share (EPS) in fiscal year 2025. This represents an increase of 15150.0% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$29.2M

YoY+48.6%

5Y CAGR+17.5%

10Y CAGR+11.1%

Norwood Finl generated $29.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 48.6% from the prior year.

Cash & Debt

$44.4M

YoY-38.6%

5Y CAGR-16.8%

10Y CAGR+16.1%

Norwood Finl held $44.4M in cash as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share

$1.25

YoY+3.3%

5Y CAGR+4.4%

10Y CAGR+4.2%

Norwood Finl paid $1.25 per share in dividends in fiscal year 2025. This represents an increase of 3.3% from the prior year.

Shares Outstanding

11M

YoY+17.6%

5Y CAGR+5.8%

10Y CAGR+11.4%

Norwood Finl had 11M shares outstanding in fiscal year 2025. This represents an increase of 17.6% from the prior year.

Margins & Returns

Return on Equity

11.5%

YoY+11.5pp

5Y CAGR+3.7pp

10Y CAGR+5.6pp

Norwood Finl's ROE was 11.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 11.5 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Net Margin

Not shown for fiscal year 2025: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.

Capital Allocation

Share Buybacks

$361K

YoY-48.6%

5Y CAGR+27.3%

10Y CAGR+11.0%

Norwood Finl spent $361K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 48.6% from the prior year.

Capital Expenditures

$4.7M

YoY+50.9%

5Y CAGR+44.5%

10Y CAGR+32.2%

Norwood Finl invested $4.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 50.9% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

NWFL Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

NWFL quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$8.5M	$8.0M+8.1%	$7.4M+3.7%	$7.1M-18.5%	$8.8M+24.8%	$7.0M+13.1%	$6.2M+14.0%	$5.4M-3.8%	$5.7M-85.5%	$39.0M+20.9%	$32.2M+16.1%	$27.8M0.0%	$27.8M-1.7%	$28.3M-3.9%	$29.4M+5.9%	$27.8M
SG&A Expenses	$31.1M	$26.9M+7.6%	$25.0M+6.2%	$23.6M+6.8%	$22.1M+7.1%	$20.6M+20.4%	$17.1M+16.8%	$14.7M+4.5%	$14.0M+9.1%	$12.8M+17.6%	$10.9M+28.0%	$8.5M-0.9%	$8.6M+2.0%	$8.4M+0.5%	$8.4M+7.1%	$7.8M
Interest Expense	$51.3M	$48.2M-4.3%	$50.4M+50.5%	$33.5M+360.5%	$7.3M+26.3%	$5.8M-27.8%	$8.0M-8.1%	$8.7M+53.4%	$5.7M+38.7%	$4.1M+11.7%	$3.7M+12.2%	$3.3M+1.6%	$3.2M-10.8%	$3.6M-22.6%	$4.7M-10.3%	$5.2M
Income Tax	$7.5M	$7.3M+7512.2%	-$98K-102.2%	$4.4M-38.7%	$7.2M+20.3%	$5.9M+80.9%	$3.3M+26.0%	$2.6M+2.2%	$2.6M-61.0%	$6.6M+247.7%	$1.9M+15.4%	$1.6M-37.4%	$2.6M-3.7%	$2.7M-10.9%	$3.0M+17.7%	$2.6M
Net Income	$28.8M	$27.8M+17446.9%	-$160K-101.0%	$16.8M-42.7%	$29.2M+17.3%	$24.9M+65.2%	$15.1M+6.1%	$14.2M+4.1%	$13.7M+66.5%	$8.2M+22.2%	$6.7M+13.6%	$5.9M-22.8%	$7.7M-9.5%	$8.5M+0.7%	$8.4M+14.2%	$7.4M
EPS (Diluted)	$2.89	$3.01+15150.0%	-$0.02-101.0%	$2.07-42.2%	$3.58+17.8%	$3.04+45.5%	$2.09-7.1%	$2.25+3.7%	$2.17+65.6%	$1.31+13.9%	$1.15+7.5%	$1.07	$2.10-9.9%	$2.330.0%	$2.33+7.4%	$2.17

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$2.1M-7.6%	$2.3M+7.9%	$2.1M+3.3%	$2.0M+9.3%	$1.9M-5.6%	$2.0M+2.3%	$1.9M+3.2%	$1.9M
SG&A Expenses	$8.7M+1.5%	$8.5M+19.5%	$7.2M+6.9%	$6.7M+1.4%	$6.6M+2.1%	$6.5M-3.3%	$6.7M+7.2%	$6.2M
Interest Expense	$13.6M-1.5%	$13.8M+14.3%	$12.1M+3.1%	$11.7M-3.4%	$12.1M-0.7%	$12.2M-4.9%	$12.9M+2.4%	$12.6M
Income Tax	$2.3M+111.1%	$1.1M-43.4%	$1.9M-12.3%	$2.2M+35.0%	$1.6M+7.5%	$1.5M+144.4%	-$3.4M-438.7%	$1.0M
Net Income	$9.3M+150.1%	$3.7M-49.9%	$7.4M-10.7%	$8.3M+34.3%	$6.2M+7.5%	$5.8M+145.6%	-$12.7M-429.1%	$3.8M
EPS (Diluted)	$0.86+145.7%	$0.35-55.7%	$0.79-11.2%	$0.89+32.8%	$0.67+6.3%	$0.63+140.1%	-$1.57-427.1%	$0.48

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

NWFL Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

NWFL quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$2.4B+4.6%	$2.3B+5.3%	$2.2B+7.5%	$2.0B-1.0%	$2.1B+11.7%	$1.9B+50.5%	$1.2B+3.9%	$1.2B+4.6%	$1.1B+2.0%	$1.1B+48.1%	$750.5M+5.5%	$711.6M+0.1%	$711.2M+5.8%	$672.3M+0.5%	$668.8M
Cash & Equivalents	$44.4M-38.6%	$72.3M+9.4%	$66.1M+107.5%	$31.9M-84.6%	$206.7M+85.0%	$111.7M+624.6%	$15.4M-16.0%	$18.3M+9.9%	$16.7M-2.8%	$17.2M+71.6%	$10.0M-19.1%	$12.4M+57.4%	$7.9M-36.0%	$12.3M-42.6%	$21.4M
Goodwill	$29.3M0.0%	$29.3M0.0%	$29.3M0.0%	$29.3M0.0%	$29.3M-0.1%	$29.3M+158.5%	$11.3M0.0%	$11.3M0.0%	$11.3M0.0%	$11.3M+16.6%	$9.7M0.0%	$9.7M0.0%	$9.7M0.0%	$9.7M0.0%	$9.7M
Total Liabilities	$2.2B+3.7%	$2.1B+4.2%	$2.0B+7.4%	$1.9B+0.9%	$1.9B+12.4%	$1.7B+51.6%	$1.1B+2.9%	$1.1B+4.4%	$1.0B+1.7%	$1.0B+54.0%	$649.5M+6.0%	$612.6M-1.1%	$619.4M+6.8%	$579.9M-0.2%	$580.8M
Total Equity	$242.2M+13.4%	$213.5M+17.9%	$181.1M+8.4%	$167.1M-18.6%	$205.3M+5.4%	$194.8M+41.7%	$137.4M+12.4%	$122.3M+5.7%	$115.7M+4.2%	$111.1M+10.0%	$101.0M+2.0%	$99.0M+7.8%	$91.9M-0.6%	$92.4M+5.0%	$88.1M
Retained Earnings	$141.1M+12.9%	$125.0M-7.6%	$135.3M+4.0%	$130.0M+18.2%	$110.0M+17.3%	$93.8M+8.4%	$86.5M+10.3%	$78.4M+11.4%	$70.4M+4.8%	$67.2M+2.8%	$65.4M+2.1%	$64.1M+5.4%	$60.8M-8.9%	$66.7M+7.1%	$62.3M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$2.9B-0.3%	$2.9B+20.3%	$2.4B+0.5%	$2.4B+2.0%	$2.4B-0.5%	$2.4B+2.5%	$2.3B+1.7%	$2.3B
Cash & Equivalents	$60.3M-41.2%	$102.6M+130.8%	$44.4M-40.5%	$74.7M+40.9%	$53.0M-29.7%	$75.4M+4.2%	$72.3M-12.7%	$82.9M
Goodwill	$36.4M0.0%	$36.4M+24.3%	$29.3M0.0%	$29.3M0.0%	$29.3M0.0%	$29.3M0.0%	$29.3M0.0%	$29.3M
Total Liabilities	$2.6B-0.6%	$2.6B+20.6%	$2.2B+0.3%	$2.2B+1.7%	$2.1B-0.7%	$2.2B+2.4%	$2.1B+1.0%	$2.1B
Total Equity	$289.6M+2.0%	$283.9M+17.3%	$242.2M+3.1%	$234.9M+4.2%	$225.4M+2.1%	$220.7M+3.4%	$213.5M+9.1%	$195.7M
Retained Earnings	$146.7M+4.1%	$140.8M-0.2%	$141.1M+3.3%	$136.7M+4.2%	$131.2M+2.6%	$127.9M+2.3%	$125.0M-11.1%	$140.5M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.

NWFL Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

NWFL quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$33.0M	$34.0M+48.9%	$22.8M-23.5%	$29.8M-3.0%	$30.7M+5.3%	$29.2M+111.6%	$13.8M-25.2%	$18.4M+6.6%	$17.3M+7.8%	$16.1M+41.1%	$11.4M+8.4%	$10.5M-0.3%	$10.5M-17.0%	$12.7M+11.7%	$11.4M+5.3%	$10.8M
Capital Expenditures	$3.1M	$4.7M+50.9%	$3.1M+121.5%	$1.4M-34.4%	$2.2M+71.1%	$1.3M+68.0%	$749K-53.9%	$1.6M+85.9%	$873K-46.5%	$1.6M+219.6%	$511K+76.2%	$290K+50.3%	$193K-50.9%	$393K-5.8%	$417K+138.3%	$175K
Free Cash Flow	$30.0M	$29.2M+48.6%	$19.7M-30.7%	$28.4M-0.6%	$28.6M+2.3%	$27.9M+114.1%	$13.0M-22.4%	$16.8M+2.4%	$16.4M+13.9%	$14.4M+32.7%	$10.9M+6.4%	$10.2M-1.3%	$10.3M-15.9%	$12.3M+12.4%	$10.9M+3.1%	$10.6M
Investing Cash Flow	-$85.6M	-$129.0M-11.9%	-$115.2M+1.2%	-$116.6M+44.0%	-$208.0M-58.8%	-$131.0M-113.4%	-$61.4M-54.2%	-$39.8M+27.5%	-$54.8M-91.8%	-$28.6M	N/A	N/A	$4.7M+108.9%	-$52.7M-205.3%	-$17.2M-155.5%	$31.1M
Financing Cash Flow	$59.8M	$67.1M-32.0%	$98.6M-18.5%	$121.0M+4848.8%	$2.4M-98.8%	$196.8M+36.8%	$143.8M+681.3%	$18.4M-53.0%	$39.2M+224.8%	$12.1M	N/A	N/A	-$10.7M-130.1%	$35.5M+1196.7%	-$3.2M+91.3%	-$37.1M
Dividends Paid	$12.7M	$11.5M+18.2%	$9.7M+3.2%	$9.4M+2.8%	$9.2M+7.2%	$8.5M+17.6%	$7.3M+20.2%	$6.0M+9.7%	$5.5M+2.3%	$5.4M+14.3%	$4.7M+4.1%	$4.5M+3.6%	$4.4M+5.2%	$4.2M+5.7%	$3.9M+11.9%	$3.5M
Share Buybacks	N/A	$361K-48.6%	$703K-77.3%	$3.1M+23.3%	$2.5M+74.7%	$1.4M+1233.3%	$108K-74.8%	$428K+120.6%	$194K-87.8%	$1.6M+255.0%	$447K+252.0%	$127K-29.1%	$179K-43.9%	$319K-0.3%	$320K-46.8%	$602K

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$8.9M+48.5%	$6.0M-31.7%	$8.8M-6.0%	$9.3M+38.3%	$6.8M-25.8%	$9.1M+89.3%	$4.8M+3.5%	$4.6M
Capital Expenditures	$498K+9.5%	$455K-57.6%	$1.1M+3.6%	$1.0M-38.2%	$1.7M+79.9%	$932K-36.5%	$1.5M+156.0%	$573K
Free Cash Flow	$8.4M+51.7%	$5.5M-28.0%	$7.7M-7.2%	$8.3M+63.5%	$5.1M-37.8%	$8.2M+144.6%	$3.3M-18.0%	$4.1M
Investing Cash Flow	-$32.5M-390.1%	$11.2M+126.0%	-$43.1M-103.7%	-$21.2M-64.1%	-$12.9M+75.1%	-$51.8M+17.2%	-$62.5M-214.3%	-$19.9M
Financing Cash Flow	-$18.7M-145.6%	$40.9M+918.1%	$4.0M-88.0%	$33.5M+306.5%	-$16.2M-135.4%	$45.8M-3.0%	$47.2M+64.2%	$28.7M
Dividends Paid	$3.5M-0.6%	$3.5M+22.1%	$2.9M0.0%	$2.9M0.0%	$2.9M-0.1%	$2.9M+18.5%	$2.4M0.0%	$2.4M
Share Buybacks	N/A	N/A	$12K	$0	$0-100.0%	$349K+1192.6%	$27K-71.9%	$96K

NWFL Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

NWFL quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	347.0%	-2.2%	234.8%	333.7%	354.9%	242.9%	260.9%	241.1%	21.0%+0.2pp	20.8%-0.5pp	21.3%-6.3pp	27.6%-2.4pp	30.0%+1.4pp	28.6%+2.1pp	26.5%
Return on Equity	11.5%+11.5pp	-0.1%-9.3pp	9.3%-8.2pp	17.5%+5.4pp	12.1%+4.4pp	7.7%-2.6pp	10.3%-0.8pp	11.2%+4.1pp	7.1%+1.0pp	6.0%+0.2pp	5.9%-1.9pp	7.7%-1.5pp	9.2%+0.1pp	9.1%+0.7pp	8.3%
Return on Assets	1.1%+1.1pp	0.0%-0.8pp	0.8%-0.7pp	1.4%+0.2pp	1.2%+0.4pp	0.8%-0.3pp	1.2%0.0pp	1.1%+0.4pp	0.7%+0.1pp	0.6%-0.2pp	0.8%-0.3pp	1.1%-0.1pp	1.2%-0.1pp	1.3%+0.2pp	1.1%
Debt-to-Equity	9.01-0.8x	9.85-1.3x	11.16-0.1x	11.25+2.2x	9.08+0.6x	8.51+0.6x	7.95-0.7x	8.69-0.1x	8.79-0.2x	9.00+2.6x	6.43+0.2x	6.19-0.6x	6.74+0.5x	6.27-0.3x	6.59
FCF Margin	365.6%	266.0%	398.1%	326.2%	397.9%	210.2%	308.6%	290.0%	37.0%+3.3pp	33.7%-3.0pp	36.8%-0.5pp	37.2%-6.3pp	43.5%+6.3pp	37.2%-1.0pp	38.2%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	443.8%	163.9%	352.9%	408.1%	332.0%	291.7%	-654.1%	205.1%
Return on Equity	3.2%+1.9pp	1.3%-1.8pp	3.1%-0.5pp	3.5%+0.8pp	2.8%+0.1pp	2.6%+8.5pp	-5.9%-7.9pp	2.0%
Return on Assets	0.3%+0.2pp	0.1%-0.2pp	0.3%0.0pp	0.4%+0.1pp	0.3%0.0pp	0.2%+0.8pp	-0.5%-0.7pp	0.2%
Debt-to-Equity	9.04-0.2x	9.27+0.3x	9.01-0.3x	9.27-0.2x	9.49-0.3x	9.77-0.1x	9.85-0.8x	10.65
FCF Margin	400.0%	243.5%	365.1%	406.6%	271.7%	412.6%	172.7%	217.3%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.

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Where Norwood Finl Ranks

Frequently Asked Questions

What is Norwood Finl's annual revenue?

Norwood Finl (NWFL) reported $8.0M in total revenue for fiscal year 2025. This represents a 8.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Norwood Finl's revenue growing?

Norwood Finl (NWFL) revenue grew by 8.1% year-over-year, from $7.4M to $8.0M in fiscal year 2025.

Is Norwood Finl profitable?

Yes, Norwood Finl (NWFL) reported a net income of $27.8M in fiscal year 2025.

Does Norwood Finl pay dividends?

Yes, Norwood Finl (NWFL) paid $1.25 per share in dividends during fiscal year 2025.

What is Norwood Finl's return on equity (ROE)?

Norwood Finl (NWFL) has a return on equity of 11.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Norwood Finl's free cash flow?

Norwood Finl (NWFL) generated $29.2M in free cash flow during fiscal year 2025. This represents a 48.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Norwood Finl's operating cash flow?

Norwood Finl (NWFL) generated $34.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Norwood Finl's total assets?

Norwood Finl (NWFL) had $2.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Norwood Finl's capital expenditures?

Norwood Finl (NWFL) invested $4.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Norwood Finl buy back shares?

Yes, Norwood Finl (NWFL) spent $361K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Norwood Finl have outstanding?

Norwood Finl (NWFL) had 11M shares outstanding as of fiscal year 2025.

What is Norwood Finl's debt-to-equity ratio?

Norwood Finl (NWFL) had a debt-to-equity ratio of 9.01 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Norwood Finl's return on assets (ROA)?

Norwood Finl (NWFL) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Norwood Finl's Piotroski F-Score?

Norwood Finl (NWFL) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Norwood Finl's earnings high quality?

Norwood Finl (NWFL) has an earnings quality ratio of 1.22x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Norwood Finl?

Norwood Finl (NWFL) scores 31 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.