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

Norwood Financial Corp (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 Financial Corp (NWFL) Financials

NWFL

Trailing 12 months to June 30, 2026

Revenue $103.1M +67.1% YoY

Net Income $28.8M +809.0% YoY

EPS (Diluted) $2.89 +1276.2% YoY

Free Cash Flow $30.0M +45.0% YoY

Market Cap $368.8M as of Oct 13, 2026

Price / Sales 3.6x on $103.1M revenue, trailing 12 months to June 30, 2026

Price / Earnings 12.8x on $28.8M net income, trailing 12 months to June 30, 2026

Price / Book 1.3x on $289.6M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.

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

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the NWFL SEC filings page.

Norwood Financial Corp (NWFL) reported $103.1M in revenue over the twelve months to Jun 30, 2026, up 67.1% 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 2026-10-04

The business earns on a thin equity base, with funding costs driving volatile profits even as reported cash generation remains positive.

FY2024 was an earnings-quality break: the company reported a net loss of $160K while still producing operating cash flow of $22.8M, so accounting profit was a poor proxy for that period’s cash movement. Free cash flow also remained $19.7M, reinforcing that the income statement and cash statement were temporarily telling different stories.

The balance sheet is liability-financed rather than equity-heavy: total liabilities were $2.18B against $2.42B of assets in FY2025. Debt-to-equity fell to 9.0x from 11.3x in FY2022, a measurable reduction in leverage, but the structure remains sensitive to funding and credit conditions.

Revenue rebounded to $87.9M in FY2025, helping restore net income after FY2024’s near-break-even result. Because interest expense remained $48.2M in FY2025 versus $50.4M a year earlier, the recovery appears more tied to business volume or mix than to materially cheaper funding.

Financial Health Signals

Financial Health Score 32/100

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 Financial Corp'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

Norwood Financial Corp earned a return on assets of 1.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.0% the prior year. Earnings ranks banks on that return over three years, and Norwood Financial Corp scores 36/100 among other banks.

Growth

Norwood Financial Corp reported revenue of $87.9M in fiscal year 2025, against $51.0M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Norwood Financial Corp scores 65/100 among other banks.

Capital

Norwood Financial Corp funded 10.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $242.2M of equity against $2.4B of assets. Capital ranks banks on that cushion, and Norwood Financial Corp scores 29/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Norwood Financial Corp scores 29/100 on it among other banks.

Credit Quality

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

Stability

Norwood Financial Corp reported net income of $27.8M in fiscal year 2025, against a loss of $160K in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Norwood Financial Corp scores 31/100 among other banks.

Piotroski F-Score Partial

5/6

Norwood Financial Corp 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 Financial Corp 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

$29.4M

YoY+37.8%

QoQ+7.7%

5Y CAGR+10.0%

10Y CAGR+14.4%

Norwood Financial Corp generated $29.4M in revenue in Q2 2026. This represents an increase of 37.8% from the same quarter a year earlier. Against the prior quarter it is up 7.7%.

Net Income

$9.3M

YoY+50.3%

QoQ+150.1%

5Y CAGR+10.1%

10Y CAGR+17.4%

Norwood Financial Corp reported $9.3M in net income in Q2 2026. This represents an increase of 50.3% from the same quarter a year earlier. Against the prior quarter it is up 150.1%.

EPS (Diluted)

$0.86

YoY+28.4%

QoQ+145.7%

5Y CAGR+4.2%

10Y CAGR+5.4%

Norwood Financial Corp earned $0.86 per diluted share (EPS) in Q2 2026. This represents an increase of 28.4% from the same quarter a year earlier. Against the prior quarter it is up 145.7%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$8.4M

YoY+65.6%

QoQ+51.7%

5Y CAGR+3.4%

10Y CAGR+16.6%

Norwood Financial Corp generated $8.4M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 65.6% from the same quarter a year earlier. Against the prior quarter it is up 51.7%.

Cash & Debt

$60.3M

YoY+13.7%

QoQ-41.2%

5Y CAGR-21.7%

10Y CAGR+16.9%

Norwood Financial Corp held $60.3M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.32

YoY+3.2%

QoQ0.0%

5Y CAGR+4.2%

Norwood Financial Corp paid $0.32 per share in dividends in Q2 2026. This represents an increase of 3.2% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

11M

YoY+17.7%

QoQ+0.1%

5Y CAGR+5.8%

10Y CAGR+11.4%

Norwood Financial Corp had 11M shares outstanding in Q2 2026. This represents an increase of 17.7% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

Margins & Returns

Net Margin

31.8%

YoY+2.7pp

QoQ+18.1pp

5Y change+0.2pp

10Y change+7.1pp

Norwood Financial Corp's net profit margin was 31.8% in Q2 2026, showing the share of revenue converted to profit. This is up 2.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 18.1 percentage points.

Return on Equity

3.2%

YoY+0.5pp

QoQ+1.9pp

5Y change+0.3pp

10Y change+1.4pp

Norwood Financial Corp's ROE was 3.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.9 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$498K

YoY-70.3%

QoQ+9.5%

5Y CAGR+24.4%

10Y CAGR+22.4%

Norwood Financial Corp invested $498K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 70.3% from the same quarter a year earlier. Against the prior quarter it is up 9.5%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

NWFL Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

NWFL quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$103.1M	$87.9M+72.3%	$51.0M-27.3%	$70.2M-10.4%	$78.3M+6.3%	$73.7M+26.5%	$58.3M+28.4%	$45.4M+3.4%	$43.9M+5.0%	$41.8M+23.8%	$33.8M+15.6%	$29.2M-1.5%	$29.7M-2.0%	$30.3M+1.0%	$30.0M+9.7%	$27.3M
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 (Basic)	N/A	$3.01+15150.0%	-$0.02-101.0%	$2.08-42.1%	$3.59+17.7%	$3.05+45.9%	$2.09-7.9%	$2.27+3.7%	$2.19+65.9%	$1.32+13.8%	$1.16+8.4%	$1.07-49.0%	$2.10-9.9%	$2.330.0%	$2.33+7.4%	$2.17
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
Diluted Shares (Avg)	N/A	9M+14.1%	8M+0.1%	8M-1.1%	8M-0.3%	8M+13.4%	7M+14.2%	6M+0.7%	6M+0.3%	6M+7.6%	6M+5.3%	6M	4M+0.7%	4M+0.5%	4M+6.8%	3M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$29.4M+37.8%	$27.3M+34.9%	$23.5M+1112.9%	$23.0M+26.0%	$21.3M+24.4%	$20.2M+20.9%	$1.9M-88.9%	$18.2M+5.1%
SG&A Expenses	$8.7M+31.3%	$8.5M+32.1%	$7.2M+7.0%	$6.7M+7.3%	$6.6M+10.9%	$6.5M+5.5%	$6.7M+18.0%	$6.2M+2.6%
Interest Expense	$13.6M+12.2%	$13.8M+13.1%	$12.1M-5.9%	$11.7M-6.5%	$12.1M-4.7%	$12.2M0.0%	$12.9M+19.2%	$12.6M+32.6%
Income Tax	$2.3M+41.4%	$1.1M-28.0%	$1.9M+156.5%	$2.2M+118.4%	$1.6M+44.2%	$1.5M+28.9%	-$3.4M-3576.5%	$1.0M-5.8%
Net Income	$9.3M+50.3%	$3.7M-35.4%	$7.4M+158.8%	$8.3M+116.8%	$6.2M+47.3%	$5.8M+30.2%	-$12.7M-3663.4%	$3.8M-6.7%
EPS (Basic)	$0.86+28.4%	$0.35-44.4%	$0.79+150.3%	$0.89+85.4%	$0.67+28.8%	$0.63+14.5%	-$1.57-3240.0%	$0.48-5.9%
EPS (Diluted)	$0.86+28.4%	$0.35-44.4%	$0.79+150.3%	$0.89+85.4%	$0.67+28.8%	$0.63+14.5%	-$1.57-4025.0%	$0.48-5.9%
Diluted Shares (Avg)	11M+17.8%	11M+16.9%	N/A	9M+15.7%	9M+14.4%	9M+14.2%	N/A	8M+0.2%

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

NWFL Balance Sheet

NWFL quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$2.9B+22.9%	$2.9B+22.8%	$2.4B+4.6%	$2.4B+5.8%	$2.4B+5.8%	$2.4B+5.1%	$2.3B+5.3%	$2.3B+4.6%
Cash & Equivalents	$60.3M+13.7%	$102.6M+36.0%	$44.4M-38.6%	$74.7M-9.8%	$53.0M-23.6%	$75.4M-32.7%	$72.3M+9.4%	$82.9M+53.1%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$36.4M+24.3%	$36.4M+24.3%	$29.3M0.0%	$29.3M0.0%	$29.3M0.0%	$29.3M0.0%	$29.3M0.0%	$29.3M0.0%
Total Liabilities	$2.6B+22.4%	$2.6B+22.2%	$2.2B+3.7%	$2.2B+4.5%	$2.1B+4.2%	$2.2B+3.7%	$2.1B+4.2%	$2.1B+3.4%
Total Equity	$289.6M+28.5%	$283.9M+28.6%	$242.2M+13.4%	$234.9M+20.1%	$225.4M+23.7%	$220.7M+21.8%	$213.5M+17.9%	$195.7M+18.8%
Retained Earnings	$146.7M+11.8%	$140.8M+10.1%	$141.1M+12.9%	$136.7M-2.7%	$131.2M-5.7%	$127.9M-6.9%	$125.0M-7.6%	$140.5M+2.3%

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

NWFL Cash Flow Statement

NWFL quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Stock-Based Compensation	N/A	$248K-28.3%	$346K-13.7%	$401K+49.1%	$269K+25.7%	$214K+4.9%	$204K-1.9%	$208K-12.2%	$237K+154.8%	$93K+31.0%	$71K+7.6%	$66K-57.1%	$154K-4.9%	$162K+24.6%	$130K-23.5%	$170K
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$8.9M+31.8%	$6.0M-34.1%	$8.8M+82.6%	$9.3M+101.1%	$6.8M-25.8%	$9.1M+114.0%	$4.8M-28.4%	$4.6M-32.5%
Capital Expenditures	$498K-70.3%	$455K-51.2%	$1.1M-26.8%	$1.0M+81.0%	$1.7M+214.6%	$932K+68.2%	$1.5M+60.2%	$573K+151.3%
Free Cash Flow	$8.4M+65.6%	$5.5M-32.1%	$7.7M+130.6%	$8.3M+103.9%	$5.1M-40.8%	$8.2M+120.9%	$3.3M-42.4%	$4.1M-38.8%
Investing Cash Flow	-$32.5M-152.3%	$11.2M+121.6%	-$43.1M+31.1%	-$21.2M-6.3%	-$12.9M+35.6%	-$51.8M-306.9%	-$62.5M-3814.2%	-$19.9M+28.2%
Financing Cash Flow	-$18.7M-15.0%	$40.9M-10.6%	$4.0M-91.5%	$33.5M+16.6%	-$16.2M+48.7%	$45.8M-15.7%	$47.2M+1220.3%	$28.7M-31.4%
Dividends Paid	$3.5M+21.4%	$3.5M+21.9%	$2.9M+18.3%	$2.9M+18.4%	$2.9M+18.0%	$2.9M+18.2%	$2.4M+3.7%	$2.4M+3.7%
Share Buybacks	N/A	N/A	$12K-55.6%	$0-100.0%	$0	$349K	$27K+17.4%	$96K

Not reported in any period shown, so not listed: Depreciation & Amortization, Stock-Based Compensation.

NWFL Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

NWFL quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	31.6%+31.9pp	-0.3%-24.2pp	23.9%-13.4pp	37.3%+3.5pp	33.8%+7.9pp	25.9%-5.4pp	31.3%+0.2pp	31.1%+11.5pp	19.6%-0.3pp	19.9%-0.4pp	20.2%-5.6pp	25.8%-2.2pp	28.0%-0.1pp	28.0%+1.1pp	26.9%
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
Asset Turnover	0.040.0x	0.020.0x	0.030.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	33.3%-5.3pp	38.6%-1.9pp	40.5%+4.0pp	36.5%-1.4pp	37.9%+15.5pp	22.4%-14.6pp	37.0%-0.4pp	37.4%+2.9pp	34.5%+2.3pp	32.2%-2.8pp	34.9%+0.1pp	34.8%-5.8pp	40.6%+4.1pp	36.5%-2.3pp	38.9%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	31.8%+2.7pp	13.7%-14.9pp	31.7%	36.3%+15.2pp	29.1%+4.5pp	28.6%+2.1pp	-654.1%	21.1%-2.7pp
Return on Equity	3.2%+0.5pp	1.3%-1.3pp	3.1%+9.0pp	3.5%+1.6pp	2.8%+0.4pp	2.6%+0.2pp	-5.9%-6.1pp	2.0%-0.5pp
Return on Assets	0.3%+0.1pp	0.1%-0.1pp	0.3%+0.9pp	0.4%+0.2pp	0.3%+0.1pp	0.2%0.0pp	-0.5%-0.6pp	0.2%0.0pp
Debt-to-Equity	9.04-0.5x	9.27-0.5x	9.01-0.8x	9.27-1.4x	9.49-1.8x	9.77-1.7x	9.85-1.3x	10.65-1.6x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.000.0x	0.010.0x
FCF Margin	28.6%+4.8pp	20.3%-20.1pp	32.8%	36.1%+13.8pp	23.8%-26.2pp	40.4%+18.3pp	172.7%	22.3%-16.0pp

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.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Norwood Financial Corp NWFL	FY2025	$87.9M	$27.8M	31.6%	$368.8M	32/100
Chemung Financial Corp CHMG	FY2025	$95.1M	$15.1M	15.9%	$388.3M	26/100
FVCBankcorp, Inc. FVCB	FY2025	$1.8M	$22.1M	N/A	$313.3M	43/100
Isabella Bank Corporation ISBA	FY2025	$78.5M	$18.9M	24.1%	$284.5M	51/100
LCNB Corporation LCNB	FY2025	$92.0M	$23.1M	25.1%	$264.0M	54/100
Fidelity D & D Bancorp, Inc. FDBC	FY2025	$93.2M	$28.2M	30.3%	$317.9M	40/100

Where Norwood Financial Corp Ranks

Frequently Asked Questions

What is Norwood Financial Corp's annual revenue?

Norwood Financial Corp (NWFL) reported $87.9M in total revenue for fiscal year 2025. This represents a 72.3% 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 Financial Corp's revenue growing?

Norwood Financial Corp (NWFL) revenue grew by 72.3% year-over-year, from $51.0M to $87.9M in fiscal year 2025.

Is Norwood Financial Corp profitable?

Yes, Norwood Financial Corp (NWFL) reported a net income of $27.8M in fiscal year 2025, with a net profit margin of 31.6%.

What is Norwood Financial Corp's net profit margin?

Norwood Financial Corp (NWFL) had a net profit margin of 31.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Norwood Financial Corp pay dividends?

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

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

Norwood Financial Corp (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 Financial Corp's free cash flow?

Norwood Financial Corp (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 Financial Corp's operating cash flow?

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

What are Norwood Financial Corp's total assets?

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

What are Norwood Financial Corp's capital expenditures?

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

Does Norwood Financial Corp buy back shares?

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

How many shares does Norwood Financial Corp have outstanding?

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

What is Norwood Financial Corp's debt-to-equity ratio?

Norwood Financial Corp (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 Financial Corp's return on assets (ROA)?

Norwood Financial Corp (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 Financial Corp's P/E ratio?

Norwood Financial Corp (NWFL) trades at 12.8x earnings, its market capitalization divided by net income of $28.8M net income, trailing 12 months to June 30, 2026. The market capitalization is $368.8M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Norwood Financial Corp's price-to-sales ratio?

Norwood Financial Corp (NWFL) trades at 3.6x sales, its market capitalization divided by revenue of $103.1M revenue, trailing 12 months to June 30, 2026. The market capitalization is $368.8M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Norwood Financial Corp's Piotroski F-Score?

Norwood Financial Corp (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 Financial Corp's earnings high quality?

Norwood Financial Corp (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 Financial Corp?

Norwood Financial Corp (NWFL) scores 32 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.