Norwood Finl Financials
This page shows Norwood Finl (NWFL) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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).
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
Interest expense stayed very high at
Financial Health Signals
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.
Norwood Finl passes 5 of 5 computable financial strength tests (4 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), both operating efficiency signals pass.
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
Earnings & Revenue
Norwood Finl generated $8.0M in revenue in fiscal year 2025. This represents an increase of 8.1% from the prior year.
Norwood Finl reported $27.8M in net income in fiscal year 2025. This represents an increase of 17446.9% from the prior year.
Norwood Finl earned $3.01 per diluted share (EPS) in fiscal year 2025. This represents an increase of 15150.0% from the prior year.
Cash & Balance Sheet
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.
Norwood Finl held $44.4M in cash against $0 in long-term debt as of fiscal year 2025.
Norwood Finl paid $1.25 per share in dividends in fiscal year 2025. This represents an increase of 3.3% from the prior year.
Margins & Returns
Norwood Finl's net profit margin was 347.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 349.1 percentage points from the prior year.
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.
Capital Allocation
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.
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.
NWFL Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $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-0.3% | $1.9M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $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+4.8% | $6.0M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $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-1.5% | $12.7M |
| Income Tax | $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-10.8% | $1.1M |
| Net Income | $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-8.8% | $4.2M |
| EPS (Diluted) | $0.35 | N/A | $0.89+32.8% | $0.67+6.3% | $0.63 | N/A | $0.48-7.7% | $0.52 |
NWFL Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $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+2.0% | $2.2B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $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+19.4% | $69.4M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $36.4M+24.3% | $29.3M0.0% | $29.3M0.0% | $29.3M0.0% | $29.3M0.0% | $29.3M0.0% | $29.3M0.0% | $29.3M |
| Total Liabilities | $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+1.5% | $2.1B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $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+7.4% | $182.2M |
| Retained Earnings | $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+1.0% | $139.1M |
NWFL Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $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-49.0% | $9.1M |
| Capital Expenditures | $455K-57.6% | $1.1M+3.6% | $1.0M-38.2% | $1.7M+79.9% | $932K-36.5% | $1.5M+156.0% | $573K+7.5% | $533K |
| Free Cash Flow | $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-52.5% | $8.6M |
| Investing Cash Flow | $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+0.6% | -$20.0M |
| Financing Cash Flow | $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+190.8% | -$31.7M |
| Dividends Paid | $3.5M+22.1% | $2.9M0.0% | $2.9M0.0% | $2.9M-0.1% | $2.9M+18.5% | $2.4M0.0% | $2.4M-0.3% | $2.4M |
| Share Buybacks | $349K+2808.3% | $12K | $0 | $0-100.0% | $349K+1192.6% | $27K-71.9% | $96K | N/A |
NWFL Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 163.9%-189.0pp | 352.9%-55.2pp | 408.1%+76.1pp | 332.0%+40.3pp | 291.7%+945.8pp | -654.1%-859.2pp | 205.1%-19.0pp | 224.1% |
| Return on Equity | 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%-0.3pp | 2.3% |
| Return on Assets | 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%-0.0pp | 0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 9.27+0.3 | 9.01-0.3 | 9.27-0.2 | 9.49-0.3 | 9.77-0.1 | 9.85-0.8 | 10.65-0.6 | 11.27 |
| FCF Margin | 243.5%-121.6pp | 365.1%-41.4pp | 406.6%+134.9pp | 271.7%-140.9pp | 412.6%+240.0pp | 172.7%-44.6pp | 217.3%-238.7pp | 456.0% |
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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, with a net profit margin of 347.0%.
What is Norwood Finl's net profit margin?
Norwood Finl (NWFL) had a net profit margin of 347.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
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.
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 5 computable signals; 4 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 30 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.