NWFL

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Norwood Financial Corp.

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Key Metrics

Previous Close: $33.60
52-Week Range: $23.82 – $35.45
Market Cap: $368.27M
P/E (TTM): 11.57
EPS (TTM): 2.92
Dividend Yield: 3.81%

Advanced Metrics

Price/Book: 1.26
PEG Ratio: 2.36
Return on Equity: 11.20%
Return on Assets: 1.09%
Gross Margin: 0.00%
Operating Margin: 44.88%
Profit Margin: 28.93%
Current Ratio: —
Debt/Equity: —
Total Debt: $66.32M
Free Cash Flow: —
Revenue Growth: 34.70%
Earnings Growth: 28.40%
Enterprise Value: $369.60M

NWFL Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$78.33M	$70.19M	$51.04M	$87.94M
Selling, General & Admin	$23.20M	$25.18M	$27.29M	$29.22M
Pretax Income	$36.38M	$21.15M	-$258.00K	$35.02M
Income Tax	$7.15M	$4.39M	-$98.00K	$7.26M
Net Income	$29.23M	$16.76M	-$160.00K	$27.75M
Diluted EPS	3.58	2.07	-0.02	3.01
Diluted Shares	8.17M	8.10M	8.00M	9.22M

NWFL Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$31.87M	$66.12M	$72.34M	$44.44M
Receivables	$6.92M	$8.12M	$8.47M	$9.25M
Total Assets	$2.05B	$2.20B	$2.32B	$2.42B
Long-Term Debt	$40.00M	$69.83M	$59.85M	$29.42M
Total Debt	$82.26M	$114.24M	$158.53M	$74.13M
Total Liabilities	$1.88B	$2.02B	$2.10B	$2.18B
Retained Earnings	$130.02M	$135.28M	$124.96M	$141.13M
Shareholders' Equity	$167.09M	$181.07M	$213.51M	$242.16M
Net Debt	$50.40M	$48.12M	$86.19M	$29.70M

NWFL Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$30.73M	$29.82M	$22.81M	$33.97M
Capital Expenditure	-$2.15M	-$1.41M	-$3.13M	-$4.72M
Free Cash Flow	$28.58M	$28.41M	$19.68M	$29.25M
Depreciation & Amortisation	$1.57M	$1.46M	$1.38M	$1.47M
Stock-Based Compensation	$641.00K	$830.00K	$721.00K	$776.00K
Investing Cash Flow	-$207.99M	-$116.57M	-$115.20M	-$128.95M
Financing Cash Flow	$2.44M	$121.00M	$98.62M	$67.08M
Dividends Paid	-$9.16M	-$9.42M	-$9.72M	-$11.49M
Share Repurchases	-$2.52M	-$3.10M	-$703.00K	-$361.00K
Net Change in Cash	-$174.81M	$34.25M	$6.22M	-$27.90M

NWFL Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$21.31M	$22.96M	$23.46M	$27.27M	—
Selling, General & Admin	$6.96M	$7.06M	$8.32M	$9.06M	—
Pretax Income	$7.83M	$10.53M	$9.37M	$4.82M	—
Income Tax	$1.63M	$2.20M	$1.93M	$1.09M	—
Net Income	$6.21M	$8.33M	$7.44M	$3.73M	—
Diluted EPS	0.67	0.89	0.81	0.35	0.86
Diluted Shares	9.26M	9.36M	9.19M	10.66M	10.85M

NWFL Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$75.41M	$53.05M	$74.73M	$44.44M	$100.74M
Receivables	$8.59M	$8.64M	$8.69M	$9.25M	$10.81M
Total Assets	$2.38B	$2.37B	$2.41B	$2.42B	$2.92B
Long-Term Debt	$118.59M	$85.35M	$62.07M	$29.42M	$88.27M
Total Debt	$118.59M	$111.85M	$72.07M	$74.13M	$88.27M
Total Liabilities	$2.16B	$2.14B	$2.18B	$2.18B	$2.63B
Retained Earnings	$127.86M	$131.20M	$136.66M	$141.13M	$140.84M
Shareholders' Equity	$220.71M	$225.43M	$234.91M	$242.16M	$283.94M
Net Debt	$43.18M	$58.80M	—	$29.70M	—

NWFL Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$9.10M	$6.75M	$9.34M	$8.78M	$6.00M
Capital Expenditure	-$932.00K	-$1.68M	-$1.04M	-$1.07M	-$455.00K
Free Cash Flow	$8.17M	$5.08M	$8.30M	$7.70M	$5.54M
Depreciation & Amortisation	$331.00K	$357.00K	$374.00K	$407.00K	$603.00K
Stock-Based Compensation	$179.00K	$178.00K	$179.00K	$240.00K	$210.00K
Investing Cash Flow	-$51.82M	-$12.89M	-$21.15M	-$43.09M	$11.21M
Financing Cash Flow	$45.79M	-$16.23M	$33.50M	$4.02M	$40.93M
Dividends Paid	-$2.88M	-$2.87M	-$2.87M	-$2.87M	-$3.51M
Share Repurchases	-$349.00K	$0.00	$0.00	-$12.00K	$0.00
Net Change in Cash	$3.07M	-$22.36M	$21.68M	-$30.29M	$58.14M

Market Snapshot

About

Norwood Financial Corp. is the bank holding company for Wayne Bank, a community bank serving northeastern Pennsylvania with a full range of personal and business banking products, mortgages, and financial services.