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Apr 28, 2026·SEC
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Norwood Financial Corp.(NWFL)Earnings, Financials & Key Ratios
NWFL•NASDAQ•Banking & Credit
$30.17
$278M mkt cap·10.0× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutNorwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services. The company accepts a range of deposit products, including interest-bearing and non-interest bearing transaction accounts, and statement savings and money market accounts, as well as certificate of deposits. It also provides various loans, such as commercial loans comprising lines of credit, revolving credit, term loans, mortgages, secured lending products, and letter of credit facilities; municipal finance lending; construction loans for commercial construction projects and single-family residences; land loans; consumer loans; mortgage lending to finance principal residences and second home dwellings; and indirect dealer financing of new and used automobiles, boats, and recreational vehicles. In addition, the company offers investment securities services; trust and investment products; and cash management, direct deposit, remote deposit capture, mobile deposit capture, mobile payment, automated clearing house activity, real estate settlement, and Internet and mobile banking services. Further, it engages in the annuity and mutual fund sale, and discount brokerage activities, as well as insurance agency business. The company serves consumers, businesses, nonprofit organizations, and municipalities. It operates fourteen offices in Northeastern Pennsylvania; and sixteen offices in Delaware, Sullivan, Ontario, Otsego, and Yates Counties, New York, as well as thirty-one automated teller machines. Norwood Financial Corp. was founded in 1870 and is headquartered in Honesdale, Pennsylvania.Show more
- Net Interest Income$78M+25.9%
- Total Revenue$136M+34.2%
- Net Income$28M+17446.3%
- Return on Equity12.18%+15120.7%
- Net Interest Margin3.23%+20.4%
- Efficiency Ratio37.56%-21.6%
- ROA1.17%+16585.9%
- Equity / Assets9.99%+8.4%
- Book Value per Share26.43-1.0%
- Tangible BV/Share23.22+0.9%
- Debt/Equity0.31-66.5%
NWFL Key Insights
Norwood Financial Corp. (NWFL) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 7/9
- ✓Efficient operations: 37.6% efficiency ratio
- ✓Healthy dividend yield of 4.2%
- ✓Trading at only 1.1x book value
✗Weaknesses
- ✗Shares diluted 14.5% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
NWFL Price & Volume
Norwood Financial Corp. (NWFL) stock price & volume — 10-year historical chart
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NWFL Growth Metrics
Norwood Financial Corp. (NWFL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years15.41%
5 Years15.5%
3 Years16.73%
TTM-
Profit CAGR
10 Years16.73%
5 Years12.98%
3 Years-1.72%
TTM17338.51%
EPS CAGR
10 Years10.97%
5 Years7.71%
3 Years-5.41%
TTM30100%
Return on Capital
10 Years9.1%
5 Years9.93%
3 Years6.85%
Last Year11.83%
NWFL Recent Earnings
Norwood Financial Corp. (NWFL) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 3/12 qtrs (43%)●Beat Revenue 2/12 qtrs (29%)
Q2 2026Latest
Apr 27, 2026EPS
$0.72
Est $0.81
-11.1%
Revenue
$27M
Est $28M
-0.7%
Q2 2026
Mar 13, 2026EPS
$0.81
Revenue
$36M
Q1 2026
Jan 26, 2026EPS
$0.38
Est $0.85
-55.3%
Revenue
$36M
Est $24M
+51.3%
Q1 2026
Jan 22, 2026EPS
$0.84
Est $0.85
-1.2%
Revenue
$24M
Est $24M
+0.0%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 27, 2026 | $0.72vs $0.81-11.1% | $27Mvs $28M-0.7% |
| Q2 2026 | Mar 13, 2026 | $0.81 | $36M |
| Q1 2026 | Jan 26, 2026 | $0.38vs $0.85-55.3% | $36Mvs $24M+51.3% |
| Q1 2026 | Jan 22, 2026 | $0.84vs $0.85-1.2% | $24Mvs $24M+0.0% |
Based on last 12 quarters of dataView full earnings history →
NWFL Peer Comparison
Norwood Financial Corp. (NWFL) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 202.59M | 21.04 | 14.41 | -9.41% | 7.81% | 0.28 | ||
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 FXNC | 248.63M | 27.50 | 14.03 | 27.11% | 9.98% | 0.23 | ||
 FUNC | 243.7M | 37.51 | 11.91 | 16.94% | 12.52% | 1.05 | ||
 ACNB | 551.12M | 53.23 | 14.79 | 28.89% | 9.2% | 0.78 | ||
 FMNB | 558.59M | 14.21 | 9.80 | 0.88% | 12.01% | 0.76 | ||
 CZFS | 307.18M | 63.90 | 8.39 | 2.75% | 11.36% | 0.92 | ||
 PFIS | 589.34M | 58.90 | 10.02 | 22.26% | 11.81% | 0.50 |
Compare NWFL vs Peers
Norwood Financial Corp. (NWFL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
NWFL Income Statement
Norwood Financial Corp. (NWFL) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 34.91M | 36.84M | 38.61M | 50.48M | 65.31M | 68.4M | 62.07M | 62.19M | 78.32M |
| NII Growth % | 22.1% | 5.53% | 4.8% | 30.75% | 29.39% | 4.72% | -9.25% | 0.2% | 25.94% |
| Net Interest Margin % | 3.08% | 3.11% | 3.14% | 2.73% | 3.16% | 3.34% | 2.82% | 2.68% | 3.23% |
| Interest Income | 38.99M | 42.5M | 47.28M | 58.45M | 71.07M | 75.67M | 95.54M | 112.58M | 126.53M |
| Interest Expense | 4.08M | 5.66M | 8.68M | 7.98M | 5.76M | 7.27M | 33.47M | 50.39M | 48.2M |
| Loan Loss Provision | 2.2M | 1.73M | 1.25M | 5.45M | 4.2M | 900K | 5.55M | 2.67M | 1.3M |
| Non-Interest Income | 6.91M | 7.07M | 6.78M | 7.78M | 8.36M | 9.93M | 8.12M | -11.15M | 9.62M |
| Non-Interest Income % | 15.06% | 14.26% | 12.54% | 11.75% | 10.53% | 11.6% | 7.84% | -10.99% | 7.06% |
| Total Revenue | 45.9M▲ 0% | 49.56M▲ 8.0% | 54.06M▲ 9.1% | 66.23M▲ 22.5% | 79.43M▲ 19.9% | 85.6M▲ 7.8% | 103.66M▲ 21.1% | 101.43M▼ 2.2% | 136.14M▲ 34.2% |
| Revenue Growth % | 22.65% | 7.98% | 9.08% | 22.52% | 19.92% | 7.76% | 21.11% | -2.16% | 34.22% |
| Non-Interest Expense | 24.87M | 25.98M | 27.31M | 34.44M | 38.61M | 41.04M | 43.5M | 48.63M | 51.14M |
| Efficiency Ratio | 54.18% | 52.41% | 50.52% | 52% | 48.61% | 47.95% | 41.96% | 47.94% | 37.56% |
| Operating Income | 14.75M▲ 0% | 16.2M▲ 9.9% | 16.82M▲ 3.8% | 18.37M▲ 9.2% | 30.86M▲ 68.0% | 36.38M▲ 17.9% | 21.15M▼ 41.9% | -258K▼ 101.2% | 35.49M▲ 13854.3% |
| Operating Margin % | 32.13% | 32.7% | 31.12% | 27.73% | 38.85% | 42.51% | 20.4% | -0.25% | 26.07% |
| Operating Income Growth % | 71.6% | 9.87% | 3.82% | 9.17% | 68.03% | 17.9% | -41.88% | -101.22% | 13854.26% |
| Pretax Income | 14.75M▲ 0% | 16.2M▲ 9.9% | 16.82M▲ 3.8% | 18.37M▲ 9.2% | 30.86M▲ 68.0% | 36.38M▲ 17.9% | 21.15M▼ 41.9% | -258K▼ 101.2% | 35.02M▲ 13673.3% |
| Pretax Margin % | 32.13% | 32.7% | 31.12% | 27.73% | 38.85% | 42.51% | 20.4% | -0.25% | 25.72% |
| Income Tax | 6.55M | 2.55M | 2.61M | 3.29M | 5.95M | 7.15M | 4.39M | -98K | 7.26M |
| Effective Tax Rate % | 44.42% | 15.76% | 15.5% | 17.89% | 19.26% | 19.66% | 20.75% | 37.98% | 20.75% |
| Net Income | 8.2M▲ 0% | 13.65M▲ 66.5% | 14.21M▲ 4.1% | 15.08M▲ 6.1% | 24.91M▲ 65.2% | 29.23M▲ 17.3% | 16.76M▼ 42.7% | -160K▼ 101.0% | 27.75M▲ 17446.3% |
| Net Margin % | 17.86% | 27.54% | 26.29% | 22.77% | 31.37% | 34.15% | 16.17% | -0.16% | 20.39% |
| Net Income Growth % | 22.16% | 66.52% | 4.13% | 6.09% | 65.22% | 17.33% | -42.67% | -100.95% | 17446.25% |
| Net Income (Continuing) | 8.2M | 13.65M | 14.21M | 15.08M | 24.91M | 29.23M | 16.76M | -160K | 27.75M |
| EPS (Diluted) | 1.31▲ 0% | 2.17▲ 65.6% | 2.24▲ 3.2% | 2.09▼ 6.7% | 3.04▲ 45.5% | 3.58▲ 17.8% | 2.07▼ 42.2% | -0.02▼ 101.0% | 3.03▲ 15250.0% |
| EPS Growth % | 13.91% | 65.65% | 3.23% | -6.7% | 45.45% | 17.76% | -42.18% | -100.97% | 15250% |
| EPS (Basic) | 1.32 | 2.19 | 2.27 | 2.09 | 3.05 | 3.59 | 2.08 | -0.02 | 3.03 |
| Diluted Shares Outstanding | 6.26M | 6.29M | 6.33M | 7.23M | 8.2M | 8.18M | 8.08M | 8M | 9.16M |
NWFL Balance Sheet
Norwood Financial Corp. (NWFL) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 297.82M | 261.63M | 225.62M | 338.28M | 613.46M | 450.79M | 472.38M | 470.19M | 324.45M |
| Cash & Due from Banks | 16.7M | 18.35M | 15.41M | 111.69M | 206.68M | 31.87M | 66.12M | 72.34M | 44.44M |
| Short Term Investments | 281.12M | 243.28M | 210.21M | 226.59M | 406.78M | 418.93M | 406.26M | 397.85M | 280.02M |
| Total Investments | 1.04B | 1.09B | 1.13B | 1.62B | 1.75B | 1.88B | 1.99B | 2.09B | 2.24B |
| Investments Growth % | 2.73% | 4.57% | 3.8% | 44.21% | 7.46% | 7.48% | 6.13% | 5.06% | 7.2% |
| Long-Term Investments | 756.46M | 841.73M | 916.07M | 1.4B | 1.34B | 1.46B | 1.58B | 1.69B | 1.96B |
| Accounts Receivables | 3.72M | 3.78M | 3.72M | 6.23M | 5.89M | 6.92M | 8.12M | 8.47M | 9.25M |
| Goodwill & Intangibles | 11.79M | 11.67M | 11.57M | 29.82M | 29.67M | 29.57M | 29.49M | 29.42M | 29.36M |
| Goodwill | 11.33M | 11.33M | 11.33M | 29.29M | 29.27M | 29.27M | 29.27M | 29.27M | 29.27M |
| Intangible Assets | 462K | 336K | 235K | 530K | 407K | 306K | 221K | 152K | 98K |
| PP&E (Net) | 13.86M | 13.85M | 14.23M | 17.81M | 17.29M | 17.92M | 17.84M | 19.66M | 22.97M |
| Other Assets | 44.49M | 51.91M | 59.41M | 62.14M | 54.91M | 61.37M | 67.25M | 78.25M | 61.84M |
| Total Current Assets | 301.53M | 265.4M | 229.34M | 344.51M | 619.35M | 457.71M | 480.5M | 478.65M | 333.7M |
| Total Non-Current Assets | 831.38M | 919.16M | 1B | 1.51B | 1.45B | 1.59B | 1.72B | 1.84B | 2.09B |
| Total Assets | 1.13B▲ 0% | 1.18B▲ 4.6% | 1.23B▲ 3.9% | 1.85B▲ 50.5% | 2.07B▲ 11.7% | 2.05B▼ 1.0% | 2.2B▲ 7.5% | 2.32B▲ 5.3% | 2.42B▲ 4.6% |
| Asset Growth % | 1.96% | 4.56% | 3.89% | 50.48% | 11.7% | -1.04% | 7.52% | 5.29% | 4.63% |
| Return on Assets (ROA) | 0.73% | 1.18% | 1.18% | 0.98% | 1.27% | 1.42% | 0.79% | -0.01% | 1.17% |
| Accounts Payable | 1.43M | 1.81M | 2.43M | 1.6M | 1.2M | 2.65M | 10.51M | 12.62M | 12.14M |
| Total Debt | 78.47M | 105.33M | 118.69M | 105.76M | 90.82M | 173.22M | 168.31M | 194.86M | 74.13M |
| Net Debt | 61.78M | 86.98M | 103.28M | -5.93M | -115.86M | 141.35M | 102.19M | 122.52M | 29.7M |
| Long-Term Debt | 35.95M | 52.28M | 56.44M | 42.46M | 30M | 40M | 69.83M | 59.85M | 29.42M |
| Short-Term Debt | 42.53M | 53.05M | 62.26M | 63.3M | 60.82M | 133.22M | 98.48M | 135.01M | 44.71M |
| Other Liabilities | 7.88M | 8.36M | 14.53M | 14.33M | 14.43M | -23.61M | 46.03M | 37.31M | 17.77M |
| Total Current Liabilities | 973.35M | 1B | 1.02B | 1.6B | 1.82B | 1.86B | 1.9B | 2.01B | 2.14B |
| Total Non-Current Liabilities | 43.83M | 60.64M | 70.97M | 56.79M | 44.42M | 16.39M | 115.86M | 97.17M | 47.19M |
| Total Liabilities | 1.02B | 1.06B | 1.09B | 1.66B | 1.86B | 1.88B | 2.02B | 2.1B | 2.18B |
| Total Equity | 115.74M▲ 0% | 122.28M▲ 5.7% | 137.43M▲ 12.4% | 194.78M▲ 41.7% | 205.26M▲ 5.4% | 167.09M▼ 18.6% | 181.07M▲ 8.4% | 213.51M▲ 17.9% | 242.16M▲ 13.4% |
| Equity Growth % | 4.2% | 5.66% | 12.38% | 41.74% | 5.38% | -18.6% | 8.37% | 17.91% | 13.42% |
| Equity / Assets (Capital Ratio) | 10.22% | 10.32% | 11.17% | 10.52% | 9.92% | 8.16% | 8.23% | 9.21% | 9.99% |
| Return on Equity (ROE) | 7.23% | 11.47% | 10.95% | 9.08% | 12.46% | 15.7% | 9.63% | -0.08% | 12.18% |
| Book Value per Share | 18.49 | 19.44 | 21.70 | 26.94 | 25.04 | 20.43 | 22.40 | 26.69 | 26.43 |
| Tangible BV per Share | 16.61 | 17.59 | 19.88 | 22.82 | 21.42 | 16.82 | 18.75 | 23.01 | 23.22 |
| Common Stock | 626K | 630K | 634K | 824K | 827K | 829K | 831K | 949K | 952K |
| Additional Paid-in Capital | 47.43M | 48.32M | 49.47M | 95.39M | 96.44M | 96.9M | 97.7M | 98.51M | 127.43M |
| Retained Earnings | 70.43M | 78.43M | 86.54M | 93.8M | 110.02M | 130.02M | 135.28M | 152.96M | 141.13M |
| Accumulated OCI | -2.67M | -5.02M | 1.19M | 5.12M | -256K | -57.35M | -47.35M | -33.12M | -21.34M |
| Treasury Stock | -77K | -81K | -400K | -342K | -1.77M | -3.31M | -5.4M | -5.8M | -6.01M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
NWFL Cash Flow Statement
Norwood Financial Corp. (NWFL) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 16.05M | 17.3M | 18.44M | 13.8M | 29.2M | 30.73M | 29.82M | 22.81M | 33.97M |
| Operating CF Growth % | 41.1% | 7.77% | 6.59% | -25.17% | 111.63% | 5.26% | -2.96% | -23.53% | 48.93% |
| Net Income | 8.2M | 13.65M | 14.21M | 15.08M | 24.91M | 29.23M | 16.76M | -160K | 27.75M |
| Depreciation & Amortization | 1.07M | 1.02M | 1.11M | 1.44M | 1.6M | 1.57M | 1.46M | 1.38M | 0 |
| Deferred Taxes | 2.73M | 24K | 988K | 850K | -383K | 419K | 583K | -125K | 0 |
| Other Non-Cash Items | 3.52M | 1.85M | 949K | -2.01M | 2.57M | -1.55M | 3.54M | 19.23M | 7.47M |
| Working Capital Changes | 292K | 312K | 683K | -2.09M | -55K | 422K | 6.65M | 1.76M | -1.26M |
| Cash from Investing | -28.59M | -54.84M | -39.78M | -61.36M | -130.96M | -207.99M | -116.57M | -115.2M | -128.95M |
| Purchase of Investments | -19.95M | -15.46M | -21.54M | -82.35M | -268.24M | -130.83M | -12.67M | -208.05M | 0 |
| Sale/Maturity of Investments | 42.51M | 48.62M | 60.9M | 83.37M | 79.58M | 45.89M | 37.06M | 214.02M | 0 |
| Net Investment Activity | 22.55M | 33.16M | 39.36M | 1.02M | -188.66M | -84.94M | 24.39M | 5.97M | 0 |
| Acquisitions | 0 | 0 | 0 | 15.19M | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -49.51M | -87.13M | -77.52M | -76.82M | 58.95M | -120.91M | -139.54M | -118.05M | -128.95M |
| Cash from Financing | 12.06M | 39.19M | 18.41M | 143.84M | 196.75M | 2.44M | 121M | 98.62M | 67.08M |
| Dividends Paid | -5.39M | -5.51M | -6.04M | -7.26M | -8.54M | -9.16M | -9.42M | -9.72M | -11.49M |
| Share Repurchases | -1.59M | -194K | -428K | -108K | -1.44M | -2.52M | -3.1M | -703K | -361K |
| Stock Issued | 127K | 123K | 127K | 0 | 0 | 0 | 0 | 28.12M | 178K |
| Net Stock Activity | -1.46M | -71K | -301K | -108K | -1.44M | -2.52M | -3.1M | 27.41M | -183K |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K | -1000K |
| Other Financing | 5.38M | 18.04M | 11.51M | 164.14M | 221.68M | -28.28M | 68.42M | 64.37M | 219.48M |
| Net Change in Cash | -477K▲ 0% | 1.65M▲ 446.1% | -2.93M▼ 277.6% | 96.28M▲ 3382.6% | 94.99M▼ 1.3% | -174.81M▼ 284.0% | 34.25M▲ 119.6% | 6.22M▼ 81.8% | -27.9M▼ 548.7% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 17.17M | 16.7M | 18.35M | 15.41M | 111.69M | 206.68M | 31.87M | 66.12M | 72.34M |
| Cash at End | 16.7M | 18.35M | 15.41M | 111.69M | 206.68M | 31.87M | 66.12M | 72.34M | 44.44M |
| Interest Paid | 0 | 0 | 8.05M | 8.81M | 6.16M | 5.82M | 25.62M | 48.28M | 48.68M |
| Income Taxes Paid | 0 | 0 | 2.41M | 2.79M | 5.33M | 6.89M | 4.94M | 2.62M | 3.02M |
| Free Cash Flow | 14.42M▲ 0% | 16.43M▲ 13.9% | 16.82M▲ 2.4% | 13.05M▼ 22.4% | 27.94M▲ 114.1% | 28.58M▲ 2.3% | 28.41M▼ 0.6% | 19.68M▼ 30.7% | 28.92M▲ 47.0% |
| FCF Growth % | 32.7% | 13.92% | 2.37% | -22.4% | 114.13% | 2.29% | -0.59% | -30.73% | 46.96% |
NWFL Banking Ratios
Norwood Financial Corp. (NWFL) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 6.33% | 7.23% | 11.47% | 10.95% | 9.08% | 12.46% | 15.7% | 9.63% | -0.08% | 12.18% |
| Return on Assets (ROA) | 0.72% | 0.73% | 1.18% | 1.18% | 0.98% | 1.27% | 1.42% | 0.79% | -0.01% | 1.17% |
| Net Interest Margin | 2.57% | 3.08% | 3.11% | 3.14% | 2.73% | 3.16% | 3.34% | 2.82% | 2.68% | 3.23% |
| Efficiency Ratio | 61.79% | 54.18% | 52.41% | 50.52% | 52% | 48.61% | 47.95% | 41.96% | 47.94% | 37.56% |
| Equity / Assets | 10% | 10.22% | 10.32% | 11.17% | 10.52% | 9.92% | 8.16% | 8.23% | 9.21% | 9.99% |
| Book Value / Share | 19.09 | 18.49 | 19.44 | 21.7 | 26.94 | 25.04 | 20.43 | 22.4 | 26.69 | 26.43 |
| NII Growth | 16.59% | 22.1% | 5.53% | 4.8% | 30.75% | 29.39% | 4.72% | -9.25% | 0.2% | 25.94% |
| Dividend Payout | 70.24% | 65.7% | 40.36% | 42.5% | 48.16% | 34.27% | 31.33% | 56.19% | - | 41.4% |
NWFL SEC Filings & Documents
Norwood Financial Corp. (NWFL) SEC filings — annual & quarterly reports (10-K, 10-Q)
NWFL Frequently Asked Questions
Norwood Financial Corp. (NWFL) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Norwood Financial Corp. (NWFL) grew revenue by 34.2% over the past year. This is strong growth.
Yes, Norwood Financial Corp. (NWFL) is profitable, generating $27.8M in net income for fiscal year 2025 (20.4% net margin).
Dividend & Returns
Yes, Norwood Financial Corp. (NWFL) pays a dividend with a yield of 4.16%. This makes it attractive for income-focused investors.
Norwood Financial Corp. (NWFL) has a return on equity (ROE) of 12.2%. This is reasonable for most industries.
Industry Metrics
Norwood Financial Corp. (NWFL) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
Norwood Financial Corp. (NWFL) has an efficiency ratio of 37.6%. This is excellent, indicating strong cost control.
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Norwood Financial Corp. (NWFL) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates