Norwood Financial Corp. (NWFL) 10-Year Financial Performance & Capital Metrics

NWFL • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingNortheast Community 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 $62M +0.2%
Total Revenue $101M -2.2%
Net Income -$160K -101.0%
Return on Equity -0.08% -100.8%
Net Interest Margin 2.68% -4.8%
Efficiency Ratio 47.94% +14.3%
ROA -0.01% -100.9%
Equity / Assets 9.21% +12.0%
Book Value per Share 26.69 +19.2%
Tangible BV/Share 23.01 +22.7%
Debt/Equity 0.91 -1.8%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 47.9% efficiency ratio
✓Healthy dividend yield of 4.3%
✓Trading at only 1.1x book value

✗Weaknesses

✗Weak Piotroski F-Score: 3/9

Price & Volume

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Growth Metrics

Revenue CAGR

10Y11.92%

5Y13.41%

3Y8.49%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM-40.35%

EPS CAGR

10Y-

5Y-

3Y-

TTM-59.12%

ROCE

10Y Avg8.47%

5Y Avg9.16%

3Y Avg8.51%

Latest-0.08%

Peer Comparison

Northeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
DCOMDime Community Bancshares, Inc.	1.37B	31.13	56.60	0.1%	4.5%	4.02%	6.79%	0.70
EBCEastern Bankshares, Inc.	4.4B	19.56	29.64	91.64%	11.17%	1.3%	6.14%	0.01
LYGLloyds Banking Group plc	80.5B	5.48	21.92	10.79%	11.75%	9.93%		1.76
CFGCitizens Financial Group, Inc.	26.03B	60.61	20.00	1.31%	12.22%	6.6%	7.22%	0.51
PFSProvident Financial Services, Inc.	2.65B	20.29	19.32	63.91%	10.13%	7.51%	16.04%	0.93
CBUCommunity Bank System, Inc.	3.3B	62.73	18.24	24.44%	19.4%	10.34%	6.71%	0.57
VLYValley National Bancorp	6.7B	12.02	17.42	6.51%	10.65%	6.53%	8.18%	0.50
INDBIndependent Bank Corp.	3.8B	76.62	16.95	6.89%	19.72%	7.76%	5.51%	0.23

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	24.52M	28.59M	34.91M	36.84M	38.61M	50.48M	65.31M	68.4M	62.07M	62.19M
NII Growth %	-0%	0.17%	0.22%	0.06%	0.05%	0.31%	0.29%	0.05%	-0.09%	0%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	27.78M	32.24M	38.99M	42.5M	47.28M	58.45M	71.07M	75.67M	95.54M	112.58M
Interest Expense	3.26M	3.65M	4.08M	5.66M	8.68M	7.98M	5.76M	7.27M	33.47M	50.39M
Loan Loss Provision	4.58M	2.05M	2.2M	1.73M	1.25M	5.45M	4.2M	900K	5.55M	2.67M
Non-Interest Income+	4.7M	5.18M	6.91M	7.07M	6.78M	7.78M	8.36M	9.93M	8.12M	-11.15M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	32.48M	37.42M	45.9M	49.56M	54.06M	66.23M	79.43M	85.6M	103.66M	101.43M
Revenue Growth %	-0.01%	0.15%	0.23%	0.08%	0.09%	0.23%	0.2%	0.08%	0.21%	-0.02%
Non-Interest Expense	17.1M	23.12M	24.87M	25.98M	27.31M	34.44M	38.61M	41.04M	43.5M	48.63M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	7.54M	8.6M	14.75M	16.2M	16.82M	18.37M	30.86M	36.38M	21.15M	-258K
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.27%	0.14%	0.72%	0.1%	0.04%	0.09%	0.68%	0.18%	-0.42%	-1.01%
Pretax Income+	7.54M	8.6M	14.75M	16.2M	16.82M	18.37M	30.86M	36.38M	21.15M	-258K
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	1.63M	1.88M	6.55M	2.55M	2.61M	3.29M	5.95M	7.15M	4.39M	-98K
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	5.91M	6.71M	8.2M	13.65M	14.21M	15.08M	24.91M	29.23M	16.76M	-160K
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.23%	0.14%	0.22%	0.67%	0.04%	0.06%	0.65%	0.17%	-0.43%	-1.01%
Net Income (Continuing)	5.91M	6.71M	8.2M	13.65M	14.21M	15.08M	24.91M	29.23M	16.76M	-160K
EPS (Diluted)+	1.07	1.15	1.31	2.17	2.24	2.09	3.04	3.58	2.07	-0.02
EPS Growth %	-0.24%	0.07%	0.14%	0.66%	0.03%	-0.07%	0.45%	0.18%	-0.42%	-1.01%
EPS (Basic)	1.07	1.16	1.32	2.19	2.27	2.09	3.05	3.59	2.08	-0.02
Diluted Shares Outstanding	5.54M	5.82M	6.26M	6.29M	6.33M	7.23M	8.2M	8.18M	8.08M	8M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	10.01M	17.17M	16.7M	18.35M	15.41M	111.69M	206.68M	31.87M	66.12M	72.34M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	691.48M	1.01B	1.04B	1.09B	1.13B	1.62B	1.75B	1.88B	1.99B	2.09B
Investments Growth %	0.06%	0.46%	0.03%	0.05%	0.04%	0.44%	0.07%	0.07%	0.06%	0.05%
Long-Term Investments	552.63M	707.43M	756.46M	841.73M	916.07M	1.4B	1.34B	1.46B	1.58B	1.69B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	9.71M	11.33M	11.33M	11.33M	11.33M	29.29M	29.27M	29.27M	29.27M	29.27M
Intangible Assets	285K	612K	462K	336K	235K	530K	407K	306K	221K	152K
PP&E (Net)	6.47M	13.53M	13.86M	13.85M	14.23M	17.81M	17.29M	17.92M	17.84M	19.66M
Other Assets	26.51M	45.91M	44.49M	51.91M	59.41M	62.14M	54.91M	61.37M	67.25M	78.25M
Total Current Assets	151.22M	323.38M	301.53M	265.4M	229.34M	344.51M	619.35M	457.71M	480.5M	478.65M
Total Non-Current Assets	599.28M	787.8M	831.38M	919.16M	1B	1.51B	1.45B	1.59B	1.72B	1.84B
Total Assets+	750.5M	1.11B	1.13B	1.18B	1.23B	1.85B	2.07B	2.05B	2.2B	2.32B
Asset Growth %	0.05%	0.48%	0.02%	0.05%	0.04%	0.5%	0.12%	-0.01%	0.08%	0.05%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	-0%
Accounts Payable	957K	1.07M	1.43M	1.81M	2.43M	1.6M	1.2M	2.65M	10.51M	12.62M
Total Debt+	94.36M	64.81M	78.47M	105.33M	118.69M	105.76M	90.82M	173.22M	168.31M	194.86M
Net Debt	84.35M	47.64M	61.78M	86.98M	103.28M	-5.93M	-115.86M	141.35M	102.19M	122.52M
Long-Term Debt	41.13M	32M	35.95M	52.28M	56.44M	42.46M	30M	40M	69.83M	59.85M
Short-Term Debt	53.23M	32.81M	42.53M	53.05M	62.26M	63.3M	60.82M	133.22M	98.48M	135.01M
Other Liabilities	3.28M	8.84M	7.88M	8.36M	14.53M	14.33M	14.43M	-23.61M	46.03M	37.31M
Total Current Liabilities	605.1M	959.26M	973.35M	1B	1.02B	1.6B	1.82B	1.86B	1.9B	2.01B
Total Non-Current Liabilities	44.41M	40.84M	43.83M	60.64M	70.97M	56.79M	44.42M	16.39M	115.86M	97.17M
Total Liabilities	649.51M	1B	1.02B	1.06B	1.09B	1.66B	1.86B	1.88B	2.02B	2.1B
Total Equity+	101M	111.08M	115.74M	122.28M	137.43M	194.78M	205.26M	167.09M	181.07M	213.51M
Equity Growth %	0.02%	0.1%	0.04%	0.06%	0.12%	0.42%	0.05%	-0.19%	0.08%	0.18%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.06%	0.06%	0.07%	0.11%	0.11%	0.09%	0.12%	0.16%	0.1%	-0%
Book Value per Share	18.23	19.09	18.49	19.44	21.70	26.94	25.04	20.43	22.40	26.69
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	373K	416K	626K	630K	634K	824K	827K	829K	831K	949K
Additional Paid-in Capital	35.35M	47.68M	47.43M	48.32M	49.47M	95.39M	96.44M	96.9M	97.7M	98.51M
Retained Earnings	65.41M	67.22M	70.43M	78.43M	86.54M	93.8M	110.02M	130.02M	135.28M	152.96M
Accumulated OCI	488K	-4.12M	-2.67M	-5.02M	1.19M	5.12M	-256K	-57.35M	-47.35M	-33.12M
Treasury Stock	-626K	-125K	-77K	-81K	-400K	-342K	-1.77M	-3.31M	-5.4M	-5.8M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	10.5M	11.38M	16.05M	17.3M	18.44M	13.8M	29.2M	30.73M	29.82M	22.81M
Operating CF Growth %	-0%	0.08%	0.41%	0.08%	0.07%	-0.25%	1.12%	0.05%	-0.03%	-0.24%
Net Income	5.91M	6.71M	8.2M	13.65M	14.21M	15.08M	24.91M	29.23M	16.76M	-160K
Depreciation & Amortization	656K	848K	1.07M	1.02M	1.11M	1.44M	1.6M	1.57M	1.46M	1.38M
Deferred Taxes	-387K	746K	2.73M	24K	988K	850K	-383K	419K	583K	-125K
Other Non-Cash Items	4.23M	2.55M	3.52M	1.85M	949K	-2.01M	2.57M	-1.55M	3.54M	19.23M
Working Capital Changes	-33K	363K	292K	312K	683K	-2.09M	-55K	422K	6.65M	1.76M
Cash from Investing+	-46.24M	3.54M	-28.59M	-54.84M	-39.78M	-61.36M	-130.96M	-207.99M	-116.57M	-115.2M
Purchase of Investments	-50.56M	-100.98M	-19.95M	-15.46M	-21.54M	-82.35M	-268.24M	-130.83M	-12.67M	-208.05M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	11.11M	0	0	0	15.19M	0	0	0	0
Other Investing	-63.22M	-43.01M	-49.51M	-87.13M	-77.52M	-76.82M	58.95M	-120.91M	-139.54M	-118.05M
Cash from Financing+	33.38M	-7.75M	12.06M	39.19M	18.41M	143.84M	196.75M	2.44M	121M	98.62M
Dividends Paid	-4.53M	-4.71M	-5.39M	-5.51M	-6.04M	-7.26M	-8.54M	-9.16M	-9.42M	-9.72M
Share Repurchases	-127K	-447K	-1.59M	-194K	-428K	-108K	-1.44M	-2.52M	-3.1M	-703K
Stock Issued	146K	131K	127K	123K	127K	0	0	0	0	28.12M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	1000K	1000K	1000K	-1000K	-1000K	1000K	1000K	1000K
Other Financing	-8.45M	48.19M	5.38M	18.04M	11.51M	164.14M	221.68M	-28.28M	68.42M	64.37M
Net Change in Cash+	-2.37M	7.16M	-477K	1.65M	-2.93M	96.28M	94.99M	-174.81M	34.25M	6.22M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	12.38M	10.01M	17.17M	16.7M	18.35M	15.41M	111.69M	206.68M	31.87M	66.12M
Cash at End	10.01M	17.17M	16.7M	18.35M	15.41M	111.69M	206.68M	31.87M	66.12M	72.34M
Interest Paid	3.27M	3.54M	0	0	8.05M	8.81M	6.16M	5.82M	25.62M	48.28M
Income Taxes Paid	2.31M	1.53M	0	0	2.41M	2.79M	5.33M	6.89M	4.94M	2.62M
Free Cash Flow+	10.21M	10.87M	14.42M	16.43M	16.82M	13.05M	27.94M	28.58M	28.41M	19.68M
FCF Growth %	-0.01%	0.06%	0.33%	0.14%	0.02%	-0.22%	1.14%	0.02%	-0.01%	-0.31%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	5.91%	6.33%	7.23%	11.47%	10.95%	9.08%	12.46%	15.7%	9.63%	-0.08%
Return on Assets (ROA)	0.81%	0.72%	0.73%	1.18%	1.18%	0.98%	1.27%	1.42%	0.79%	-0.01%
Net Interest Margin	3.27%	2.57%	3.08%	3.11%	3.14%	2.73%	3.16%	3.34%	2.82%	2.68%
Efficiency Ratio	52.65%	61.79%	54.18%	52.41%	50.52%	52%	48.61%	47.95%	41.96%	47.94%
Equity / Assets	13.46%	10%	10.22%	10.32%	11.17%	10.52%	9.92%	8.16%	8.23%	9.21%
Book Value / Share	18.23	19.09	18.49	19.44	21.7	26.94	25.04	20.43	22.4	26.69
NII Growth	-0.16%	16.59%	22.1%	5.53%	4.8%	30.75%	29.39%	4.72%	-9.25%	0.2%
Dividend Payout	76.62%	70.24%	65.7%	40.36%	42.5%	48.16%	34.27%	31.33%	56.19%	-

Revenue by Segment

	2018	2019	2020	2021	2022	2023	2024
Debit Card	1.33M	1.42M	1.66M	2.23M	2.5M	2.3M	2.31M
Debit Card Growth	-	7.07%	16.29%	34.54%	12.03%	-7.81%	0.56%
Overdraft Fees	1.5M	1.38M	985K	1.03M	1.16M	1.34M	1.42M
Overdraft Fees Growth	-	-8.31%	-28.62%	4.47%	12.24%	16.36%	5.80%
Fiduciary Activities	589K	610K	682K	748K	845K	898K	943K
Fiduciary Activities Growth	-	3.57%	11.80%	9.68%	12.97%	6.27%	5.01%
Loan Related Service Fees	515K	614K	1.29M	1.24M	849K	584K	690K
Loan Related Service Fees Growth	-	19.22%	109.77%	-3.88%	-31.42%	-31.21%	18.15%
Financial Service Other	782K	500K	540K	674K	1.91M	667K	626K
Financial Service Other Growth	-	-36.06%	8.00%	24.81%	182.79%	-65.01%	-6.15%
Deposit Account	-	301K	377K	398K	419K	428K	453K
Deposit Account Growth	-	-	25.25%	5.57%	5.28%	2.15%	5.84%
Atm Fees	398K	384K	457K	443K	452K	446K	424K
Atm Fees Growth	-	-3.52%	19.01%	-3.06%	2.03%	-1.33%	-4.93%
Commissions On Mutual Funds And Annuities	185K	141K	122K	127K	119K	296K	407K
Commissions On Mutual Funds And Annuities Growth	-	-23.78%	-13.48%	4.10%	-6.30%	148.74%	37.50%
Safe Deposit Box Rental	96K	94K	102K	100K	93K	92K	88K
Safe Deposit Box Rental Growth	-	-2.08%	8.51%	-1.96%	-7.00%	-1.08%	-4.35%
Gains On Sales Of Other Real Estate Owned	-	-	-	-	427K	80K	32K
Gains On Sales Of Other Real Estate Owned Growth	-	-	-	-	-	-81.26%	-60.00%
Service Charges On Deposit Accounts	263K	-	-	-	-	-	-
Service Charges On Deposit Accounts Growth	-	-	-	-	-	-	-

Frequently Asked Questions

Growth & Financials

Norwood Financial Corp. (NWFL) saw revenue decline by 2.2% over the past year.

Yes, Norwood Financial Corp. (NWFL) is profitable, generating $7.7M in net income for fiscal year 2024 (-0.2% net margin).

Dividend & Returns

Yes, Norwood Financial Corp. (NWFL) pays a dividend with a yield of 4.30%. This makes it attractive for income-focused investors.

Norwood Financial Corp. (NWFL) has a return on equity (ROE) of -0.1%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Norwood Financial Corp. (NWFL) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.

Norwood Financial Corp. (NWFL) has an efficiency ratio of 47.9%. This is excellent, indicating strong cost control.

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Norwood Financial Corp. (NWFL) 10-Year Financial Performance & Capital Metrics

NWFL • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingNortheast Community Banks

Net Interest Income $62M +0.2%
Total Revenue $101M -2.2%
Net Income -$160K -101.0%
Return on Equity -0.08% -100.8%
Net Interest Margin 2.68% -4.8%
Efficiency Ratio 47.94% +14.3%
ROA -0.01% -100.9%
Equity / Assets 9.21% +12.0%
Book Value per Share 26.69 +19.2%
Tangible BV/Share 23.01 +22.7%
Debt/Equity 0.91 -1.8%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 47.9% efficiency ratio
✓Healthy dividend yield of 4.3%
✓Trading at only 1.1x book value

✗Weaknesses

✗Weak Piotroski F-Score: 3/9

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y11.92%

5Y13.41%

3Y8.49%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM-40.35%

EPS CAGR

10Y-

5Y-

3Y-

TTM-59.12%

ROCE

10Y Avg8.47%

5Y Avg9.16%

3Y Avg8.51%

Latest-0.08%

Peer Comparison

Northeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
DCOMDime Community Bancshares, Inc.	1.37B	31.13	56.60	0.1%	4.5%	4.02%	6.79%	0.70
EBCEastern Bankshares, Inc.	4.4B	19.56	29.64	91.64%	11.17%	1.3%	6.14%	0.01
LYGLloyds Banking Group plc	80.5B	5.48	21.92	10.79%	11.75%	9.93%		1.76
CFGCitizens Financial Group, Inc.	26.03B	60.61	20.00	1.31%	12.22%	6.6%	7.22%	0.51
PFSProvident Financial Services, Inc.	2.65B	20.29	19.32	63.91%	10.13%	7.51%	16.04%	0.93
CBUCommunity Bank System, Inc.	3.3B	62.73	18.24	24.44%	19.4%	10.34%	6.71%	0.57
VLYValley National Bancorp	6.7B	12.02	17.42	6.51%	10.65%	6.53%	8.18%	0.50
INDBIndependent Bank Corp.	3.8B	76.62	16.95	6.89%	19.72%	7.76%	5.51%	0.23

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	24.52M	28.59M	34.91M	36.84M	38.61M	50.48M	65.31M	68.4M	62.07M	62.19M
NII Growth %	-0%	0.17%	0.22%	0.06%	0.05%	0.31%	0.29%	0.05%	-0.09%	0%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	27.78M	32.24M	38.99M	42.5M	47.28M	58.45M	71.07M	75.67M	95.54M	112.58M
Interest Expense	3.26M	3.65M	4.08M	5.66M	8.68M	7.98M	5.76M	7.27M	33.47M	50.39M
Loan Loss Provision	4.58M	2.05M	2.2M	1.73M	1.25M	5.45M	4.2M	900K	5.55M	2.67M
Non-Interest Income+	4.7M	5.18M	6.91M	7.07M	6.78M	7.78M	8.36M	9.93M	8.12M	-11.15M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	32.48M	37.42M	45.9M	49.56M	54.06M	66.23M	79.43M	85.6M	103.66M	101.43M
Revenue Growth %	-0.01%	0.15%	0.23%	0.08%	0.09%	0.23%	0.2%	0.08%	0.21%	-0.02%
Non-Interest Expense	17.1M	23.12M	24.87M	25.98M	27.31M	34.44M	38.61M	41.04M	43.5M	48.63M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	7.54M	8.6M	14.75M	16.2M	16.82M	18.37M	30.86M	36.38M	21.15M	-258K
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.27%	0.14%	0.72%	0.1%	0.04%	0.09%	0.68%	0.18%	-0.42%	-1.01%
Pretax Income+	7.54M	8.6M	14.75M	16.2M	16.82M	18.37M	30.86M	36.38M	21.15M	-258K
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	1.63M	1.88M	6.55M	2.55M	2.61M	3.29M	5.95M	7.15M	4.39M	-98K
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	5.91M	6.71M	8.2M	13.65M	14.21M	15.08M	24.91M	29.23M	16.76M	-160K
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.23%	0.14%	0.22%	0.67%	0.04%	0.06%	0.65%	0.17%	-0.43%	-1.01%
Net Income (Continuing)	5.91M	6.71M	8.2M	13.65M	14.21M	15.08M	24.91M	29.23M	16.76M	-160K
EPS (Diluted)+	1.07	1.15	1.31	2.17	2.24	2.09	3.04	3.58	2.07	-0.02
EPS Growth %	-0.24%	0.07%	0.14%	0.66%	0.03%	-0.07%	0.45%	0.18%	-0.42%	-1.01%
EPS (Basic)	1.07	1.16	1.32	2.19	2.27	2.09	3.05	3.59	2.08	-0.02
Diluted Shares Outstanding	5.54M	5.82M	6.26M	6.29M	6.33M	7.23M	8.2M	8.18M	8.08M	8M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	10.01M	17.17M	16.7M	18.35M	15.41M	111.69M	206.68M	31.87M	66.12M	72.34M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	691.48M	1.01B	1.04B	1.09B	1.13B	1.62B	1.75B	1.88B	1.99B	2.09B
Investments Growth %	0.06%	0.46%	0.03%	0.05%	0.04%	0.44%	0.07%	0.07%	0.06%	0.05%
Long-Term Investments	552.63M	707.43M	756.46M	841.73M	916.07M	1.4B	1.34B	1.46B	1.58B	1.69B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	9.71M	11.33M	11.33M	11.33M	11.33M	29.29M	29.27M	29.27M	29.27M	29.27M
Intangible Assets	285K	612K	462K	336K	235K	530K	407K	306K	221K	152K
PP&E (Net)	6.47M	13.53M	13.86M	13.85M	14.23M	17.81M	17.29M	17.92M	17.84M	19.66M
Other Assets	26.51M	45.91M	44.49M	51.91M	59.41M	62.14M	54.91M	61.37M	67.25M	78.25M
Total Current Assets	151.22M	323.38M	301.53M	265.4M	229.34M	344.51M	619.35M	457.71M	480.5M	478.65M
Total Non-Current Assets	599.28M	787.8M	831.38M	919.16M	1B	1.51B	1.45B	1.59B	1.72B	1.84B
Total Assets+	750.5M	1.11B	1.13B	1.18B	1.23B	1.85B	2.07B	2.05B	2.2B	2.32B
Asset Growth %	0.05%	0.48%	0.02%	0.05%	0.04%	0.5%	0.12%	-0.01%	0.08%	0.05%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	-0%
Accounts Payable	957K	1.07M	1.43M	1.81M	2.43M	1.6M	1.2M	2.65M	10.51M	12.62M
Total Debt+	94.36M	64.81M	78.47M	105.33M	118.69M	105.76M	90.82M	173.22M	168.31M	194.86M
Net Debt	84.35M	47.64M	61.78M	86.98M	103.28M	-5.93M	-115.86M	141.35M	102.19M	122.52M
Long-Term Debt	41.13M	32M	35.95M	52.28M	56.44M	42.46M	30M	40M	69.83M	59.85M
Short-Term Debt	53.23M	32.81M	42.53M	53.05M	62.26M	63.3M	60.82M	133.22M	98.48M	135.01M
Other Liabilities	3.28M	8.84M	7.88M	8.36M	14.53M	14.33M	14.43M	-23.61M	46.03M	37.31M
Total Current Liabilities	605.1M	959.26M	973.35M	1B	1.02B	1.6B	1.82B	1.86B	1.9B	2.01B
Total Non-Current Liabilities	44.41M	40.84M	43.83M	60.64M	70.97M	56.79M	44.42M	16.39M	115.86M	97.17M
Total Liabilities	649.51M	1B	1.02B	1.06B	1.09B	1.66B	1.86B	1.88B	2.02B	2.1B
Total Equity+	101M	111.08M	115.74M	122.28M	137.43M	194.78M	205.26M	167.09M	181.07M	213.51M
Equity Growth %	0.02%	0.1%	0.04%	0.06%	0.12%	0.42%	0.05%	-0.19%	0.08%	0.18%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.06%	0.06%	0.07%	0.11%	0.11%	0.09%	0.12%	0.16%	0.1%	-0%
Book Value per Share	18.23	19.09	18.49	19.44	21.70	26.94	25.04	20.43	22.40	26.69
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	373K	416K	626K	630K	634K	824K	827K	829K	831K	949K
Additional Paid-in Capital	35.35M	47.68M	47.43M	48.32M	49.47M	95.39M	96.44M	96.9M	97.7M	98.51M
Retained Earnings	65.41M	67.22M	70.43M	78.43M	86.54M	93.8M	110.02M	130.02M	135.28M	152.96M
Accumulated OCI	488K	-4.12M	-2.67M	-5.02M	1.19M	5.12M	-256K	-57.35M	-47.35M	-33.12M
Treasury Stock	-626K	-125K	-77K	-81K	-400K	-342K	-1.77M	-3.31M	-5.4M	-5.8M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	10.5M	11.38M	16.05M	17.3M	18.44M	13.8M	29.2M	30.73M	29.82M	22.81M
Operating CF Growth %	-0%	0.08%	0.41%	0.08%	0.07%	-0.25%	1.12%	0.05%	-0.03%	-0.24%
Net Income	5.91M	6.71M	8.2M	13.65M	14.21M	15.08M	24.91M	29.23M	16.76M	-160K
Depreciation & Amortization	656K	848K	1.07M	1.02M	1.11M	1.44M	1.6M	1.57M	1.46M	1.38M
Deferred Taxes	-387K	746K	2.73M	24K	988K	850K	-383K	419K	583K	-125K
Other Non-Cash Items	4.23M	2.55M	3.52M	1.85M	949K	-2.01M	2.57M	-1.55M	3.54M	19.23M
Working Capital Changes	-33K	363K	292K	312K	683K	-2.09M	-55K	422K	6.65M	1.76M
Cash from Investing+	-46.24M	3.54M	-28.59M	-54.84M	-39.78M	-61.36M	-130.96M	-207.99M	-116.57M	-115.2M
Purchase of Investments	-50.56M	-100.98M	-19.95M	-15.46M	-21.54M	-82.35M	-268.24M	-130.83M	-12.67M	-208.05M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	11.11M	0	0	0	15.19M	0	0	0	0
Other Investing	-63.22M	-43.01M	-49.51M	-87.13M	-77.52M	-76.82M	58.95M	-120.91M	-139.54M	-118.05M
Cash from Financing+	33.38M	-7.75M	12.06M	39.19M	18.41M	143.84M	196.75M	2.44M	121M	98.62M
Dividends Paid	-4.53M	-4.71M	-5.39M	-5.51M	-6.04M	-7.26M	-8.54M	-9.16M	-9.42M	-9.72M
Share Repurchases	-127K	-447K	-1.59M	-194K	-428K	-108K	-1.44M	-2.52M	-3.1M	-703K
Stock Issued	146K	131K	127K	123K	127K	0	0	0	0	28.12M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	1000K	1000K	1000K	-1000K	-1000K	1000K	1000K	1000K
Other Financing	-8.45M	48.19M	5.38M	18.04M	11.51M	164.14M	221.68M	-28.28M	68.42M	64.37M
Net Change in Cash+	-2.37M	7.16M	-477K	1.65M	-2.93M	96.28M	94.99M	-174.81M	34.25M	6.22M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	12.38M	10.01M	17.17M	16.7M	18.35M	15.41M	111.69M	206.68M	31.87M	66.12M
Cash at End	10.01M	17.17M	16.7M	18.35M	15.41M	111.69M	206.68M	31.87M	66.12M	72.34M
Interest Paid	3.27M	3.54M	0	0	8.05M	8.81M	6.16M	5.82M	25.62M	48.28M
Income Taxes Paid	2.31M	1.53M	0	0	2.41M	2.79M	5.33M	6.89M	4.94M	2.62M
Free Cash Flow+	10.21M	10.87M	14.42M	16.43M	16.82M	13.05M	27.94M	28.58M	28.41M	19.68M
FCF Growth %	-0.01%	0.06%	0.33%	0.14%	0.02%	-0.22%	1.14%	0.02%	-0.01%	-0.31%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	5.91%	6.33%	7.23%	11.47%	10.95%	9.08%	12.46%	15.7%	9.63%	-0.08%
Return on Assets (ROA)	0.81%	0.72%	0.73%	1.18%	1.18%	0.98%	1.27%	1.42%	0.79%	-0.01%
Net Interest Margin	3.27%	2.57%	3.08%	3.11%	3.14%	2.73%	3.16%	3.34%	2.82%	2.68%
Efficiency Ratio	52.65%	61.79%	54.18%	52.41%	50.52%	52%	48.61%	47.95%	41.96%	47.94%
Equity / Assets	13.46%	10%	10.22%	10.32%	11.17%	10.52%	9.92%	8.16%	8.23%	9.21%
Book Value / Share	18.23	19.09	18.49	19.44	21.7	26.94	25.04	20.43	22.4	26.69
NII Growth	-0.16%	16.59%	22.1%	5.53%	4.8%	30.75%	29.39%	4.72%	-9.25%	0.2%
Dividend Payout	76.62%	70.24%	65.7%	40.36%	42.5%	48.16%	34.27%	31.33%	56.19%	-

Revenue by Segment

	2018	2019	2020	2021	2022	2023	2024
Debit Card	1.33M	1.42M	1.66M	2.23M	2.5M	2.3M	2.31M
Debit Card Growth	-	7.07%	16.29%	34.54%	12.03%	-7.81%	0.56%
Overdraft Fees	1.5M	1.38M	985K	1.03M	1.16M	1.34M	1.42M
Overdraft Fees Growth	-	-8.31%	-28.62%	4.47%	12.24%	16.36%	5.80%
Fiduciary Activities	589K	610K	682K	748K	845K	898K	943K
Fiduciary Activities Growth	-	3.57%	11.80%	9.68%	12.97%	6.27%	5.01%
Loan Related Service Fees	515K	614K	1.29M	1.24M	849K	584K	690K
Loan Related Service Fees Growth	-	19.22%	109.77%	-3.88%	-31.42%	-31.21%	18.15%
Financial Service Other	782K	500K	540K	674K	1.91M	667K	626K
Financial Service Other Growth	-	-36.06%	8.00%	24.81%	182.79%	-65.01%	-6.15%
Deposit Account	-	301K	377K	398K	419K	428K	453K
Deposit Account Growth	-	-	25.25%	5.57%	5.28%	2.15%	5.84%
Atm Fees	398K	384K	457K	443K	452K	446K	424K
Atm Fees Growth	-	-3.52%	19.01%	-3.06%	2.03%	-1.33%	-4.93%
Commissions On Mutual Funds And Annuities	185K	141K	122K	127K	119K	296K	407K
Commissions On Mutual Funds And Annuities Growth	-	-23.78%	-13.48%	4.10%	-6.30%	148.74%	37.50%
Safe Deposit Box Rental	96K	94K	102K	100K	93K	92K	88K
Safe Deposit Box Rental Growth	-	-2.08%	8.51%	-1.96%	-7.00%	-1.08%	-4.35%
Gains On Sales Of Other Real Estate Owned	-	-	-	-	427K	80K	32K
Gains On Sales Of Other Real Estate Owned Growth	-	-	-	-	-	-81.26%	-60.00%
Service Charges On Deposit Accounts	263K	-	-	-	-	-	-
Service Charges On Deposit Accounts Growth	-	-	-	-	-	-	-

Frequently Asked Questions

Growth & Financials

Norwood Financial Corp. (NWFL) saw revenue decline by 2.2% over the past year.

Yes, Norwood Financial Corp. (NWFL) is profitable, generating $7.7M in net income for fiscal year 2024 (-0.2% net margin).

Dividend & Returns

Yes, Norwood Financial Corp. (NWFL) pays a dividend with a yield of 4.30%. This makes it attractive for income-focused investors.

Norwood Financial Corp. (NWFL) has a return on equity (ROE) of -0.1%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Norwood Financial Corp. (NWFL) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.

Norwood Financial Corp. (NWFL) has an efficiency ratio of 47.9%. This is excellent, indicating strong cost control.