Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Norwood Financial Corp.'s quarterly P/E stands at 8.7x.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.12 | 8.66 | 7.06 | 9.48 | 9.59 | — | 14.36 | 12.20 | 12.37 | 205.69 | 12.63 | 9.11 | 10.36 |
| — | — | -50.8% | -22.3% | -22.5% | — | +13.8% | +33.9% | +19.4% | +2065.1% | +88.1% | +26.2% | +26.1% | |
| P/S Ratio | 2.08 | 1.81 | 1.68 | 1.77 | 1.71 | 4.73 | 1.80 | 1.71 | 1.89 | 2.59 | 1.93 | 2.38 | 2.54 |
| — | -61.8% | -6.9% | +3.1% | -9.9% | +82.5% | -6.5% | -28.2% | -25.3% | -14.8% | -21.9% | -1.0% | -10.4% | |
| P/B Ratio | 1.16 | 1.06 | 0.99 | 1.05 | 1.00 | 1.05 | 1.14 | 1.12 | 1.21 | 1.61 | 1.26 | 1.37 | 1.36 |
| — | +1.4% | -12.6% | -6.7% | -17.1% | -35.1% | -9.7% | -18.3% | -10.9% | -0.7% | -8.3% | +20.6% | +8.3% | |
| P/FCF | 9.79 | 12.28 | 4.87 | 11.63 | 6.78 | 16.74 | 13.63 | 5.97 | 14.83 | 12.59 | 7.77 | 10.03 | 5.98 |
| — | -26.6% | -64.3% | +94.9% | -54.3% | +32.9% | +75.4% | -40.5% | +147.8% | +2.0% | +16.6% | +14.3% | -5.2% | |
| EV / EBITDA | 8.56 | 7.28 | 5.28 | 9.01 | 8.69 | — | 13.30 | 12.56 | 13.36 | 122.75 | 17.77 | 12.12 | 11.75 |
| — | — | -60.3% | -28.3% | -35.0% | — | -25.2% | +3.7% | +13.7% | +966.9% | +203.1% | +167.4% | +177.7% | |
| EV / EBIT | 8.81 | 7.29 | 5.47 | 9.42 | 9.08 | — | 14.26 | 13.37 | 14.20 | 218.07 | 19.00 | 12.67 | 12.36 |
| — | — | -61.7% | -29.6% | -36.1% | — | -24.9% | +5.5% | +14.9% | +1714.2% | +212.2% | +167.1% | +179.8% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Norwood Financial Corp.'s operating margin was 27.7% in Q4 2025, down 2.7 pp QoQ and up 163.4 pp YoY. The trailing four-quarter average of 26.0% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 395.7% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 63.6% | 66.0% | 67.6% | 60.9% | 59.7% | -22.3% | 54.8% | 56.2% | 59.9% | 40.1% | 61.4% | 76.6% | 74.9% |
| — | +395.7% | +23.3% | +8.3% | -0.4% | -155.7% | -10.7% | -26.7% | -20.1% | -52.6% | -33.6% | -17.3% | -19.0% | |
| Operating Margin | 26.1% | 27.7% | 30.4% | 23.4% | 22.5% | -135.8% | 15.8% | 17.9% | 19.4% | 1.6% | 19.3% | 32.9% | 30.8% |
| — | +120.4% | +92.6% | +31.0% | +16.0% | -8573.4% | -18.6% | -45.7% | -37.0% | -95.8% | -58.3% | -21.3% | -29.1% | |
| Net Margin | 20.4% | 20.9% | 24.0% | 18.5% | 17.8% | -107.0% | 12.5% | 14.1% | 15.3% | 1.3% | 15.4% | 26.0% | 24.5% |
| — | +119.6% | +92.3% | +31.5% | +16.2% | -8624.0% | -18.7% | -45.8% | -37.4% | -96.1% | -58.3% | -22.0% | -29.0% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.2% | 3.1% | 3.6% | 2.8% | 2.7% | -6.2% | 2.0% | 2.3% | 2.4% | 0.2% | 2.4% | 3.7% | 3.4% |
| — | +150.5% | +78.0% | +20.0% | +8.7% | -3119.5% | -16.5% | -37.6% | -27.3% | -95.3% | -50.0% | -2.2% | -7.4% | |
| ROA | 1.2% | 0.3% | 0.3% | 0.3% | 0.2% | -0.6% | 0.2% | 0.2% | 0.2% | 0.0% | 0.2% | 0.3% | 0.3% |
| — | +155.9% | +104.9% | +39.6% | +23.8% | -3497.5% | -10.7% | -38.8% | -28.7% | -95.4% | -52.0% | -7.4% | -19.0% | |
| ROIC | 7.3% | 2.4% | 2.5% | 1.7% | 1.5% | -3.2% | 1.1% | 1.1% | 1.1% | 0.1% | 1.0% | 1.7% | 1.6% |
| — | +172.9% | +124.3% | +57.2% | +28.9% | -3717.5% | +11.2% | -36.5% | -30.8% | -96.0% | -69.2% | -29.2% | -30.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Norwood Financial Corp.'s Debt/EBITDA ratio is 7.5x, up from 6.6x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 34.5% YoY to 0.16x, tightening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.31 | 0.31 | 0.31 | 0.50 | 0.54 | 0.91 | 0.70 | 0.83 | 1.17 | 0.93 | 1.47 | 1.22 | 0.84 |
| — | -66.5% | -56.3% | -39.9% | -53.9% | -1.8% | -52.1% | -32.5% | +38.3% | -10.3% | +224.4% | +183.9% | +74.1% | |
| Debt / EBITDA | 2.03 | 7.53 | 6.61 | 13.66 | 15.57 | — | 26.42 | 26.46 | 35.43 | 209.60 | 43.53 | 24.62 | 19.45 |
| — | — | -75.0% | -48.4% | -56.1% | — | -39.3% | +7.5% | +82.1% | +985.1% | +542.8% | +196.4% | +101.7% | |
| Current Ratio | 0.16 | 0.16 | 0.11 | 0.18 | 0.19 | 0.24 | 0.25 | 0.25 | 0.27 | 0.25 | 0.24 | 0.24 | 0.24 |
| — | -34.5% | -57.8% | -29.9% | -29.2% | -5.5% | +6.8% | +5.0% | +11.7% | +2.7% | -7.6% | -19.4% | -26.1% | |
| Quick Ratio | 0.16 | 0.16 | 0.11 | 0.18 | 0.19 | 0.24 | 0.25 | 0.25 | 0.27 | 0.25 | 0.24 | 0.24 | 0.24 |
| — | -34.5% | -57.8% | -29.9% | -29.2% | -5.5% | +6.8% | +5.0% | +11.7% | +2.7% | -7.6% | -19.4% | -26.1% | |
| Interest Coverage | 0.74 | 0.81 | 0.90 | 0.65 | 0.60 | -1.25 | 0.39 | 0.42 | 0.46 | 0.04 | 0.55 | 1.08 | 1.29 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Norwood Financial Corp.'s current P/E is 10.1x. The average P/E over the last 4 quarters is 8.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Norwood Financial Corp.'s current operating margin is 26.1%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Norwood Financial Corp.'s business trajectory between earnings reports.