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MARKETS / NASDAQ / NWFL
NASDAQ · STATE COMMERCIAL BANKS · MID CAP

Norwood Financial Corp. NWFL

17 fiscal years on record · USD · FY2025 reported · SEC filings only
$8.0M
▲ 8.1% YoY
$27.8M
$29.2M
▲ 48.6% YoY
Growth
USD 8.0M
Revenue, FY2025 · full 17-year series below
Revenue $M Net income $M
FY2025 · Revenue 8.0 · Net income 27.8
10M20M200920112013201520172019202120232025
Compound annual growth
−3.0%
+5.2%
−1.7%
+13.0%
+16.7%
+9.3%
−5.6%
+7.6%
+10.9%
+2.2%
+4.4%
+4.2%
+2.2%
+10.1%
+10.0%
+9.3%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +5.2% a year over five years — but profit grew faster: net income at +13.0%, earnings per share at +7.6%.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
347 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 437.8% · Net 347.0%
200%400%200920112013201520172019202120232025
ROE
FY2025 · ROE 12.2%
5%10%15%200920112013201520172019202120232025

Each USD of equity produced 12 cents of profit this year.

Cash & shareholders
USD 11.8M
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 29.2
10M20M200920112013201520172019202120232025
Net buybacks $M Dividends $M
FY2025 · Dividends 11.5 · Net buybacks 0.3
4M8M-10M-20MDividendsNet buybacks200920112013201520172019202120232025

USD 11.5M in dividends and USD 281,000.00 in buybacks — 42% of the year's profit went back to shareholders.

Total assetsUSD 2.4B
EquityUSD 242.2M
CashUSD 44.4M
Gross debtUSD 14.7M
Net debtUSD -29.7M
DepositsUSD 2.1B

The company holds more cash than debt.

The 17-year record
17 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative
Metric 20252024202320222021202020192018201720162015201420132012201120102009
Revenue $B0.00.00.00.00.00.00.00.0·········
Operating income $B0.0−0.00.00.00.00.0···········
EBITDA $B·················
Income tax $B0.0−0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Net income $B0.0−0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Free cash flow $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
EPS, diluted $3.01−0.022.073.583.042.092.252.171.311.151.072.102.332.332.172.642.55
Dividend / sh $1.251.211.171.171.061.010.970.900.870.830.831.201.161.101.061.131.09
Payout %41−6074563134484240667077574947484242
ROE %12.2−0.19.615.712.59.110.911.57.26.35.98.09.29.39.411.111.0

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 49 reconciliationsAUDITED

Reconciled in 17 of 19 fiscal years. 8 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivityState Commercial Banks
Listed onNASDAQ
Incorporated inPennsylvania
Fiscal year endsDecember 31
SEC categorysmaller reporting company
Data on record since2009

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