NASDAQ · STATE COMMERCIAL BANKS · MID CAP
Norwood Financial Corp. NWFL
17 fiscal years on record · USD · FY2025 reported
SEC FILINGS ONLY
Revenue · FY2025
$8.0M
▲ 8.1% vs FY2024
Dividend streak
2 yrs
Raised every year since 2024
EPS · FY25
$3.01
Dividend / sh · FY25
$1.25
Payout · FY25
41%
ROE · FY25
12.2%
Net margin · FY25
347.0%
Dividend coverage
2.4×
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Result
USD 8.0M
Revenue, FY2025 · full 17-year series below
Revenue
Net income
347 cents of every revenue dollar became profit this year.
Per share
USD 3.01
Diluted EPS, FY2025
EPS
Dividend
Earnings covered the dividend 2.4 times — the rest stayed in the company.
Profitability
12.2%
Return on equity, FY2025
ROE
Operating margin437.8%
Net margin347.0%
Return on assets1.2%
Each USD of equity produced 12 cents of profit this year.
Returned to shareholders
USD 11.8M
returned in FY2025 · dividends + net buybacks
Dividends paidUSD 11.5M
Net buybacksUSD 281,000.00
Share of profit42.4%
Consecutive raises2 years
USD 11.5M in dividends and USD 281,000.00 in buybacks — 42% of the year's profit went back to shareholders.
Growth
+5.2% a year
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
−3.0%
+5.2%
Net income
−1.7%
+13.0%
+16.7%
+9.3%
EPS, diluted
−5.6%
+7.6%
+10.9%
Dividend / share
+2.2%
+4.4%
+4.2%
Returned to shareholders
+2.2%
+10.1%
+10.0%
+9.3%
Compound annual rates per period — left blank where the series crosses a loss.
Share base
—
Shares outstanding, FY2025
Change, 5 years—
Change, 10 years—
A share split breaks the comparison across the period, so we leave it out.
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Balance sheet
USD 2.4B
total assets, end of FY2025
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.
History
17 fiscal years
Every figure from documents filed with the SEC · USD
Metric
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
Revenue $B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
·
·
·
·
·
·
·
·
·
Operating income $B
0.0
−0.0
0.0
0.0
0.0
0.0
·
·
·
·
·
·
·
·
·
·
·
EBITDA $B
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
Income tax $B
0.0
−0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Net income $B
0.0
−0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
EPS, diluted $
3.01
−0.02
2.07
3.58
3.04
2.09
2.25
2.17
1.31
1.15
1.07
2.10
2.33
2.33
2.17
2.64
2.55
Dividend / sh $
1.25
1.21
1.17
1.17
1.06
1.01
0.97
0.90
0.87
0.83
0.83
1.20
1.16
1.10
1.06
1.13
1.09
Payout %
41
−6074
56
31
34
48
42
40
66
70
77
57
49
47
48
42
42
ROE %
12.2
−0.1
9.6
15.7
12.5
9.1
10.9
11.5
7.2
6.3
5.9
8.0
9.2
9.3
9.4
11.1
11.0
Shares out B
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
Slide the table for earlier years · "·" marks figures not disclosed in the filing for that year.
How we verifyAUDITED
32 of 32
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity
Every figure was compared against the original statement: 0 failures and 0 presentation gaps.
What we don’t show
We’d rather say what’s missing than fill the gap with an estimate.
P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed