MARKETS / NASDAQ / Financials / Banks / NWFL

NASDAQ · STATE COMMERCIAL BANKS · MID CAP

Norwood Financial Corp. NWFL

17 fiscal years on record · USD · FY2025 reported · SEC filings only

Net income

$27.8M

Free cash flow

$29.2M

▲ 48.6% YoY

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

Growth

Revenue, FY2025 · full 17-year series below

Compound annual growth

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%

3 yrs

5 yrs

10 yrs

15 yrs

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

ROE

FY2025 · ROE 12.2%

5%10%15%

200920172025

Three returns, three denominators.

Return on equity12.2%

Return on assets1.2%

Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Gross margin·

Operating margin·

Net margin·

EBITDA·

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

15M30M

200920172025

Net buybacks $M Dividends $M

FY2025 · Dividends 11.5 · Net buybacks 0.3

5M10M-10M-20MDividendsNet buybacks

200920112013201520172019202120232025

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.

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—not applicable◌not available in our data

NWFL, 17-year financial record
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue $B	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
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
Free cash flow $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

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

Other companies filing in the same sector

UNH · BRK-A · BRK-B · CI · ELV · CNC

Provenance

Company facts, as filed

How we verify · 0 failures in 49 reconciliationsAUDITED

Reconciled in 17 of the 17 fiscal years we could check. Three checks were skipped: the share count is not tagged before 2010. Three checks were skipped: the balance sheet is not tagged before 2010.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures

ActivityState Commercial Banks

Listed onNASDAQ

Incorporated inPennsylvania

Fiscal year endsDecember 31

SEC categorysmaller reporting company

Data on record since2009