Norwood Financial Corp
NWFL Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$34.77
KIRA · Stoqly’s AI analyst, in plain words
- Norwood Financial Corp had $8.0M of revenue in fiscal 2025, up 8.1% on the year before. Over five years, revenue changed +5.2% a year on average.
- Norwood Financial Corp made $27.8M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 11.3% a year.
- Norwood Financial Corp returned $11.9M to shareholders in fiscal 2025, 41% of free cash flow. The diluted share count rose 14.1%.
- It earned 12.2% on shareholders’ money. Running costs took 639.4% of revenue (the efficiency ratio; lower is better).
Market cap
$377M
P/E
11.9x
Revenue
$8.0M
Net income
$27.8M
Return on equity
12.2%
Efficiency ratio
639.4%
Norwood Financial Corp in 30 seconds · fiscal 2025
Are sales growing?
+8.1%
Yes. Sales grew 8.1% last year.
Does it make a profit?
347.0%
Yes. It keeps 347.0% of every sale as profit.
How lean are its costs?
639.4%
Costly. Running costs take 639.4% of revenue.
How much does it earn on its capital?
12.2%
Good. It earns 12.2% a year on shareholders’ money.
How is the share priced?
11.9x
One share costs 11.9 times its yearly profit per share.
What Norwood Financial Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Legal name
- NORWOOD FINANCIAL CORP
- CIK
- 0001013272
Norwood Financial Corp · NWFL
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $7.0M | $8.8M | $7.1M | $7.4M | $8.0M |
| Revenue growth | 13.1% | 24.8% | −18.5% | 3.7% | 8.1% |
| Net interest income | $65.3M | $68.4M | $62.1M | $62.2M | $78.3M |
| Net income | $24.9M | $29.2M | $16.8M | −$0.2M | $27.8M |
| Net margin | 354.9% | 333.7% | 234.9% | −2.2% | 347.0% |
| Diluted EPS | $3.04 | $3.58 | $2.07 | −$0.02 | $3.01 |
| Cash | |||||
| Cash from operations | $29.2M | $30.7M | $29.8M | $22.8M | $34.0M |
| Capital expenditure | $1.3M | $2.2M | $1.4M | $3.1M | $4.7M |
| Free cash flow | $27.9M | $28.6M | $28.4M | $19.7M | $29.2M |
| FCF margin | 397.9% | 326.2% | 398.2% | 266.0% | 365.6% |
| Dividends paid | $8.5M | $9.2M | $9.4M | $9.7M | $11.5M |
| Share buybacks | $1.4M | $2.5M | $3.1M | $0.7M | $0.4M |
| Share count change | 13.4% | −0.3% | −1.1% | 0.1% | 14.1% |
| Debt and strength | |||||
| Cash and short-term investments | $207M | $31.9M | $66.1M | $72.3M | $44.4M |
| Debt incl. finance leases | $60.8M | $93.2M | $74.1M | $113M | $14.7M |
| Loans, net | $1.3B | $1.5B | $1.6B | $1.7B | $1.8B |
| Deposits | $1.8B | $1.7B | $1.8B | $1.9B | $2.1B |
| Shareholders' equity | $205M | $167M | $181M | $214M | $242M |
| Returns and quality | |||||
| Return on equity | 12.5% | 15.7% | 9.6% | −0.1% | 12.2% |
| Return on tangible equity | 14.2% | 21.3% | 11.1% | −0.1% | 13.0% |
| Efficiency ratio | 550.0% | 468.5% | 609.5% | 657.2% | 639.4% |
| Piotroski F-score | 6 | 6 | 5 | 2 | 6 |
Insiders bought, 12 months
$0.5M
7 insiders
Insiders sold, 12 months
$0.1M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Norwood Financial Corp · NWFL
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $34.77 a share, the company is worth $377M: 11.9 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001013272). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.