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Financials · NWFL

Norwood Financial Corp. (NWFL) financials

For the twelve months ended Sep 30, 2026, Norwood Financial Corp. reported $111.02M of revenue and $32.26M of net income.

Revenue, TTM
$111.02M
Net income, TTM
$32.26M
Net income growth, YoY
+321.1%
Net margin
29.1%
Free cash flow, TTM
$39.82M
EPS, diluted, TTM
$3.11
EPS growth, YoY
+401.6%
Cash
$72.52M
P/E
12.06
P/S
3.50
Market cap
$389.0M
Annual revenue$87.94M
FY2016FY2025
Annual net income$27.75M
FY2016FY2025
Annual free cash flow$29.25M
FY2016FY2025

NWFL revenue and earnings growth

NWFL revenueQ3 2026$30.93M

Quarter YoY
+34.7%
QoQ
+5.3%
FY YoY
+72.3%
5Y CAGR
+8.6%
10Y CAGR
+11.6%

NWFL revenue was $30.93M in fiscal Q3 2026 (ended Sep 30, 2026), up 34.7% from a year earlier and up 5.3% from the prior quarter. For the full fiscal 2025 it was $87.94M, up 72.3% from fiscal 2024. Compound annual growth was +8.6% over 5 years and +11.6% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

NWFL net incomeQ3 2026$11.76M

Quarter YoY
+41.1%
QoQ
+26.1%
5Y CAGR
+13.0%
10Y CAGR
+16.7%

NWFL net income was $11.76M in fiscal Q3 2026 (ended Sep 30, 2026), up 41.1% from a year earlier and up 26.1% from the prior quarter. For the full fiscal 2025 it was $27.75M, compared with -$160.0K in fiscal 2024. Compound annual growth was +13.0% over 5 years and +16.7% over 10 years.

NWFL EPSQ3 2026$1.08

Quarter YoY
+21.3%
QoQ
+25.6%
5Y CAGR
+7.6%
10Y CAGR
+10.9%

NWFL diluted EPS was $1.08 in fiscal Q3 2026 (ended Sep 30, 2026), up 21.3% from a year earlier and up 25.6% from the prior quarter. For the full fiscal 2025 it was $3.01, compared with -$0.02 in fiscal 2024. Compound annual growth was +7.6% over 5 years and +10.9% over 10 years.

NWFL free cash flowQ3 2026$18.17M

Quarter YoY
+118.9%
QoQ
+116.1%
FY YoY
+48.6%
5Y CAGR
+17.5%
10Y CAGR
+11.1%

NWFL free cash flow was $18.17M in fiscal Q3 2026 (ended Sep 30, 2026), up 118.9% from a year earlier and up 116.1% from the prior quarter. For the full fiscal 2025 it was $29.25M, up 48.6% from fiscal 2024. Compound annual growth was +17.5% over 5 years and +11.1% over 10 years. It rose in 7 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$87.94M$51.04M$70.19M$78.33M$73.67M$58.26M$45.38M$43.90M$41.82M$33.77M
Interest expense--$33.47M$7.27M$5.76M$7.98M$8.68M$5.66M$4.08M$3.65M
Pre-tax income$35.02M-$258.0K$21.15M$36.38M$30.86M$18.37M$16.82M$16.20M$14.75M$8.60M
Income tax$7.26M-$98.0K$4.39M$7.15M$5.95M$3.29M$2.61M$2.55M$6.55M$1.88M
Net income$27.75M-$160.0K$16.76M$29.23M$24.91M$15.08M$14.21M$13.65M$8.20M$6.71M
EPS, basic$3.01-$0.02$2.08$3.59$3.05$2.09$2.27$2.19$1.32$1.16
EPS, diluted$3.01-$0.02$2.07$3.58$3.04$2.09$2.25$2.17$1.31$1.15
Diluted shares9.2M8.1M8.1M8.2M8.2M7.2M6.3M6.3M6.3M5.8M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$44.44M$72.34M$66.12M$31.87M$206.68M$111.69M$15.41M$18.35M$16.70M$17.17M
Goodwill$29.27M$29.27M$29.27M$29.27M$29.27M$29.29M$11.33M$11.33M$11.33M$11.33M
Total assets$2.42B$2.32B$2.20B$2.05B$2.07B$1.85B$1.23B$1.18B$1.13B$1.11B
Short-term debt$14.71M$113.07M$74.08M$93.22M$60.82M$63.30M$62.26M$53.05M$42.53M$32.81M
Total liabilities$2.18B$2.10B$2.02B$1.88B$1.86B$1.66B$1.09B$1.06B$1.02B$1.00B
Shareholders' equity$242.16M$213.51M$181.07M$167.09M$205.26M$194.78M$137.43M$122.28M$115.74M$111.08M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$33.97M$22.81M$29.82M$30.73M$29.20M$13.80M$18.44M$17.30M$16.05M$11.38M
Capital expenditures$4.72M$3.13M$1.41M$2.15M$1.26M$749.0K$1.62M$873.0K$1.63M$511.0K
Free cash flow$29.25M$19.68M$28.41M$28.58M$27.94M$13.05M$16.82M$16.43M$14.42M$10.87M
Investing cash flow-$128.95M-$115.20M-$116.57M-$207.99M-$130.96M-$61.36M-$39.78M-$54.84M-$28.59M$3.54M
Financing cash flow$67.08M$98.62M$121.00M$2.44M$196.75M$143.84M$18.41M$39.19M$12.06M-$7.75M
Dividends paid$11.49M$9.72M$9.42M$9.16M$8.54M$7.26M$6.04M$5.51M$5.39M$4.71M
Share repurchases$361.0K$703.0K$3.10M$2.52M$1.44M$108.0K$428.0K$194.0K$1.59M$447.0K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY72.3%-27.3%-10.4%6.3%26.5%28.4%3.4%5.0%23.8%15.6%
Net income growth, YoY---42.7%17.3%65.2%6.1%4.1%66.5%22.2%13.6%
EPS growth, YoY---42.2%17.8%45.5%-7.1%3.7%65.6%13.9%7.5%
Net margin31.6%-0.3%23.9%37.3%33.8%25.9%31.3%31.1%19.6%19.9%
Free cash flow margin33.3%38.6%40.5%36.5%37.9%22.4%37.1%37.4%34.5%32.2%
Return on equity11.5%-0.1%9.3%17.5%12.1%7.7%10.3%11.2%7.1%6.0%
Return on assets1.1%-0.0%0.8%1.4%1.2%0.8%1.2%1.2%0.7%0.6%

Source: XBRL data Norwood Financial Corp. files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures and share counts are restated for stock splits the filings show: 3-for-2, first reported Nov 9, 2017.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

NWFL peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
NWFL$111.02M-$32.26M29.1%$389.0M
JPM$203.15B+13.2%$65.98B32.5%$888.26B
BAC$120.16B+5.4%$32.24B26.8%$340.97B
WFC$87.23B+5.4%$22.97B26.3%$251.98B
C$85.22B+5.6%$14.31B16.8%$199.70B
UBS$49.57B+2.0%$7.80B15.7%$148.27B
COF$63.01B+31.2%$10.87B17.2%$121.43B
MFG¥8.79T+7.6%¥1.16T13.2%$116.96B
BNSC$37.74B+12.1%C$7.79B20.6%$112.48B

NWFL FAQ

8 questions
  • What is NWFL revenue?
    Norwood Financial Corp. (NWFL) reported $111.02M of revenue for the twelve months ended Sep 30, 2026. Revenue for fiscal 2025 was $87.94M.
  • Is NWFL profitable?
    Yes. Norwood Financial Corp. earned $32.26M in net income for the twelve months ended Sep 30, 2026, a net margin of 29.1%.
  • How much cash and debt does NWFL have?
    Norwood Financial Corp. reported $72.52M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is NWFL revenue growing?
    Norwood Financial Corp.'s revenue changed +72.3% in fiscal 2025, to $87.94M. Its compound annual growth rate was +8.6% over 5 years and +11.6% over 10 years.
  • What is NWFL free cash flow?
    Norwood Financial Corp. generated $39.82M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $42.16M less capital expenditures.
  • What is NWFL earnings per share?
    Diluted earnings per share were $3.11 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did NWFL last report financial results?
    The latest statements here come from Norwood Financial Corp.'s 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
  • Where does this NWFL financial data come from?
    Quantisnow builds these statements from the structured XBRL data Norwood Financial Corp. files with the SEC. It is provided for information only and is not investment advice.