Norwood Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Norwood Financial Corp
NWFL Stock  USD 30.63  0.15  0.49%   
Norwood Financial's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Norwood Financial's valuation are provided below:
Gross Profit
86.2 M
Profit Margin
0.3221
Market Capitalization
284.7 M
Enterprise Value Revenue
4.175
Revenue
86.2 M
There are over one hundred nineteen available fundamental ratios for Norwood Financial, which can be analyzed over time and compared to other ratios. We recommend to check Norwood Financial's last-minute fundamental drivers against the all of the trends between 2010 and 2026. Market Cap is expected to rise to about 250.6 M this year, although Enterprise Value will most likely fall to about 102.1 M.

Norwood Financial Total Revenue

142.95 Million

Check Norwood Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Norwood Financial's main balance sheet or income statement drivers, such as Depreciation And Amortization of 1 M, Interest Expense of 50.6 M or Selling General Administrative of 32.3 M, as well as many indicators such as Price To Sales Ratio of 2.21, Dividend Yield of 0.0261 or PTB Ratio of 1.46. Norwood financial statements analysis is a perfect complement when working with Norwood Financial Valuation or Volatility modules.
  
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Check out the analysis of Norwood Financial Correlation against competitors.

Norwood Financial Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets2.5 B2.4 B1.4 B
Slightly volatile
Short and Long Term Debt Total74.8 M74.1 M93.7 M
Slightly volatile
Other Current Liabilities2.2 B2.1 B1.2 B
Slightly volatile
Total Current Liabilities14 M14.7 M957.6 M
Slightly volatile
Total Stockholder Equity254.3 M242.2 M143.5 M
Slightly volatile
Property Plant And Equipment Net24.1 M23 M14 M
Slightly volatile
Retained Earnings148.2 M141.1 M91.2 M
Slightly volatile
Cash28.9 M32.1 M40.5 M
Slightly volatile
Non Current Assets Total63.6 M67 M863.2 M
Slightly volatile
Non Currrent Assets Other94.5 M90 M49.6 M
Slightly volatile
Other Assets70.5 M74.2 M778.6 M
Slightly volatile
Cash And Short Term Investments462.9 M440.9 M304.3 M
Slightly volatile
Net Receivables1.9 B1.8 B226 M
Slightly volatile
Common Stock Total Equity1 M953.4 K652.3 K
Slightly volatile
Common Stock Shares Outstanding6.1 M9.2 M6.5 M
Slightly volatile
Liabilities And Stockholders Equity2.5 B2.4 B1.4 B
Slightly volatile
Non Current Liabilities Total453.3 M431.7 M92.3 M
Slightly volatile
Other Stockholder Equity127.5 M121.4 M62.3 M
Slightly volatile
Total Liabilities2.3 B2.2 B1.3 B
Slightly volatile
Property Plant And Equipment Gross49.8 M47.4 M21.6 M
Slightly volatile
Total Current Assets2.4 B2.3 B530.3 M
Slightly volatile
Short Term Debt14 M14.7 M53.7 M
Slightly volatile
Common Stock503.3 K952 K630.1 K
Slightly volatile
Accounts Payable15.2 M14.5 M4.3 M
Slightly volatile
Other Liabilities6.9 M12.3 M8.4 M
Slightly volatile
Long Term Debt35.2 M68.8 M39.1 M
Slightly volatile
Short Term Investments429.2 M408.8 M263.7 M
Slightly volatile
Property Plant Equipment10.9 M21 M14.2 M
Slightly volatile
Net Tangible Assets122.7 M158.1 M116 M
Slightly volatile
Good Will19.8 M33.7 M17.8 M
Slightly volatile
Retained Earnings Total Equity87.6 M149.5 M89.1 M
Slightly volatile
Capital Surpluse58.4 M111.4 M60.3 M
Slightly volatile
Other Current Assets63.6 M66.9 M281.6 M
Slightly volatile
Long Term Investments685 M457.5 M606.7 M
Very volatile
Non Current Liabilities Other19.8 M18.8 M10.5 M
Slightly volatile
Intangible Assets93.1 K98 K404.9 K
Slightly volatile
Earning Assets263.5 M247.7 M205.8 M
Slightly volatile
Net Invested Capital291 M427.8 M236.8 M
Slightly volatile
Capital Stock868.1 K1.1 M736.7 K
Slightly volatile

Norwood Financial Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization1 M1.1 M1 M
Slightly volatile
Interest Expense50.6 M48.2 M14.9 M
Slightly volatile
Selling General Administrative32.3 M30.8 M17.4 M
Slightly volatile
Total Revenue143 M136.1 M63.4 M
Slightly volatile
Gross Profit91 M86.6 M46 M
Slightly volatile
Other Operating Expenses105.7 M100.6 M46.4 M
Slightly volatile
EBITDA38.4 M36.6 M18 M
Slightly volatile
Cost Of Revenue52 M49.5 M17.3 M
Slightly volatile
Selling And Marketing Expenses1.1 M1.1 M441.2 K
Slightly volatile
Net Income Applicable To Common Shares35.3 M33.6 M16.5 M
Slightly volatile
Non Recurring1.4 M1.6 M1.8 M
Slightly volatile
Net Interest Income52.1 M71.5 M42.4 M
Slightly volatile
Interest Income65.6 M129.5 M54.7 M
Slightly volatile
Reconciled Depreciation1.1 M1.6 M1.1 M
Very volatile

Norwood Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow12.1 M22.6 M16 M
Slightly volatile
Begin Period Cash Flow79.8 M76 M42.8 M
Slightly volatile
Depreciation1 M1.6 M1.1 M
Slightly volatile
Dividends Paid11.7 M11.2 M6.5 M
Slightly volatile
Capital Expenditures3.8 M3.6 M1.3 M
Slightly volatile
Total Cash From Operating Activities27.5 M26.2 M18.1 M
Slightly volatile
End Period Cash Flow87.3 M83.2 M46.9 M
Slightly volatile
Change To Netincome950.5 K1 M1.6 M
Very volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.211.88793.066
Slightly volatile
Dividend Yield0.02610.04420.0359
Very volatile
PTB Ratio1.461.06141.2616
Pretty Stable
Days Sales Outstanding5.2 K4.9 K623
Slightly volatile
Book Value Per Share27.7526.427720.4731
Slightly volatile
Free Cash Flow Yield0.120.10.1083
Slightly volatile
Operating Cash Flow Per Share1.592.572.4896
Slightly volatile
Stock Based Compensation To Revenue0.00480.00640.0061
Slightly volatile
Capex To Depreciation2.152.041.034
Slightly volatile
PB Ratio1.461.06141.2616
Pretty Stable
EV To Sales3.042.19654.112
Slightly volatile
Free Cash Flow Per Share1.52.212.3315
Slightly volatile
Payables Turnover3.943.795.1458
Pretty Stable
Sales General And Administrative To Revenue0.210.22620.2961
Slightly volatile
Capex To Revenue0.02370.03550.0215
Very volatile
Cash Per Share50.5248.117442.7805
Slightly volatile
POCF Ratio7.88.599.505
Pretty Stable
Capex To Operating Cash Flow0.170.160.0689
Slightly volatile
PFCF Ratio8.379.9510.1531
Slightly volatile
Days Payables Outstanding87.8799.7977.02
Slightly volatile
EV To Operating Cash Flow11.0213.4213.0412
Pretty Stable
EV To Free Cash Flow11.7715.5613.9371
Pretty Stable
Intangibles To Total Assets0.01440.01210.0133
Pretty Stable
Current Ratio16315518.945
Slightly volatile
Tangible Book Value Per Share24.3823.223117.9721
Slightly volatile
Receivables Turnover0.07020.073910.9862
Slightly volatile
Graham Number40.138.229.736
Slightly volatile
Shareholders Equity Per Share27.7526.427720.4731
Slightly volatile
Debt To Equity0.290.30610.6607
Very volatile
Capex Per Share0.370.350.174
Slightly volatile
Average Receivables1.2 M1.3 M1.5 M
Slightly volatile
Revenue Per Share15.614.85798.7434
Slightly volatile
Interest Debt Per Share10.5813.351215.3979
Slightly volatile
Debt To Assets0.0290.03060.0717
Slightly volatile
Enterprise Value Over EBITDA7.778.179630.1992
Slightly volatile
Short Term Coverage Ratios0.180.190.4984
Slightly volatile
Operating Cycle5.2 K4.9 K623
Slightly volatile
Price Book Value Ratio1.461.06141.2616
Pretty Stable
Days Of Payables Outstanding87.8799.7977.02
Slightly volatile
Price To Operating Cash Flows Ratio7.88.599.505
Pretty Stable
Price To Free Cash Flows Ratio8.379.9510.1531
Slightly volatile
Ebt Per Ebit0.790.890.9696
Slightly volatile
Effective Tax Rate0.290.20750.2431
Very volatile
Company Equity Multiplier10.4110.01359.4393
Slightly volatile
Long Term Debt To Capitalization0.290.1970.2206
Pretty Stable
Total Debt To Capitalization0.340.23440.3898
Pretty Stable
Debt Equity Ratio0.290.30610.6607
Very volatile
Quick Ratio16315518.945
Slightly volatile
Dividend Paid And Capex Coverage Ratio3.342.042.7008
Slightly volatile
Net Income Per E B T0.590.79250.7499
Very volatile
Cash Ratio2.292.18280.2916
Slightly volatile
Operating Cash Flow Sales Ratio0.340.260.3521
Slightly volatile
Days Of Sales Outstanding5.2 K4.9 K623
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.740.780.9222
Slightly volatile
Cash Flow Coverage Ratios0.130.1170.2621
Slightly volatile
Price To Book Ratio1.461.06141.2616
Pretty Stable
Fixed Asset Turnover3.445.92674.2095
Slightly volatile
Capital Expenditure Coverage Ratio6.246.5622.6877
Slightly volatile
Price Cash Flow Ratio7.88.599.505
Pretty Stable
Enterprise Value Multiple7.778.179630.1992
Slightly volatile
Debt Ratio0.0290.03060.0717
Slightly volatile
Cash Flow To Debt Ratio0.130.1170.2621
Slightly volatile
Price Sales Ratio2.211.88793.066
Slightly volatile
Asset Turnover0.060.05610.0447
Pretty Stable
Gross Profit Margin0.540.63630.7277
Very volatile
Price Fair Value1.461.06141.2616
Pretty Stable

Norwood Financial Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap250.6 M238.6 M203.3 M
Slightly volatile
Enterprise Value102.1 M119.8 M129.8 M
Slightly volatile

Norwood Fundamental Market Drivers

Norwood Upcoming Events

26th of January 2024
Upcoming Quarterly Report
View
31st of December 2023
Next Fiscal Quarter End
View

About Norwood Financial Financial Statements

Norwood Financial investors utilize fundamental indicators, such as revenue or net income, to predict how Norwood Stock might perform in the future. Analyzing these trends over time helps investors make informed market timing decisions. For further insights, please visit our fundamental analysis page.
Last ReportedProjected for Next Year
Current Deferred Revenue-9.5 M-9.9 M
Total Revenue136.1 M143 M
Cost Of Revenue49.5 M52 M
Sales General And Administrative To Revenue 0.23  0.21 
Capex To Revenue 0.04  0.02 
Revenue Per Share 14.86  15.60 
Ebit Per Revenue 0.26  0.22 

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When determining whether Norwood Financial Corp is a strong investment it is important to analyze Norwood Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Norwood Financial's future performance. For an informed investment choice regarding Norwood Stock, refer to the following important reports:
How To Invest In Norwood
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Is Norwood Stock a good investment?
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What is Norwood Financial's Net Worth?
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Check out the analysis of Norwood Financial Correlation against competitors.
You can also try the Insider Screener module to find insiders across different sectors to evaluate their impact on performance.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Norwood Financial. Anticipated expansion of Norwood directly elevates investor willingness to pay premium valuations. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Norwood Financial assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth
0.863
Dividend Share
1.25
Earnings Share
2.99
Revenue Per Share
9.345
Quarterly Revenue Growth
0.39
Investors evaluate Norwood Financial Corp using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Norwood Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. External factors like market trends, sector rotation, and investor psychology can cause Norwood Financial's market price to deviate significantly from intrinsic value.
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It's important to distinguish between Norwood Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Norwood Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Norwood Financial's market price signifies the transaction level at which participants voluntarily complete trades.
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