Norwood Financial Statements From 2010 to 2025

NWFL Stock  USD 26.62  0.56  2.15%   
Norwood Financial financial statements provide useful quarterly and yearly information to potential Norwood Financial Corp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Norwood Financial financial statements helps investors assess Norwood Financial's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Norwood Financial's valuation are summarized below:
Gross Profit
77.4 M
Profit Margin
0.2062
Market Capitalization
243.7 M
Enterprise Value Revenue
5.4229
Revenue
62.3 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 2025. Market Cap is expected to rise to about 250.6 M this year. Enterprise Value is expected to rise to about 296 M this year

Norwood Financial Total Revenue

78.06 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 889.2 K, Interest Expense of 40.4 M or Selling General Administrative of 29.6 M, as well as many indicators such as Price To Sales Ratio of 5.15, Dividend Yield of 0.0247 or PTB Ratio of 1.64. Norwood financial statements analysis is a perfect complement when working with Norwood Financial Valuation or Volatility modules.
  
Check out the analysis of Norwood Financial Correlation against competitors.

Norwood Financial Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets2.7 B2.5 B1.4 B
Slightly volatile
Short and Long Term Debt Total137.9 M131.4 M84.4 M
Slightly volatile
Total Current Liabilities1.9 B1.8 B356.4 M
Slightly volatile
Total Stockholder Equity218.6 M208.2 M134.8 M
Slightly volatile
Property Plant And Equipment Net26.3 M25 M14.1 M
Slightly volatile
Retained Earnings163.4 M155.6 M89.2 M
Slightly volatile
Cash79.8 M76 M44.4 M
Slightly volatile
Non Current Assets Total2.6 B2.4 B647.8 M
Slightly volatile
Other Assets6.1 M6.5 M811.3 M
Pretty Stable
Cash And Short Term Investments128.9 M76 M215.5 M
Slightly volatile
Net Receivables9.8 M9.3 M4.7 M
Slightly volatile
Common Stock Total EquityM953.4 K641.2 K
Slightly volatile
Common Stock Shares Outstanding6.4 M9.3 M6.5 M
Slightly volatile
Liabilities And Stockholders Equity2.7 B2.5 B1.4 B
Slightly volatile
Non Current Liabilities Total2.3 B2.2 B435.5 M
Slightly volatile
Other Stockholder Equity111.5 M106.1 M58.5 M
Slightly volatile
Total Liabilities2.4 B2.3 B1.2 B
Slightly volatile
Property Plant And Equipment Gross46.1 M43.9 M20 M
Slightly volatile
Total Current Assets72.2 M76 M442.3 M
Slightly volatile
Short Term Debt30.7 M51.1 M41.5 M
Slightly volatile
Common StockM955.6 K641.6 K
Slightly volatile
Accounts Payable12.7 M12.1 M3.5 M
Slightly volatile
Other Liabilities6.9 M12.3 M8.3 M
Slightly volatile
Long Term Debt84.3 M80.3 M41.5 M
Slightly volatile
Short Term Investments490.6 M467.2 M262.8 M
Slightly volatile
Property Plant Equipment10.9 M21 M13.9 M
Slightly volatile
Net Tangible Assets122.7 M158.1 M114.7 M
Slightly volatile
Good Will17.9 M33.7 M17 M
Slightly volatile
Retained Earnings Total Equity87.6 M149.5 M86.6 M
Slightly volatile
Capital Surpluse58.4 M111.4 M58 M
Slightly volatile
Other Current Assets63.6 M66.9 M294.6 M
Slightly volatile
Long Term Investments704.1 M467.2 M621.5 M
Pretty Stable
Non Current Liabilities Other19.8 M18.8 M10.1 M
Slightly volatile
Intangible Assets353.2 K198.9 K443.3 K
Slightly volatile
Earning Assets263.5 M247.7 M205.2 M
Slightly volatile
Net Invested Capital274.2 M374.1 M223.9 M
Slightly volatile
Capital Stock838.8 K955.6 K713.1 K
Slightly volatile

Norwood Financial Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization889.2 K1.7 M871.6 K
Slightly volatile
Interest Expense40.4 M38.5 M11.4 M
Slightly volatile
Selling General Administrative29.6 M28.2 M16.3 M
Slightly volatile
Total Revenue78.1 M74.3 M46.3 M
Slightly volatile
Gross Profit78.1 M74.3 M46.3 M
Slightly volatile
Other Operating Expenses84.8 M80.7 M31.2 M
Slightly volatile
Operating Income18.6 M24.3 M19.2 M
Slightly volatile
EBIT18.4 M24.3 M18.8 M
Slightly volatile
EBITDA19.3 M26 M19.7 M
Slightly volatile
Income Before Tax25.5 M24.3 M16.6 M
Slightly volatile
Net Income20.2 M19.3 M13 M
Slightly volatile
Income Tax Expense2.9 MM3.5 M
Slightly volatile
Selling And Marketing Expenses760.7 K724.5 K366.5 K
Slightly volatile
Cost Of Revenue6.3 M6.6 M7.1 M
Pretty Stable
Net Income Applicable To Common Shares35.3 M33.6 M15.7 M
Slightly volatile
Net Income From Continuing Ops14.7 M27.1 M13.9 M
Slightly volatile
Non Recurring1.4 M1.6 M1.8 M
Slightly volatile
Tax Provision4.6 M6.6 M3.5 M
Slightly volatile
Net Interest Income50.3 M73.6 M41.1 M
Slightly volatile
Interest Income59.1 M103.3 M49.1 M
Slightly volatile
Reconciled Depreciation725.9 K1.3 M995.4 K
Pretty Stable

Norwood Financial Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow34.3 M32.7 M17.8 M
Slightly volatile
Begin Period Cash Flow26.1 M36.6 M35.5 M
Slightly volatile
Depreciation996.2 K1.7 M1.1 M
Slightly volatile
Dividends Paid11.4 M10.8 M6.2 M
Slightly volatile
Capital Expenditures1.7 M1.6 M974.7 K
Slightly volatile
Total Cash From Operating Activities36 M34.3 M18.8 M
Slightly volatile
Net Income20.2 M19.3 M13 M
Slightly volatile
End Period Cash Flow79.8 M76 M44.4 M
Slightly volatile
Change To Netincome950.5 KM1.6 M
Pretty Stable
Issuance Of Capital Stock139.3 K149.5 K127.7 K
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio5.154.724.762
Slightly volatile
Dividend Yield0.02470.0320.0345
Slightly volatile
PTB Ratio1.641.681.3266
Slightly volatile
Days Sales Outstanding56.7937.0753.2495
Slightly volatile
Book Value Per Share11.1220.2318.6577
Slightly volatile
Free Cash Flow Yield0.120.10710.1107
Slightly volatile
Operating Cash Flow Per Share3.53.332.6335
Slightly volatile
Stock Based Compensation To Revenue0.01210.01160.0077
Slightly volatile
Capex To Depreciation0.580.870.7855
Slightly volatile
PB Ratio1.641.681.3266
Slightly volatile
EV To Sales6.415.575.7892
Slightly volatile
Free Cash Flow Per Share3.333.172.4974
Slightly volatile
ROIC0.02740.02890.0272
Pretty Stable
Net Income Per Share1.121.871.7599
Slightly volatile
Sales General And Administrative To Revenue0.440.37980.4573
Slightly volatile
Capex To Revenue0.02390.02510.0403
Slightly volatile
Cash Per Share55.452.7740.5281
Slightly volatile
POCF Ratio8.098.09.4863
Pretty Stable
Interest Coverage0.540.573.0473
Pretty Stable
Payout Ratio0.340.510.4929
Pretty Stable
Capex To Operating Cash Flow0.06490.05440.0515
Slightly volatile
PFCF Ratio8.588.410.0153
Pretty Stable
Income Quality1.822.051.6758
Slightly volatile
ROE0.110.09260.0946
Slightly volatile
EV To Operating Cash Flow11.089.4512.2585
Very volatile
PE Ratio16.5418.214.9491
Very volatile
Return On Tangible Assets0.01220.00890.0102
Very volatile
EV To Free Cash Flow11.749.9212.9309
Very volatile
Earnings Yield0.06060.05690.0721
Very volatile
Intangibles To Total Assets0.01450.01540.0136
Very volatile
Current Ratio0.0360.037817.225
Slightly volatile
Tangible Book Value Per Share10.2316.9316.3784
Slightly volatile
Receivables Turnover7.8610.1910.3931
Pretty Stable
Graham Number16.629.1926.9099
Slightly volatile
Shareholders Equity Per Share11.1220.2318.6577
Slightly volatile
Debt To Equity0.80.730.6352
Slightly volatile
Capex Per Share0.0880.160.1309
Slightly volatile
Average Receivables1.2 M1.3 M1.5 M
Slightly volatile
Revenue Per Share3.977.226.2715
Slightly volatile
Interest Debt Per Share9.2416.513.1709
Slightly volatile
Debt To Assets0.06420.04670.0678
Pretty Stable
Enterprise Value Over EBITDA14.8415.9414.1589
Pretty Stable
Short Term Coverage Ratios1.250.770.6674
Pretty Stable
Price Earnings Ratio16.5418.214.9491
Very volatile
Operating Cycle56.7937.0753.2495
Slightly volatile
Price Book Value Ratio1.641.681.3266
Slightly volatile
Dividend Payout Ratio0.340.510.4929
Pretty Stable
Price To Operating Cash Flows Ratio8.098.09.4863
Pretty Stable
Price To Free Cash Flows Ratio8.588.410.0153
Pretty Stable
Pretax Profit Margin0.460.380.4326
Slightly volatile
Ebt Per Ebit0.430.750.7115
Slightly volatile
Operating Profit Margin0.360.380.7589
Slightly volatile
Effective Tax Rate0.290.240.2366
Pretty Stable
Company Equity Multiplier10.3313.989.5937
Slightly volatile
Long Term Debt To Capitalization0.280.320.2117
Slightly volatile
Total Debt To Capitalization0.320.350.3677
Very volatile
Return On Capital Employed0.03440.03870.0228
Very volatile
Debt Equity Ratio0.80.730.6352
Slightly volatile
Ebit Per Revenue0.360.380.7589
Slightly volatile
Quick Ratio0.0360.037817.6299
Slightly volatile
Dividend Paid And Capex Coverage Ratio3.493.172.8382
Pretty Stable
Net Income Per E B T0.590.710.7528
Very volatile
Cash Ratio0.04590.04840.9096
Pretty Stable
Cash Conversion Cycle56.7937.0753.2495
Slightly volatile
Operating Cash Flow Sales Ratio0.670.530.6791
Slightly volatile
Days Of Sales Outstanding56.7937.0753.2495
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.750.860.9316
Slightly volatile
Cash Flow Coverage Ratios0.390.30.3197
Slightly volatile
Price To Book Ratio1.641.681.3266
Slightly volatile
Fixed Asset Turnover2.542.683.3164
Very volatile
Capital Expenditure Coverage Ratio17.9319.0125.154
Slightly volatile
Price Cash Flow Ratio8.098.09.4863
Pretty Stable
Enterprise Value Multiple14.8415.9414.1589
Pretty Stable
Debt Ratio0.06420.04670.0678
Pretty Stable
Cash Flow To Debt Ratio0.390.30.3197
Slightly volatile
Price Sales Ratio5.154.724.762
Slightly volatile
Return On Assets0.01210.00880.0101
Very volatile
Asset Turnover0.04320.03380.0356
Pretty Stable
Net Profit Margin0.340.30.3295
Slightly volatile
Price Fair Value1.641.681.3266
Slightly volatile
Return On Equity0.110.09260.0946
Slightly volatile

Norwood Financial Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap250.6 M238.6 M187.1 M
Slightly volatile
Enterprise Value296 M282 M232.3 M
Slightly volatile

Norwood Fundamental Market Drivers

Cash And Short Term Investments66.1 M

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 Revenue74.3 M78.1 M
Cost Of Revenue6.6 M6.3 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.38  0.44 
Capex To Revenue 0.03  0.02 
Revenue Per Share 7.22  3.97 
Ebit Per Revenue 0.38  0.36 

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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:
Check out the analysis of Norwood Financial Correlation against competitors.
You can also try the FinTech Suite module to use AI to screen and filter profitable investment opportunities.
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. If investors know Norwood will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Norwood Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.06)
Dividend Share
1.2
Earnings Share
1.59
Revenue Per Share
7.741
Quarterly Revenue Growth
0.025
The market value of Norwood Financial Corp is measured differently than its book value, which is the value of Norwood that is recorded on the company's balance sheet. Investors also form their own opinion of Norwood Financial's value that differs from its market value or its book value, called intrinsic value, which is Norwood Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Norwood Financial's market value can be influenced by many factors that don't directly affect Norwood Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Norwood Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Norwood Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Norwood Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.