Norwood Financial Statements From 2010 to 2025

NWFL Stock  USD 24.98  0.09  0.36%   
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
8.7517
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 229.9 M this year. Enterprise Value is expected to rise to about 319.7 M this year

Norwood Financial Total Revenue

118.21 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 52.9 M or Selling General Administrative of 2.1 M, as well as many indicators such as Price To Sales Ratio of 1.85, Dividend Yield of 0.025 or PTB Ratio of 1.63. 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 Assets2.4 B2.3 B1.3 B
Slightly volatile
Short and Long Term Debt Total64.7 M113.1 M78.7 M
Slightly volatile
Total Current Liabilities86.8 M113.1 M137.3 M
Slightly volatile
Total Stockholder Equity224.2 M213.5 M135.5 M
Slightly volatile
Property Plant And Equipment Net10.5 M19.7 M12.8 M
Slightly volatile
Retained Earnings160.6 M153 M88.9 M
Slightly volatile
Cash27 M27.6 M38.1 M
Slightly volatile
Non Current Assets Total63.4 M66.8 M342.2 M
Slightly volatile
Other Assets116.9 M123 M825.5 M
Pretty Stable
Cash And Short Term Investments446.7 M425.4 M257.2 M
Slightly volatile
Net Receivables1.8 B1.7 B221.6 M
Slightly volatile
Common Stock Total EquityM953.4 K641.2 K
Slightly volatile
Common Stock Shares Outstanding6.5 M8.1 M6.4 M
Slightly volatile
Liabilities And Stockholders Equity2.4 B2.3 B1.3 B
Slightly volatile
Non Current Liabilities Total2.1 BB403.8 M
Slightly volatile
Other Stockholder Equity98.3 M93.7 M56.9 M
Slightly volatile
Total Liabilities2.2 B2.1 B1.2 B
Slightly volatile
Property Plant And Equipment Gross43.3 M41.3 M19.6 M
Slightly volatile
Total Current Assets2.2 B2.1 B705.6 M
Slightly volatile
Short Term Debt118.7 M113.1 M50.9 M
Slightly volatile
Common StockM955.6 K641.6 K
Slightly volatile
Accounts Payable13.2 M12.6 M3.5 M
Slightly volatile
Other Liabilities6.9 M12.3 M8.3 M
Slightly volatile
Long Term Debt35.2 M59.9 M37.2 M
Slightly volatile
Short Term Investments417.7 M397.8 M253.9 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 Will18.9 M33.7 M17.1 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 Investments685 M397.8 M616 M
Pretty Stable
Non Current Liabilities Other19.8 M18.8 M10.1 M
Slightly volatile
Intangible Assets144.4 K152 K427.3 K
Slightly volatile
Earning Assets263.5 M247.7 M205.2 M
Slightly volatile
Net Invested Capital291 M372 M224.8 M
Slightly volatile
Capital Stock868.1 K949 K714.5 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 Expense52.9 M50.4 M12.9 M
Slightly volatile
Selling General Administrative2.1 M2.2 M12.9 M
Slightly volatile
Total Revenue118.2 M112.6 M51.2 M
Slightly volatile
Gross Profit118.2 M112.6 M51.2 M
Slightly volatile
Other Operating Expenses2.9 M3.1 M21.2 M
Pretty Stable
Operating Income115 M109.5 M30.5 M
Slightly volatile
EBIT18.4 M24.3 M18.8 M
Slightly volatile
EBITDA19.3 M26 M19.7 M
Slightly volatile
Selling And Marketing Expenses976.5 K930 K392.8 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
Non Recurring1.4 M1.6 M1.8 M
Slightly volatile
Net Interest Income52.1 M62.2 M40.5 M
Slightly volatile
Interest Income65.6 M112.6 M50.1 M
Slightly volatile
Reconciled Depreciation1.1 M1.4 MM
Very volatile

Norwood Financial Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow12.4 M22.8 M15.8 M
Slightly volatile
Begin Period Cash Flow69.4 M66.1 M40.1 M
Slightly volatile
DepreciationM1.4 MM
Slightly volatile
Dividends Paid10.2 M9.7 M6.1 M
Slightly volatile
Capital Expenditures3.3 M3.1 M1.2 M
Slightly volatile
Total Cash From Operating Activities13.1 M22.8 M16.6 M
Slightly volatile
End Period Cash Flow76 M72.3 M43.9 M
Slightly volatile
Change To Netincome950.5 KM1.6 M
Pretty Stable

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.851.94474.3823
Slightly volatile
Dividend Yield0.0250.04440.0353
Pretty Stable
PTB Ratio1.631.02541.2851
Slightly volatile
Days Sales Outstanding5.2 KKK
Slightly volatile
Book Value Per Share27.8626.535920.0981
Slightly volatile
Free Cash Flow Yield0.120.10420.1097
Slightly volatile
Operating Cash Flow Per Share1.582.83462.4825
Slightly volatile
Stock Based Compensation To Revenue0.00550.00310.0068
Slightly volatile
Capex To Depreciation0.580.870.7855
Slightly volatile
PB Ratio1.631.02541.2851
Slightly volatile
EV To Sales2.572.70425.3701
Slightly volatile
Free Cash Flow Per Share1.492.83462.3615
Slightly volatile
ROIC0.02940.03090.0275
Pretty Stable
Sales General And Administrative To Revenue0.01830.01930.4046
Slightly volatile
Capex To Revenue0.02390.02510.0403
Slightly volatile
Cash Per Share55.5252.871940.5419
Slightly volatile
POCF Ratio8.089.59939.5856
Slightly volatile
Interest Coverage2.072.17263.2431
Very volatile
Capex To Operating Cash Flow0.06490.05440.0515
Slightly volatile
PFCF Ratio8.559.599310.0884
Slightly volatile
EV To Operating Cash Flow11.0613.348512.5009
Very volatile
EV To Free Cash Flow11.713.348513.1427
Very volatile
Intangibles To Total Assets0.01450.01270.0134
Pretty Stable
Current Ratio19.7618.817419.6315
Pretty Stable
Tangible Book Value Per Share24.0222.879617.6121
Slightly volatile
Receivables Turnover0.05650.05958.5686
Slightly volatile
Shareholders Equity Per Share27.8626.535920.0981
Slightly volatile
Debt To Equity0.790.52960.622
Pretty Stable
Capex Per Share0.0880.160.1309
Slightly volatile
Average Receivables1.2 M1.3 M1.5 M
Slightly volatile
Revenue Per Share14.6913.9927.3648
Slightly volatile
Interest Debt Per Share21.3320.315414.165
Slightly volatile
Debt To Assets0.08710.04880.0694
Pretty Stable
Enterprise Value Over EBITDA14.8415.9414.1589
Pretty Stable
Graham Number16.629.1926.9099
Slightly volatile
Short Term Coverage Ratios0.190.20170.5656
Slightly volatile
Operating Cycle5.2 KKK
Slightly volatile
Price Book Value Ratio1.631.02541.2851
Slightly volatile
Price To Operating Cash Flows Ratio8.089.59939.5856
Slightly volatile
Price To Free Cash Flows Ratio8.559.599310.0884
Slightly volatile
Operating Profit Margin1.010.97240.8366
Slightly volatile
Effective Tax Rate0.290.37980.2453
Very volatile
Company Equity Multiplier10.3810.85429.4015
Slightly volatile
Long Term Debt To Capitalization0.280.320.2117
Slightly volatile
Total Debt To Capitalization0.320.34620.3674
Very volatile
Return On Capital Employed0.03510.04970.0235
Pretty Stable
Debt Equity Ratio0.790.52960.622
Pretty Stable
Ebit Per Revenue1.010.97240.8366
Slightly volatile
Quick Ratio19.7618.817420.0364
Pretty Stable
Dividend Paid And Capex Coverage Ratio3.452.34662.7842
Slightly volatile
Net Income Per E B T0.590.62020.7472
Pretty Stable
Cash Ratio0.230.24380.9333
Pretty Stable
Cash Conversion Cycle5.2 KKK
Slightly volatile
Operating Cash Flow Sales Ratio0.190.20260.6287
Slightly volatile
Days Of Sales Outstanding5.2 KKK
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.750.860.9316
Slightly volatile
Cash Flow Coverage Ratios0.370.20170.3123
Slightly volatile
Price To Book Ratio1.631.02541.2851
Slightly volatile
Fixed Asset Turnover6.015.72723.7238
Slightly volatile
Capital Expenditure Coverage Ratio17.9319.0125.154
Slightly volatile
Price Cash Flow Ratio8.089.59939.5856
Slightly volatile
Enterprise Value Multiple14.8415.9414.1589
Pretty Stable
Debt Ratio0.08710.04880.0694
Pretty Stable
Cash Flow To Debt Ratio0.370.20170.3123
Slightly volatile
Price Sales Ratio1.851.94474.3823
Slightly volatile
Asset Turnover0.03170.04860.0358
Pretty Stable
Price Fair Value1.631.02541.2851
Slightly volatile

Norwood Financial Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap229.9 M218.9 M184.5 M
Slightly volatile
Enterprise Value319.7 M304.4 M235.2 M
Slightly volatile

Norwood Fundamental Market Drivers

Cash And Short Term Investments425.4 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 Revenue112.6 M118.2 M
Cost Of Revenue6.6 M6.3 M
Stock Based Compensation To Revenue 0.00  0.01 
Sales General And Administrative To Revenue 0.02  0.02 
Capex To Revenue 0.03  0.02 
Revenue Per Share 13.99  14.69 
Ebit Per Revenue 0.97  1.01 

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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 Premium Stories module to follow Macroaxis premium stories from verified contributors across different equity types, categories and coverage scope.
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.