tradmap

NWFL Financials NORWOOD FINANCIAL CORP

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has grown 5.2% per year over the past 5 years.
  • Net income has grown faster than revenue (13.0% vs 5.2% per year).
  • Free cash flow has grown 17.5% per year over the past 5 years.

Shareholder returns

  • Dividends have been paid for 15 consecutive years, consuming 41.4% of earnings and 39.3% of free cash flow.
  • The dividend has grown 9.6% per year over the past 5 years.
Revenue & net income
-$160000 $15M $29M $0 2011 2013 2015 2017 2019 2021 2023 2025
RevenueNet income
Margins (gross / operating / net)
-2% 176% 355% 0% 2011 2013 2015 2017 2019 2021 2023 2025
GrossOperatingNet
Free cash flow (CFO − capex)
$0 $15M $29M 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $103M $207M 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$208M -$6M $197M $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2025 $8M $28M 0.0% 0.0% $29M $44M
2024 $7M -$160000 0.0% 0.0% $20M $72M
2023 $7M $17M 0.0% 0.0% $28M $66M
2022 $9M $29M 0.0% 0.0% $29M $32M
2021 $7M $25M 0.0% 0.0% $28M $207M
2020 $6M $15M 0.0% 0.0% $13M $112M
2019 $5M $14M 0.0% 0.0% $17M $15M
2018 $6M $14M 0.0% 0.0% $16M $18M
2017 $8M $14M $17M
2016 $7M
2015 $6M
2014 $8M $10M
2013 $8M $12M
2012 $8M $11M
2011 $7M $11M

Valuation over time

How the market has priced NWFL against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 10.0 19.9 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/E
Price / sales (P/S)
0.0 23.4 46.8 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/S
Dividend yield (%)
0.0 1.9 3.8 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
Dividend yield %

Frequently asked questions

Is NWFL growing its revenue and profit?

Over the past 5 years, NORWOOD FINANCIAL CORP's revenue has grown 5.2% per year, and net income grown 13.0% per year. These are computed facts, not advice.

How much debt does NWFL have?

As of FY2025, NORWOOD FINANCIAL CORP reported — of total debt against $44M of cash.

What is NWFL's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin 347.0%.

What is NWFL's P/E ratio?

As of Jun '26, NORWOOD FINANCIAL CORP traded at a price-to-earnings ratio of about 12.2× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.