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
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
FCF
Total debt
Cash
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
—
—
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
FCF
Total debt
Cash
Mar '26
$2M
$4M
0.0%
0.0%
$6M
—
$103M
Dec '25
$2M
$7M
0.0%
0.0%
$8M
—
$44M
Sep '25
$2M
$8M
0.0%
0.0%
$8M
—
$75M
Jun '25
$2M
$6M
0.0%
0.0%
$5M
—
$53M
Mar '25
$2M
$6M
0.0%
0.0%
$8M
—
$75M
Dec '24
$2M
-$13M
0.0%
0.0%
$3M
—
$72M
Sep '24
$2M
$4M
0.0%
0.0%
$4M
—
$83M
Jun '24
$2M
$4M
0.0%
0.0%
$9M
—
$69M
Mar '24
$2M
$4M
0.0%
0.0%
$4M
—
$112M
Dec '23
$2M
$354000
0.0%
0.0%
$6M
—
$66M
Sep '23
$2M
$4M
0.0%
0.0%
$7M
—
$54M
Jun '23
$2M
$7M
0.0%
0.0%
$6M
—
$33M
Mar '23
$2M
$6M
0.0%
0.0%
$10M
—
$29M
Dec '22
$2M
$7M
0.0%
0.0%
$5M
—
$32M
Sep '22
$2M
$8M
0.0%
0.0%
$8M
—
$41M
Jun '22
$2M
$7M
0.0%
0.0%
$6M
—
$110M
Mar '22
$3M
$7M
0.0%
0.0%
$9M
—
$166M
Dec '21
$2M
$7M
0.0%
0.0%
$6M
—
$207M
Sep '21
$2M
$7M
0.0%
0.0%
$8M
—
$220M
Jun '21
$2M
$6M
0.0%
0.0%
$7M
—
$205M
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.
The price-to-earnings ratio has risen from 10.9× (Mar '23) to 12.2× (Jun '26).
The price-to-sales ratio has risen from 36.5× (Mar '23) to 42.4× (Jun '26).
The dividend yield has risen from 2.9% (Mar '23) to 3.4% (Jun '26).
Price / earnings (P/E)
P/E
Price / sales (P/S)
P/S
Dividend yield (%)
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.