NWFLNasdaqState Commercial BanksFiscal year ends December 31
NORWOOD FINANCIAL CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$33.53−0.07 (-0.21%)
Close on Oct 19, 2026
- Market cap
- $363.77M
- P/E (TTM)
- 11.6
- Dividend yield
- 3.73%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
347.0%+104.1 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +8.1% | -3.0% | +5.2% | -12.2% | |
| Net income | – | -1.7% | +13.0% | +16.7% | |
| EPS, diluted | – | -5.6% | +7.6% | +10.9% | |
| Free cash flow | +48.6% | +0.8% | +17.5% | +11.1% | |
| Dividend per share | +3.3% | +2.2% | +4.4% | +4.2% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 6.3% | 9.1% | 12.2% | |
| Return on assets | 0.7% | 1.0% | 1.2% | |
| Capex to revenue | 1.5% | 12.1% | 59.0% | |
| Diluted shares | 6M | 7M | 9M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Norwood Financial generated $146.53M from operations and spent $69.11M on capital expenditure, dividends and share buybacks. 18% of that went back into the business.
Generated
$146.53M
Used
$69.11M
Capital expenditure$12.67M18%Dividends$48.32M70%Share buybacks$8.12M12%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin347.0%
×Asset turnover0.00×
×Equity multiplier10.41×
=Return on equity, FY202512.2%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 347.0% | 0.00× | 10.41× | 12.2% |
| FY2024 | -2.2% | 0.00× | 11.45× | -0.1% |
| FY2023 | 234.9% | 0.00× | 12.20× | 9.6% |
| FY2022 | 333.7% | 0.00× | 11.05× | 15.7% |
| FY2021 | 354.9% | 0.00× | 9.80× | 12.5% |
| FY2020 | 242.9% | 0.00× | 9.28× | 9.1% |
| FY2019 | 260.9% | 0.00× | 9.30× | 10.9% |
| FY2018 | 241.1% | 0.00× | 9.74× | 11.5% |
| FY2017 | 19.6% | 0.04× | 9.89× | 7.2% |
| FY2016 | 19.9% | 0.04× | 8.78× | 6.3% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$27.76M
- Cash generatingOperating cash flow above zero$33.97M
- Return on assets improvedROA up on the prior year-0.0% → 1.2%
- Earnings backed by cashOperating cash flow above net income$33.97M vs $27.76M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise8M → 9M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.00 → 0.00