Norwood Financial Corp.

Norwood Financial Corp.

NWFLยทNASDAQ

$30.54

-3.9%
Financial ServicesBanks - Regional

Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services. The company accepts a range of deposit products, including interest-bearing and non-interest bearing transaction accounts, and statement savings and money market accounts, as well as certificate of deposits. It also provides various loans, such as commercial loans comprising lines of credit, revolving credit, term loans, mortgages, secured lending products, and letter of credit facilities; municipal finance lending; construction loans for commercial construction projects and single-family residences; land loans; consumer loans; mortgage lending to finance principal residences and second home dwellings; and indirect dealer financing of new and used automobiles, boats, and recreational vehicles. In addition, the company offers investment securities services; trust and investment products; and cash management, direct deposit, remote deposit capture, mobile deposit capture, mobile payment, automated clearing house activity, real estate settlement, and Internet and mobile banking services. Further, it engages in the annuity and mutual fund sale, and discount brokerage activities, as well as insurance agency business. The company serves consumers, businesses, nonprofit organizations, and municipalities. It operates fourteen offices in Northeastern Pennsylvania; and sixteen offices in Delaware, Sullivan, Ontario, Otsego, and Yates Counties, New York, as well as thirty-one automated teller machines. Norwood Financial Corp. was founded in 1870 and is headquartered in Honesdale, Pennsylvania.

At a Glance

Live Snapshot
Market Cap$281.90M
EPS3.0300
P/E Ratio9.26
Earnings Date07/28/2026
3Y+18.0%
5Y+31.0%
10Y+118.0%
3Y+16.0%
5Y+32.0%
10Y+118.0%
3Y+45.0%
5Y+24.0%
10Y+118.0%
nwfl

Norwood Financial Corp. Funding & Solvency Profile

NWFL ยท NASDAQ
Cash & Cash Equivalents44.44M
Net Receivables9.25M
Inventory0.00
Other Current Assets0.00
Total Current Assets334 M
Property, Plant & Equipment22.97M
Goodwill & Intangible Assets29.36M
Long-Term Investments1.96B
Other Non-Current Assets61.84M
Total Non-Current Assets2 B
Total Assets
2.42B

Financial Health Analysis

Current Ratio

0.16x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

9.01x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1801794000

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

14% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Norwood Financial Corp. Balance Sheet

NWFL โ€ข NASDAQ

Norwood Financial Corp. Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
ASSETS
CURRENT ASSETS
44.4M
72.3M
66.1M
31.9M
206.7M
111.7M
15.4M
18.3M
16.7M
17.2M
10M
12.4M
7.9M
12.3M
21.4M
13.6M
14.4M
6.5M
9.1M
9.5M
280M
397.8M
406.3M
418.9M
406.8M
226.6M
210.2M
243.3M
281.1M
302.6M
138.9M
156.4M
158.1M
145.4M
150.2M
0.0
0.0
0.0
0.0
0.0
324.5M
470.2M
472.4M
450.8M
613.5M
338.3M
225.6M
261.6M
297.8M
319.7M
148.9M
168.8M
166M
157.7M
171.6M
13.6M
14.4M
6.5M
9.1M
9.5M
9.3M
8.5M
8.1M
6.9M
5.9M
6.2M
3.7M
3.8M
3.7M
3.6M
2.4M
2.3M
2.4M
2.4M
2.5M
2.2M
2.2M
2.2M
2.3M
2.1M
9.3M
8.5M
8.1M
6.9M
5.9M
6.2M
3.7M
3.8M
3.7M
3.6M
2.4M
2.3M
2.4M
2.4M
2.5M
2.2M
2.2M
2.2M
2.3M
2.1M
333.7M
478.7M
480.5M
457.7M
619.4M
344.5M
229.3M
265.4M
301.5M
323.4M
151.2M
171.1M
168.4M
160.1M
174.1M
15.8M
16.6M
8.7M
11.4M
11.6M
NON-CURRENT ASSETS
23M
19.7M
17.8M
17.9M
17.3M
17.8M
14.2M
13.8M
13.9M
13.5M
6.5M
6.7M
7.1M
7.3M
7.5M
4.9M
5.2M
5.5M
5.7M
6M
29.3M
29.3M
29.3M
29.3M
29.3M
29.3M
11.3M
11.3M
11.3M
11.3M
9.7M
9.7M
9.7M
9.7M
9.7M
0.0
0.0
0.0
0.0
0.0
98K
152K
221K
306K
407K
530K
235K
336K
462K
612K
285K
389K
510K
647K
800K
0.0
0.0
0.0
0.0
0.0
29.4M
29.4M
29.5M
29.6M
29.7M
29.8M
11.6M
11.7M
11.8M
11.9M
10M
10.1M
10.2M
10.4M
10.5M
0.0
0.0
0.0
0.0
0.0
2B
1.7B
1.6B
1.5B
1.3B
1.4B
916.1M
841.7M
756.5M
707.4M
552.6M
495.3M
497.6M
471.4M
452.6M
497.2M
489.3M
476M
451.9M
425.6M
14.7M
17.7M
21.4M
23.5M
8.8M
0.0
0.0
0.0
4.8M
9M
3.7M
3.3M
4.8M
2.2M
0.0
0.0
0.0
0.0
0.0
0.0
61.8M
78.2M
67.2M
61.4M
54.9M
62.1M
59.4M
51.9M
44.5M
45.9M
26.5M
25.1M
23.1M
21M
24.1M
19.1M
18.6M
14.1M
11.6M
11.1M
2.1B
1.8B
1.7B
1.6B
1.4B
1.5B
1B
919.2M
831.4M
787.8M
599.3M
540.5M
542.8M
512.2M
494.7M
521.2M
513.1M
495.6M
469.2M
442.7M
2.4B
2.3B
2.2B
2B
2.1B
1.9B
1.2B
1.2B
1.1B
1.1B
750.5M
711.6M
711.2M
672.3M
668.8M
537M
529.7M
504.3M
480.6M
454.4M
LIABILITIES
CURRENT LIABILITIES
12.1M
12.6M
10.5M
2.7M
1.2M
1.6M
2.4M
1.8M
1.4M
1.1M
957K
966K
1M
1.2M
1.3M
1.5M
2.1M
2.2M
3.2M
2.9M
12.1M
12.6M
10.5M
2.7M
1.2M
1.6M
2.4M
1.8M
1.4M
1.1M
957K
966K
1M
1.2M
1.3M
1.5M
2.1M
2.2M
3.2M
2.9M
44.7M
135M
98.5M
133.2M
60.8M
63.3M
62.3M
53M
42.5M
32.8M
53.2M
25.7M
49.9M
28.7M
43.6M
33.3M
25.8M
38.1M
26.7M
22.7M
2.1B
1.9B
1.8B
1.7B
1.8B
1.5B
957.5M
946.8M
929.4M
925.4M
550.9M
559.9M
541.2M
524.4M
525.8M
393.9M
391.5M
359.6M
370M
358.1M
2.1B
2B
1.9B
1.9B
1.8B
1.6B
1B
1B
973.3M
959.3M
605.1M
586.6M
592.1M
554.4M
570.7M
428.7M
419.3M
400M
399.9M
383.7M
NON-CURRENT LIABILITIES
29.4M
59.9M
69.8M
40M
30M
42.5M
56.4M
52.3M
35.9M
32M
41.1M
22.2M
23.8M
22.5M
27.7M
38M
43M
43M
23M
13M
17.8M
37.3M
46M
-23.6M
14.4M
14.3M
14.5M
8.4M
7.9M
8.8M
3.3M
3.8M
3.5M
3M
-17.6M
2.6M
2.9M
2.6M
1.9M
5.4M
47.2M
97.2M
115.9M
16.4M
44.4M
56.8M
71M
60.6M
43.8M
40.8M
44.4M
26M
27.3M
25.5M
10.1M
40.6M
45.9M
45.6M
24.9M
18.4M
0.0
0.0
0.0
0.0
0.0
0.0
4.8M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.2B
2.1B
2B
1.9B
1.9B
1.7B
1.1B
1.1B
1B
1B
649.5M
612.6M
619.4M
579.9M
580.8M
469.3M
465.2M
445.6M
424.8M
402.1M
SHAREHOLDERS' EQUITY
-6M
-5.8M
-5.4M
-3.3M
-1.8M
-342K
-400K
-81K
-77K
-125K
-626K
-1.1M
-1.7M
-2.2M
-2.6M
-2.2M
-2.1M
-3.2M
-2.7M
-1.3M
952K
949K
831K
829K
827K
824K
634K
630K
626K
416K
373K
372K
371K
337K
337K
284K
284K
284K
284K
284K
127.4M
98.5M
97.7M
96.9M
96.4M
95.4M
49.5M
48.3M
47.4M
47.7M
35.4M
35.2M
35M
24.7M
24.7M
9.8M
9.8M
10M
10.2M
10.1M
141.1M
153M
135.3M
130M
110M
93.8M
86.5M
78.4M
70.4M
67.2M
65.4M
64.1M
60.8M
66.7M
62.3M
58.6M
54.5M
50.4M
47M
43.1M
-21.3M
-33.1M
-47.3M
-57.4M
-256K
5.1M
1.2M
-5M
-2.7M
-4.1M
488K
462K
-2.6M
2.8M
3.3M
1.1M
2.1M
1.3M
1.1M
-44K
242.2M
213.5M
181.1M
167.1M
205.3M
194.8M
137.4M
122.3M
115.7M
111.1M
101M
99M
91.9M
92.4M
88.1M
67.7M
64.5M
58.7M
55.8M
52.2M
242.2M
213.5M
181.1M
167.1M
205.3M
194.8M
137.4M
122.3M
115.7M
111.1M
101M
99M
91.9M
92.4M
88.1M
67.7M
64.5M
58.7M
55.8M
52.2M
SUMMARY
2.4B
2.3B
2.2B
2B
2.1B
1.9B
1.2B
1.2B
1.1B
1.1B
750.5M
711.6M
711.2M
672.3M
668.8M
537M
529.7M
504.3M
480.6M
454.4M
2.2B
2.1B
2B
1.9B
1.7B
1.6B
1.1B
1.1B
1B
1B
691.5M
651.7M
655.7M
616.8M
602.8M
497.2M
489.3M
476M
451.9M
425.6M
74.1M
194.9M
168.3M
173.2M
90.8M
105.8M
118.7M
105.3M
78.5M
64.8M
94.4M
47.9M
73.7M
51.2M
71.3M
71.3M
68.8M
81.1M
49.7M
35.7M
29.7M
122.5M
102.2M
141.3M
-115.9M
-5.9M
103.3M
87M
61.8M
47.6M
84.4M
35.5M
65.8M
38.9M
49.8M
57.7M
54.4M
74.6M
40.6M
26.2M
9,261,575
9,261,575
9,261,575
9,261,575
9,261,575
9,261,575
9,261,575
9,261,575
9,261,575
9,261,575
9,261,575
9,261,575
9,261,575
9,261,575
9,261,575
9,261,575
9,261,575
9,261,575
9,261,575
9,261,575

SEC Filings

NWFL - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
10-Q

10-Q 2026 Q1

Q1

May 08, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 04, 2026
April 28, 2026
2026
8-K

8-K 2026

N/A

April 28, 2026
April 28, 2026
2026
8-K

8-K 2026

N/A

April 27, 2026
April 27, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 25, 2026
April 28, 2026
2026
10-K

10-K 2025 FY

FY

March 13, 2026
December 31, 2025
2025
8-K/A

8-K/A 2026 (Amended)

N/A

March 12, 2026
January 05, 2026
2026
8-K

8-K 2026

N/A

January 22, 2026
January 22, 2026
2026
8-K

8-K 2026

N/A

January 12, 2026
January 12, 2026
2026
8-K

8-K 2026

N/A

January 05, 2026
January 05, 2026
2026
Showing 1 to 10 of 451 filings