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+11.0%
5Y+146.0%
10Y+199.0%
3Y-38.0%
5Y+110.0%
10Y-3740.0%
3Y+2644.0%
5Y-53.0%
10Y-965.0%
NWFL

Norwood Financial Corp. Cash Conversion Engine

NWFL ยท NASDAQ
Net Income27.75M
Depreciation & Amortization0.00
Stock-Based Compensation0.00
Change in Working Capital-1.26M
Others7.47M
Capital Expenditures-4.72M
Free Cash Flow28.92M

Cash Flow Quality Analysis

FCF Conversion Rate

104.2%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

13.9%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+47.0%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$1.26M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

Norwood Financial Corp. Cash Flow Statement

NWFL โ€ข NASDAQ

Norwood Financial Corp. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
27.8M
-160K
16.8M
29.2M
24.9M
15.1M
14.2M
13.7M
8.2M
6.7M
5.9M
7.7M
8.5M
8.4M
7.4M
7.3M
7.1M
6.7M
6.5M
5.9M
0.0
1.4M
1.5M
1.6M
1.6M
1.4M
1.1M
1M
1.1M
848K
656K
693K
731K
723K
639K
511K
598K
629K
731K
856K
0.0
-125K
583K
419K
-383K
850K
988K
24K
2.7M
746K
-387K
-51K
140K
424K
-104K
-205K
-749K
36K
-151K
-108K
0.0
721K
830K
641K
549K
536K
497K
442K
235K
160K
121K
154K
162K
130K
170K
163K
134K
154K
0.0
0.0
7.5M
19.2M
3.5M
-1.6M
2.6M
-2M
949K
1.8M
3.5M
2.5M
4.2M
2.1M
2.3M
1.7M
1.1M
653K
421K
552K
237K
433K
(3M)
(2.6M)
(4.9M)
(6.9M)
(5.3M)
(2.8M)
(2.4M)
(0.0)
(0.0)
(1.5M)
(2.3M)
(2.6M)
(2.4M)
(2M)
(2.4M)
(2.7M)
(0.0)
(0.0)
(0.0)
(0.0)
-1.3M
1.8M
6.7M
422K
-55K
-2.1M
683K
312K
292K
363K
-33K
26K
932K
-16K
1.6M
146K
-1.5M
-897K
-3.6M
5.7M
34M
22.8M
29.8M
30.7M
29.2M
13.8M
18.4M
17.3M
16.1M
11.4M
10.5M
10.5M
12.7M
11.4M
10.8M
8.6M
6M
7.2M
3.7M
12.8M
INVESTING ACTIVITIES
(0.0)
-3.1M
-1.4M
-2.2M
-1.3M
-749K
-1.6M
-873K
-1.6M
-511K
-290K
-193K
-393K
-417K
-175K
-179K
-248K
-325K
-287K
-1.1M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(15.2M)
(0.0)
(0.0)
(0.0)
(11.1M)
(0.0)
(0.0)
(0.0)
(0.0)
(4.5M)
(0.0)
(1.3M)
(0.0)
(0.0)
(0.0)
(0.0)
-208.1M
-12.7M
-130.8M
-268.2M
-82.4M
-21.5M
-15.5M
-20M
-101M
-50.6M
-74.4M
-84.6M
-67.3M
-54.1M
-106.7M
-58.4M
-46.7M
-62.4M
-32.4M
0.0
214M
37.1M
45.9M
79.6M
83.4M
60.9M
48.6M
42.5M
136.9M
67.8M
81.3M
63.5M
71.5M
66.9M
90.6M
59.5M
39.4M
52.7M
36.6M
-129M
-118.1M
-139.5M
-120.9M
59M
-76.8M
-77.5M
-87.1M
-49.5M
-43M
-63.2M
-2M
-31.2M
-21M
13.9M
5.4M
-14.8M
-19.5M
-15.8M
-24.9M
-129M
-115.2M
-116.6M
-208M
-131M
-61.4M
-39.8M
-54.8M
-28.6M
(3.5M)
-46.2M
(4.7M)
-52.7M
-17.2M
(31.1M)
-10.9M
-12.6M
-27.2M
-25.8M
-21.8M
FINANCING ACTIVITIES
-183K
27.4M
-3.1M
-2.5M
-1.4M
-108K
-428K
-194K
-1.6M
-447K
-127K
-179K
-319K
-320K
-602K
-529K
98K
-1.4M
-1.8M
-710K
-140.7M
16.6M
65.1M
42.4M
-14.9M
-12.9M
13.4M
26.9M
13.7M
-50.8M
46.5M
-25.8M
22.5M
1.7M
-29.6M
2.5M
-12.3M
31.4M
14M
-5.8M
-11.5M
-9.7M
-9.4M
-9.2M
-8.5M
-7.3M
-6M
-5.5M
-5.4M
-4.7M
-4.5M
-4.4M
-4.2M
-3.9M
-3.5M
-3.1M
-3M
-2.7M
-2.6M
-2.3M
-361K
-703K
-3.1M
-2.5M
-1.4M
-108K
-428K
-194K
-1.6M
-447K
-127K
-179K
-319K
-320K
-602K
-529K
-68K
-1.6M
(0.0)
-890K
219.5M
64.4M
68.4M
-28.3M
221.7M
164.1M
11.5M
18M
5.4M
48.2M
-8.4M
19.6M
17.5M
-708K
-3.3M
2.7M
32.7M
-9.8M
12.1M
17.5M
67.1M
98.6M
121M
2.4M
196.8M
143.8M
18.4M
39.2M
12.1M
-7.8M
33.4M
-10.7M
35.5M
-3.2M
-37.1M
1.6M
17.5M
17.5M
21.6M
8.7M
CASH FLOW SUMMARY
-27.9M
6.2M
34.3M
-174.8M
95M
96.3M
-2.9M
1.7M
-477K
7.2M
-2.4M
4.5M
-4.4M
-9.1M
4.8M
-730K
10.9M
-2.6M
-453K
-299K
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
16.6M
17.4M
6.5M
9.1M
9.5M
9.8M
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
16.6M
17.4M
6.5M
9.1M
9.5M
28.9M
19.7M
28.4M
28.6M
27.9M
13M
16.8M
16.4M
14.4M
10.8M
10.2M
10.3M
12.3M
10.9M
10.6M
8.4M
5.8M
6.8M
3.4M
11.7M

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