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NORWOOD FINANCIAL CORP

NWFL

$35.88 ▼ -0.68 (-1.86%) at close

18 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

NORWOOD FINANCIAL CORP shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $331.2M

Dividend Yield 3.48%

Revenue Growth 72.3% ↗

Op. Margin 39.8% ↗

ROIC None

FCF / Share None

Trailing P/E 11.9x

Price / Book 1.4x

FCF Yield —

Debt / Equity 0.06

info Valuation on last close. End-of-day price, Nov 5, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$87.94M

↑ +72.3% —

Net Income Profit after all expenses

$27.75M

↑ +17446.9% —

Operating Margin Operating profit as % of sales

39.8%

↑ +7977.8% 93th

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.25 Latest / share

+3.3% YoY

+0.4% 12-yr CAGR

$1.20

FY 2014

$1.24

FY 2015

$0.83

FY 2016

$0.87

FY 2017

$0.90

FY 2018

$0.97

FY 2019

$1.01

FY 2020

$1.06

FY 2021

$1.17

FY 2022

$1.13

FY 2023

$1.21

FY 2024

$1.25

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	72.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1105%)	-27.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-555%)	-10.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-273%)	6.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+5%)	26.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+341%)	28.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+373%)	3.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-44%)	5.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-17%)	23.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+297%)	15.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+159%)	-1.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-125%)	-2.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-133%)	1.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-83%)	9.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+61%)	15.2% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+153%)	-3.2% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-153%)	—	—
EPS Growth YoY (%)	N/M	N/M	-42.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	17.7% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	45.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-7.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	3.7% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	65.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	13.8% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-27.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-23.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-9.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-2.5% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-9.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	3.1% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	N/M	N/M	-42.7% Weak ↓ Weak Declining Year-over-year change in net income	17.3% Good ↓ Good Declining Year-over-year change in net income	65.2% Excellent ↑ Excellent Improving Year-over-year change in net income	6.1% Fair ↓ Fair Declining Year-over-year change in net income	4.1% Caution ↓ Caution Declining Year-over-year change in net income	66.5% Excellent ↑ Excellent Improving Year-over-year change in net income	22.2% Good ↑ Good Improving Year-over-year change in net income	13.6% Fair ↑ Fair Improving Year-over-year change in net income	-22.8% Weak ↓ Weak Declining Year-over-year change in net income	-9.5% Weak ↓ Weak Declining Year-over-year change in net income	0.7% Caution ↓ Caution Declining Year-over-year change in net income	14.2% Fair ↑ Fair Improving Year-over-year change in net income	0.6% Caution Caution Year-over-year change in net income	3.5% Caution Caution Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	3.9% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	-11.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	6.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	20.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	18.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	11.7% Good ↓ Good Declining Compound annual revenue growth over 3 years	10.4% Good → Good Stable Compound annual revenue growth over 3 years	14.5% Good ↑ Good Improving Compound annual revenue growth over 3 years	12.1% Good ↑ Good Improving Compound annual revenue growth over 3 years	3.7% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-0.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	8.5% Fair Fair Compound annual revenue growth over 3 years	6.9% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	8.6% Good → Good Stable Compound annual revenue growth over 5 years	2.4% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	9.8% Good ↓ Good Declining Compound annual revenue growth over 5 years	13.4% Excellent → Excellent Stable Compound annual revenue growth over 5 years	16.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	14.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	8.9% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.9% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.3% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.3% Fair Fair Compound annual revenue growth over 5 years	3.9% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-5.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	—	-0.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	16.5% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	11.7% Good ↓ Good Declining Compound annual EPS growth over 3 years	16.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	25.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	11.0% Good ↑ Good Improving Compound annual EPS growth over 3 years	-14.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-20.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-11.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-4.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-4.2% Weak Weak Compound annual EPS growth over 3 years	-3.2% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	39.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	-0.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-102%)	30.1% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	46.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+86%)	41.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+68%)	31.5% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	20.7% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	38.0% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.7% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.7% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.3% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.9% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	31.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	-0.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-101%)	23.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	37.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+70%)	33.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	25.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	31.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	31.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	19.6% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	19.9% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	20.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	25.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	28.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	28.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	26.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	30.8% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	28.8% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	11.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	-0.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-101%)	9.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	17.5% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+46%)	12.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	7.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	10.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	11.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	7.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	6.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-50%)	5.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-51%)	7.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	9.2% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	9.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	8.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	10.8% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	11.0% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.06x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-95%)	0.53x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-56%)	0.41x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-66%)	0.56x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-54%)	0.30x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.32x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-73%)	0.45x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-62%)	0.43x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-64%)	0.37x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-69%)	0.30x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.53x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-56%)	0.26x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-78%)	0.54x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-55%)	0.31x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.25x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	0.49x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-59%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$9.53	$6.31	$8.71	$9.63	$9.01	$8.09	$7.25	$7.04	$6.73	$5.83	$7.96	$8.14	$8.35	$8.31	—	—	—	—
Basic EPS, GAAP (USD)	$3.01	$-0.02	$2.08	$3.59	$3.05	$2.09	$2.27	$2.19	$1.32	$1.16	$1.60	$2.10	$2.33	$2.33	$2.39	$2.65	$2.57	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.25	$1.21	$1.13	$1.17	$1.06	$1.01	$0.97	$0.90	$0.87	$0.83	$1.24	$1.20	$1.16	$1.10	$1.17	$1.13	$1.09	—
Book Value per Share (USD)	$26.23	$26.38	$22.46	$20.53	$25.10	$27.04	$21.95	$19.62	$18.64	$19.17	$27.50	$27.17	$25.33	$25.62	—	—	—	—
Tangible Book Value per Share (USD)	$23.05	$22.75	$18.80	$16.90	$21.47	$24.48	$20.11	$17.75	$16.74	$17.11	$24.77	$24.40	$22.51	$22.74	—	—	—	—
Basic Weighted Avg Shares (shares)	9.23M	8.09M	8.06M	8.14M	8.18M	7.20M	6.26M	6.23M	6.21M	5.79M	3.67M	3.65M	3.63M	3.61M	3,073	—	—	—
Dividend Payout Ratio (%)	41.5% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-6050.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	54.3% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	32.6% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	34.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	48.3% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	42.7% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	41.1% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	65.9% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	71.6% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	77.5% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	57.1% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	49.8% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	47.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	49.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	42.6% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	42.4% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$242.16M	$213.51M	$181.07M	$167.09M	$205.26M	$194.78M	$137.43M	$122.28M	$115.74M	$111.08M	$101.00M	$99.04M	$91.86M	$92.42M	$88.06M	$67.70M	$64.47M	$58.69M

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$87.94M	$51.04M	$70.19M	$78.33M	$73.67M	$58.26M	$45.38M	$43.90M	$41.82M	$33.77M	$29.22M	$29.67M	$30.28M	$29.97M	$27.32M	$23.73M	$24.50M	—
Net Income, GAAP (USD)	$27.75M	$-160.00K	$16.76M	$29.23M	$24.91M	$15.08M	$14.21M	$13.65M	$8.20M	$6.71M	$5.91M	$7.66M	$8.46M	$8.40M	$7.36M	$7.31M	$7.06M	—
Operating Cash Flow (USD)	$33.97M	$22.81M	$29.82M	$30.73M	$29.20M	$13.80M	$18.44M	$17.30M	$16.05M	—	—	$10.53M	$12.69M	$11.36M	$10.79M	$8.58M	$6.00M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.2%	2.7%	2.8%	3.3%	3.2%	2.7%	3.1%	3.1%	3.1%	2.6%	3.3%	3.5%	3.5%	3.7%	3.4%	3.7%	—	—
Efficiency Ratio (%) (%)	58.2%	95.3%	62.0%	52.4%	52.4%	59.1%	60.2%	59.2%	59.5%	68.5%	58.5%	59.7%	55.2%	53.7%	57.9%	53.7%	55.0%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 18 years · 66 quarters

NORWOOD FINANCIAL CORP

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