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NORWOOD FINANCIAL CORP

NWFL Clue Score55
United States Fiscal year ends December CIK 0001013272
$33.53 -1.00% Close, 9 Oct 2026
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Price $33.53 +30.54% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income6.7EPS, diluted1.15Fiscal year 2017Net income8.2 +22.2%EPS, diluted1.31 +13.9%Fiscal year 2018Revenue5.7Net income13.7 +66.5%EPS, diluted2.17 +65.6%Fiscal year 2019Revenue5.4 −3.8%Net income14.2 +4.1%EPS, diluted2.25 +3.7%Fiscal year 2020Revenue6.2 +14.0%Net income15.1 +6.1%EPS, diluted2.09 −7.1%Fiscal year 2021Revenue7.0 +13.1%Net income24.9 +65.2%EPS, diluted3.04 +45.5%Fiscal year 2022Revenue8.8 +24.8%Net income29.2 +17.3%EPS, diluted3.58 +17.8%Fiscal year 2023Revenue7.1 −18.5%Net income16.8 −42.7%EPS, diluted2.07 −42.2%Fiscal year 2024Revenue7.4 +3.7%Net income−0.2 −101.0%EPS, diluted−0.02 −101.0%Fiscal year 2025Revenue8.0 +8.1%Net income27.8EPS, diluted3.01
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a n/a 5.7 5.4 6.2 7.0 8.8 7.1 7.4 8.0
Growth −3.8% +14.0% +13.1% +24.8% −18.5% +3.7% +8.1%
Net income 6.7 8.2 13.7 14.2 15.1 24.9 29.2 16.8 −0.2 27.8
Growth +22.2% +66.5% +4.1% +6.1% +65.2% +17.3% −42.7% −101.0%
EPS, diluted 1.15 1.31 2.17 2.25 2.09 3.04 3.58 2.07 −0.02 3.01
Growth +13.9% +65.6% +3.7% −7.1% +45.5% +17.8% −42.2% −101.0%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Fiscal year 2018Net margin241.1%Free cash flow margin290.0%Fiscal year 2019Net margin260.9%Free cash flow margin308.6%Fiscal year 2020Net margin242.9%Free cash flow margin210.1%Fiscal year 2021Net margin354.9%Free cash flow margin397.9%Fiscal year 2022Net margin333.7%Free cash flow margin326.2%Fiscal year 2023Net margin234.9%Free cash flow margin398.2%Fiscal year 2024Net margin−2.2%Free cash flow margin266.0%Fiscal year 2025Net margin347.0%Free cash flow margin365.6%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a n/a 241.1% 260.9% 242.9% 354.9% 333.7% 234.9% −2.2% 347.0%
Free cash flow margin n/a n/a 290.0% 308.6% 210.1% 397.9% 326.2% 398.2% 266.0% 365.6%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow11.4Capital expenditure−0.5Free cash flow10.9Buybacks−0.4Dividends paid−4.7Fiscal year 2017Operating cash flow16.1Capital expenditure−1.6Free cash flow14.4 +32.7%Buybacks−1.6Dividends paid−5.4Fiscal year 2018Operating cash flow17.3Capital expenditure−0.9Free cash flow16.4 +13.9%Buybacks−0.2Dividends paid−5.5Fiscal year 2019Operating cash flow18.4Capital expenditure−1.6Free cash flow16.8 +2.4%Buybacks−0.4Dividends paid−6.0Fiscal year 2020Operating cash flow13.8Capital expenditure−0.7Free cash flow13.0 −22.4%Buybacks−0.1Dividends paid−7.3Fiscal year 2021Operating cash flow29.2Capital expenditure−1.3Free cash flow27.9 +114.1%Buybacks−1.4Dividends paid−8.5Fiscal year 2022Operating cash flow30.7Capital expenditure−2.2Free cash flow28.6 +2.3%Buybacks−2.5Dividends paid−9.2Fiscal year 2023Operating cash flow29.8Capital expenditure−1.4Free cash flow28.4 −0.6%Buybacks−3.1Dividends paid−9.4Fiscal year 2024Operating cash flow22.8Capital expenditure−3.1Free cash flow19.7 −30.7%Buybacks−0.7Dividends paid−9.7Fiscal year 2025Operating cash flow34.0Capital expenditure−4.7Free cash flow29.2 +48.6%Buybacks−0.4Dividends paid−11.5
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 11.4 16.1 17.3 18.4 13.8 29.2 30.7 29.8 22.8 34.0
Capital expenditure −0.5 −1.6 −0.9 −1.6 −0.7 −1.3 −2.2 −1.4 −3.1 −4.7
Free cash flow 10.9 14.4 16.4 16.8 13.0 27.9 28.6 28.4 19.7 29.2
Growth +32.7% +13.9% +2.4% −22.4% +114.1% +2.3% −0.6% −30.7% +48.6%
Buybacks −0.4 −1.6 −0.2 −0.4 −0.1 −1.4 −2.5 −3.1 −0.7 −0.4
Dividends paid −4.7 −5.4 −5.5 −6.0 −7.3 −8.5 −9.2 −9.4 −9.7 −11.5

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash17.2Shareholders’ equity111.1Fiscal year 2017Cash16.7Shareholders’ equity115.7Fiscal year 2018Cash18.3Shareholders’ equity122.3Fiscal year 2019Cash15.4Shareholders’ equity137.4Fiscal year 2020Cash111.7Shareholders’ equity194.8Fiscal year 2021Cash206.7Shareholders’ equity205.3Fiscal year 2022Cash31.9Shareholders’ equity167.1Fiscal year 2023Cash66.1Shareholders’ equity181.1Fiscal year 2024Cash72.3Shareholders’ equity213.5Fiscal year 2025Cash44.4Shareholders’ equity242.2
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 17.2 16.7 18.3 15.4 111.7 206.7 31.9 66.1 72.3 44.4
Shareholders’ equity 111.1 115.7 122.3 137.4 194.8 205.3 167.1 181.1 213.5 242.2

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
n/a n/a 5.7 5.4 6.2 7.0 8.8 7.1 7.4 8.0
Growth −3.8% +14.0% +13.1% +24.8% −18.5% +3.7% +8.1%
8.6 14.7 16.2 16.8 18.4 30.9 36.4 21.1 −0.3 35.0
1.9 6.6 2.6 2.6 3.3 5.9 7.2 4.4 −0.1 7.3
6.7 8.2 13.7 14.2 15.1 24.9 29.2 16.8 −0.2 27.8
Growth +22.2% +66.5% +4.1% +6.1% +65.2% +17.3% −42.7% −101.0%
Per share
1.16 1.32 2.19 2.27 2.09 3.05 3.59 2.08 −0.02 3.01
1.15 1.31 2.17 2.25 2.09 3.04 3.58 2.07 −0.02 3.01
Growth +13.9% +65.6% +3.7% −7.1% +45.5% +17.8% −42.2% −101.0%
5.8 6.2 6.2 6.3 7.2 8.2 8.1 8.1 8.1 9.2
5.8 6.3 6.3 6.3 7.2 8.2 8.2 8.1 8.1 9.2
Growth +7.6% +0.3% +0.7% +14.2% +13.4% −0.3% −1.1% +0.1% +14.1%

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue grew 5.2% a year over five years, and earnings per share grew 7.6% a year.
  • The diluted share count rose 27.7% in five years, which is dilution.
  • A net loss in 1 of 10 years on file.