NWFL
Norwood Financia (NWFL)
NASDAQ
$29.42+$0.06 (+0.20%)
Price as of Jun 03, 2026 4:10 PM EDT
  • $329.2M
    Market Cap
  • 21.00%
    1-Year Change
  • Banks - Regional
    Industry
Annual
Quarterly
12/31/2025
12/31/2023
12/31/2022
12/31/2021
Income Statement
Total Operating Revenue
6.4M
-10.02%
7.1M
-18.55%
8.8M
+25.43%
7.0M
+12.50%
Cost of Revenue
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Gross Profit
6.4M
-10.02%
7.1M
-18.55%
8.8M
+25.43%
7.0M
+12.50%
Sales and Marketing Expense
742,000
+17.78%
630,000
+22.09%
516,000
+9.09%
473,000
+22.86%
Research and Development Expense
-4.6M
+36.54%
-3.3M
+13.36%
-2.9M
+22.07%
-2.4M
-1.71%
Depreciation and Amortization Expense
54,000
-36.47%
85,000
-15.84%
101,000
-17.89%
123,000
+7.89%
Total Operating Expenses
51.1M
+17.59%
43.5M
+5.98%
41.0M
+6.39%
38.6M
+12.02%
Operating Profit
35.0M
+65.61%
21.1M
-41.88%
36.4M
+17.90%
30.9M
+68.03%
Interest Income
126.5M
+32.43%
95.5M
+26.27%
75.7M
+6.47%
71.1M
+21.58%
Interest Expense
N/A
N/A
-33.5M
+360.49%
-7.3M
+26.26%
-5.8M
-27.85%
Interest Income and Expense and Net
126.5M
+103.86%
62.1M
-9.25%
68.4M
+4.72%
65.3M
+29.39%
Total Nonoperating Income and Expense
78.3M
+26.19%
62.1M
-9.25%
68.4M
+4.72%
65.3M
+29.39%
Income before Taxes
35.0M
+65.61%
21.1M
-41.88%
36.4M
+17.90%
30.9M
+68.03%
Income Taxes
7.3M
+65.58%
4.4M
-38.66%
7.2M
+20.30%
5.9M
+80.92%
Extraordinary Items
N/A
N/A
N/A
N/A
N/A
N/A
0
N/A
Net Income
27.8M
+65.61%
16.8M
-42.67%
29.2M
+17.33%
24.9M
+65.22%
Net Income from Continuing Operations Applicable to Common
35.0M
+65.61%
21.1M
-41.88%
36.4M
+17.90%
30.9M
+104.64%
Basic EPS and Net Income
3.01
+44.71%
2.08
-42.06%
3.59
+17.70%
3.05
+45.93%
Diluted EPS and Net Income
3.01
+45.41%
2.07
-42.18%
3.58
+17.76%
3.04
+45.45%
Basic Weighted Average Shares
9.2M
+14.50%
8.1M
-0.92%
8.1M
-0.50%
8.2M
+13.54%
Diluted Weighted Average Shares
9.2M
+14.24%
8.1M
-1.14%
8.2M
-0.27%
8.2M
+13.40%
Balance Sheet
Cash and Cash Equivalents
32.1M
+12.56%
28.5M
-1.09%
28.8M
+36.89%
21.1M
+8.37%
Short-Term Investments
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash and Cash Equivalents and Short-Term Investments
32.1M
+12.56%
28.5M
-1.09%
28.8M
+36.89%
21.1M
+8.37%
Total Current Assets
8.4M
-37.57%
13.4M
+9.43%
12.2M
-31.97%
18.0M
+2.34%
Accumulated Depreciation
22.9M
+12.61%
20.4M
+2.41%
19.9M
+6.83%
18.6M
+7.46%
Property and Plant and Equipment and Net
23.0M
+28.78%
17.8M
-0.48%
17.9M
+3.67%
17.3M
-2.95%
Total Long-Term Assets
8.4M
-37.57%
13.4M
+9.43%
12.2M
-31.97%
18.0M
+2.34%
Total Assets
2.4B
+10.17%
2.2B
+7.52%
2.0B
-1.04%
2.1B
+11.70%
Income Taxes Payable
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Short-Term Debt
14.7M
-80.14%
74.1M
-20.53%
93.2M
+53.26%
60.8M
-3.92%
Total Current Liabilities
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Long-Term Debt
59.4M
-52.17%
124.2M
+210.59%
40.0M
+33.34%
30.0M
-29.35%
Total Long-Term Liabilities
4.2M
-20.29%
5.2M
-7.44%
5.7M
+17.60%
4.8M
-8.52%
Total Liabilities
2.2B
+8.05%
2.0B
+7.45%
1.9B
+0.90%
1.9B
+12.44%
Retained Earnings
141.1M
+4.32%
135.3M
+4.05%
130.0M
+18.18%
110.0M
+17.29%
Total Stockholders Equity
242.2M
+33.74%
181.1M
+8.37%
167.1M
-18.60%
205.3M
+5.38%
Total Shares Outstanding
9.5M
+14.51%
8.3M
+0.23%
8.3M
+0.30%
8.3M
+0.37%
Cash Flow
Cash from Operating Activities
34.0M
+13.89%
29.8M
-2.96%
30.7M
+5.26%
29.2M
+111.63%
Capital Expenditures
4.7M
+234.28%
1.4M
-34.42%
2.2M
+71.14%
1.3M
+67.96%
Cash from Investing Activities
-129.0M
+10.62%
-116.6M
-43.96%
-208.0M
+58.82%
-131.0M
+113.45%
Dividends Paid
11.5M
+22.00%
9.4M
+2.83%
9.2M
+7.25%
8.5M
+17.57%
Cash from Financing Activities
67.1M
-44.56%
121.0M
+4,848.79%
2.4M
-98.76%
196.8M
+36.79%
Financials Ratio
Gross Margin
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Operating Margin
N/A
N/A
296.33%
-28.65%
415.31%
-6.00%
441.80%
+49.36%
Return on Assets
N/A
N/A
0.79%
-44.46%
1.42%
+11.76%
1.27%
+29.92%
Return on Equity
N/A
N/A
9.63%
-38.69%
15.70%
+26.06%
12.46%
+37.20%
Revenue Growth
N/A
N/A
-18.55%
-172.95%
25.43%
+103.44%
12.50%
-10.53%
Current Ratio
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash Ratio
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Debt-to-Equity Ratio
N/A
N/A
1.10
+37.36%
0.80
+80.18%
0.44
-18.51%
Debt-to-Assets Ratio
N/A
N/A
0.09
+38.40%
0.07
+48.29%
0.04
-23.12%

Earnings & Revenue History

Debt-to-Assets

Cash Flow