Norwood Financial Corp.

NWFL

NWFLNorwood Financial Corp. US flag

NASDAQ Global Market

29.43

USD

-1.11

- -

271.61MMarket Cap

Income Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	27	30	30	30	29	34	42	44	45	58	74	78	70	51	88
+ Sales & Services Revenue	27	30	30	30	29	34	42	44	45	58	74	78	70	51	88
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	8	10	10	11	11	14	16	17	18	21	22	23	25	27	29
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-8	-10	-10	-11	-11	-14	-16	-17	-18	-21	-22	-23	-25	-27	-29
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-10	-11	-11	-10	-8	-9	-15	-16	-17	-18	-31	-36	-21	- -	-35
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-10	-11	-11	-10	-8	-9	-15	-16	-17	-18	-31	-36	-21	- -	-35
Pretax Income	10	11	11	10	8	9	15	16	17	18	31	36	21	- -	35
- Income Tax Expense (Benefit)	3	3	3	3	2	2	7	3	3	3	6	7	4	- -	7
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	7	8	8	8	6	7	8	14	14	15	25	29	17	- -	28
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	7	8	8	8	6	7	8	14	14	15	25	29	17	- -	28
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	7	8	8	8	6	7	8	14	14	15	25	29	17	- -	28
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	7	8	8	8	6	7	8	14	14	15	25	29	17	- -	28
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	1	1	1	1	1	1	1	1	1	1	2	2	1	1	1
EBITDA Margin (%)	2.34	2.41	2.41	2.34	2.25	2.51	2.56	2.33	2.44	2.46	2.18	2.01	2.08	2.7	1.67
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	26.92	28.04	27.96	25.81	20.22	19.87	19.6	31.09	31.32	25.89	33.82	37.32	23.88	-0.31	31.56
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.69	0.73	0.76	0.8	0.82	0.81	0.87	0.88	0.96	1.01	1.05	1.12	1.17	1.21	1.25
Depreciation Expense	1	1	1	1	1	1	1	1	1	1	2	2	1	1	1
Basic Weighted Avg Shares	5	5	5	5	6	6	6	6	6	7	8	8	8	8	9
Basic EPS, GAAP	1.45	1.55	1.55	1.4	1.07	1.16	1.32	2.19	2.27	2.09	3.05	3.59	2.08	-0.02	3.01
Basic EPS from Cont Ops	1.45	1.55	1.55	1.4	1.07	1.16	1.32	2.19	2.27	2.09	3.05	3.59	2.08	-0.02	3.01
Diluted Weighted Avg Shares	5	5	5	5	6	6	6	6	6	7	8	8	8	8	9
Diluted EPS, GAAP	1.45	1.55	1.55	1.4	1.07	1.15	1.31	2.17	2.25	2.09	3.04	3.58	2.07	-0.02	3.01
Diluted EPS from Cont Ops	1.45	1.55	1.55	1.4	1.07	1.15	1.31	2.17	2.25	2.09	3.04	3.58	2.07	-0.02	3.01

Balance Sheet (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	172	158	166	169	149	320	298	262	226	338	613	451	472	470	324
+ Cash & Cash Equivalents	21	12	8	12	10	17	17	18	15	112	207	32	66	72	44
+ ST Investments	150	145	158	156	139	303	281	243	210	227	407	419	406	398	280
+ Accounts & Notes Receiv	2	2	2	2	2	4	4	4	4	6	6	7	8	8	9
+ Accounts Receivable, Net	2	2	2	2	2	4	4	4	4	6	6	7	8	8	9
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-174	-160	-168	-171	-151	-323	-302	-265	-229	-345	-619	-458	-481	-479	-334
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	7	7	7	7	6	14	14	14	14	18	17	18	18	20	23
+ Property, Plant & Equip	15	16	16	16	17	27	27	28	29	35	36	38	38	41	46
- Accumulated Depreciation	8	8	9	10	10	13	13	14	15	17	19	20	20	22	23
+ LT Investments & Receivables	150	146	158	156	139	303	281	243	210	227	407	419	406	398	409
+ LT Investments	150	146	158	156	139	303	281	243	210	227	407	419	406	398	409
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-158	-153	-165	-163	-145	-316	-295	-257	-224	-244	-424	-437	-424	-418	-432
+ Total Intangible Assets	11	10	10	10	10	12	12	12	12	30	30	30	29	29	29
+ Goodwill	10	10	10	10	10	11	11	11	11	29	29	29	29	29	29
+ Other Intangible Assets	1	1	1	- -	- -	1	- -	- -	- -	1	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-168	-163	-176	-173	-155	-328	-307	-269	-236	-274	-454	-466	-454	-447	-461
Total Assets	669	672	711	712	751	1,111	1,133	1,185	1,231	1,852	2,069	2,047	2,201	2,317	2,425
+ Payables & Accruals	1	1	1	1	1	1	1	2	2	2	1	3	11	13	12
+ Accounts Payable	1	1	1	1	1	1	1	2	2	2	1	3	11	13	12
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	22	- -	13	- -	20	- -	18	16	32	- -	- -	82	44	99	45
+ ST Borrowings	22	- -	13	- -	20	- -	18	16	32	- -	- -	82	44	99	45
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-23	-1	-14	-1	-21	-1	-20	-17	-34	-2	-1	-85	-55	-111	-57
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-23	-1	-14	-1	-21	-1	-20	-17	-34	-2	-1	-85	-55	-111	-57
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	28	22	24	22	41	32	36	52	56	42	30	40	70	60	29
+ LT Borrowings	28	22	24	22	41	32	36	52	56	42	30	40	70	60	29
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-28	-22	-24	-22	-41	-32	-36	-52	-56	-42	-30	-40	-70	-60	-29
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-28	-22	-24	-22	-41	-32	-36	-52	-56	-42	-30	-40	-70	-60	-29
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	581	580	619	613	650	1,000	1,017	1,062	1,093	1,657	1,863	1,880	2,020	2,104	2,183
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	25	25	35	36	36	48	48	49	50	96	97	98	99	127	128
+ Common Stock	- -	- -	- -	- -	- -	- -	1	1	1	1	1	1	1	1	1
+ Additional Paid in Capital	25	25	35	35	35	48	47	48	49	95	96	97	98	127	127
- Treasury Stock	3	2	2	1	1	- -	- -	- -	- -	- -	2	3	5	6	6
+ Retained Earnings	62	67	61	64	65	67	70	78	87	94	110	130	135	125	141
+ Other Equity	3	3	-3	- -	- -	-4	-3	-5	1	5	- -	-57	-47	-33	-21
Equity Before Minority Interest	88	92	92	99	101	111	116	122	137	195	205	167	181	214	242
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	88	92	92	99	101	111	116	122	137	195	205	167	181	214	242
Total Liabilities & Equity	669	672	711	712	751	1,111	1,133	1,185	1,231	1,852	2,069	2,047	2,201	2,317	2,425
Shares Outstanding	5	5	5	6	6	6	6	6	6	8	8	8	8	9	9
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	28	10	29	10	51	15	37	50	73	-69	-177	90	48	86	30
Net Debt to Equity	31.84	11.03	31.91	9.92	50.29	13.35	32.39	40.5	52.95	-35.54	-86.08	54.1	26.57	40.37	12.26
Tangible Common Equity Ratio	11.78	12.4	11.65	12.68	12.29	9.02	9.27	9.43	10.32	9.05	8.61	6.82	6.98	8.05	8.88
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	7	8	8	8	6	7	8	14	14	15	25	29	17	- -	28
+ Depreciation & Amortization	1	1	1	1	1	1	1	1	1	1	2	2	1	1	1
+ Non-Cash Items	1	2	3	2	4	3	6	2	2	-1	3	- -	5	20	6
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1	1	1	1
+ Deferred Income Taxes	- -	- -	- -	- -	- -	1	3	- -	1	1	- -	- -	1	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	1	2	2	2	4	3	4	2	1	-2	3	-2	4	19	5
+ Chg in Non-Cash Work Cap	2	- -	1	- -	- -	- -	- -	- -	1	-2	- -	- -	7	2	-1
+ (Inc) Dec in Accts Receiv	2	1	1	- -	- -	- -	- -	- -	- -	-1	- -	-1	-1	- -	-1
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	-1	-1	- -	- -	- -	- -	- -	- -	1	-1	- -	1	8	2	- -
+ Inc (Dec) in Other	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	11	11	13	11	10	11	16	17	18	14	29	31	30	23	34
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	1	3	1	- -	- -	- -	1	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	1	3	1	- -	- -	- -	1	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	- -	- -	- -	- -	-1	-2	-1	-2	-1	-1	-2	-1	-3	-5
+ Acq of Fixed Prod Assets	- -	- -	- -	- -	- -	-1	-2	-1	-2	-1	-1	-2	-1	-3	-5
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	- -	- -	- -	-1	- -	- -	- -	-1	-3	-3	27	- -
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	28	- -
+ Decrease in Capital Stock	-1	- -	- -	- -	- -	- -	-2	- -	- -	- -	-1	-3	-3	-1	- -
+ Net Change in LT Investment	13	4	-21	7	17	36	23	33	39	1	-189	-85	24	6	4
+ Dec in LT Investment	67	72	63	81	68	137	43	49	61	83	80	46	37	214	68
+ Inc in LT Investment	-54	-67	-85	-74	-51	-101	-20	-15	-22	-82	-268	-131	-13	-208	-63
+ Net Cash From Acq & Div	5	- -	- -	- -	- -	11	- -	- -	- -	15	- -	- -	- -	- -	- -
+ Cash from Divestitures	5	- -	- -	- -	- -	11	- -	- -	- -	15	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	13	-24	-32	-2	-63	-43	-50	-87	-78	-77	59	-121	-140	-118	-129
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	31	-17	-53	5	-46	4	-29	-55	-40	-61	-131	-208	-117	-115	-129
+ Dividends Paid	-4	-4	-4	-4	-5	-5	-5	-6	-6	-7	-9	-9	-9	-10	-11
+ Net Cash From Debt	-18	-5	1	-2	19	-29	4	16	4	-14	-12	10	84	-22	-42
+ Cash From Debt	- -	- -	7	- -	29	- -	28	30	31	10	- -	40	155	60	40
+ Repayments of Debt	-18	-5	-6	-2	-10	-29	-24	-14	-27	-24	-12	-30	-71	-82	-82
+ Other Financing Activities	-15	6	39	-5	19	26	15	28	21	165	219	4	49	103	121
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	-37	-3	36	-11	33	-8	12	39	18	144	197	2	121	99	67
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	5	-9	-4	5	-2	7	- -	2	-3	96	95	-175	34	6	-28
EBITDA	1	1	1	1	1	1	1	1	1	1	2	2	1	1	1
EBITDA Margin (%)	2.34	2.41	2.41	2.34	2.25	2.51	2.56	2.33	2.44	2.46	2.18	2.01	2.08	2.7	1.67
Free Cash Flow	11	11	12	10	10	11	14	16	17	13	28	29	28	20	29
Net Cash Paid for Acquisitions	-5	- -	- -	- -	- -	-11	- -	- -	- -	-15	- -	- -	- -	- -	- -
Free Cash Flow to Firm	11	11	12	10	10	11	14	16	17	13	28	29	28	- -	29
Free Cash Flow to Equity	-7	9	14	9	29	-18	19	33	21	-1	16	39	113	-3	-13
Free Cash Flow per Basic Share	2.09	2.02	2.26	1.89	1.84	1.88	2.32	2.64	2.69	1.81	3.42	3.51	3.53	2.46	3.17
Price/Free Cash Flow	7.71	8.29	7.47	9.88	9.84	10.81	11.68	11.42	12.25	12.98	6.99	8.3	8.53	8.39	6.69
Cash Flow to Net Income	1.47	1.35	1.5	1.38	1.78	1.7	1.96	1.27	1.3	0.91	1.17	1.05	1.78	-142.54	1.22
Capital Expenditures	- -	- -	- -	- -	- -	-1	-2	-1	-2	-1	-1	-2	-1	-3	-5