NORWOOD FINANCIAL CORP NWFL

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

Norwood Financial Corp (the "Company"), a Pennsylvania corporation, was incorporated in 1995 to become the holding company for Wayne Bank (the "Bank"). The Company is a registered bank holding company subject to regulation and supervision by the Board of Governors of the Federal Reserve System ("Federal Reserve"). As of December 31, 2025, the Company had total consolidated assets of $2.425 billion, consolidated deposits of $2.183 billion, and consolidated stockholders' equity of $242.2 million. The Company's ratio of average equity to average assets was 9.59%, 8.26%, and 8.14% for fiscal years 2025, 2024 and 2023, respectively.

Wayne Bank is a Pennsylvania chartered bank and trust company headquartered in Honesdale, Pennsylvania. The Bank was originally chartered on February 17, 1870, as Wayne County Savings Bank and changed its name to Wayne County Bank and Trust in December 1943. In September 1993, the Bank adopted the name Wayne Bank. The Bank's deposits are insured to applicable limits by the Federal Deposit Insurance Corporation ("FDIC") and the Bank is a member of the Federal Home Loan Bank ("FHLB") of Pittsburgh. The Bank is regulated and examined by the Pennsylvania Department of Banking and Securities ("Department") and the FDIC. The Bank is an independent community bank with fifteen offices in Northeastern Pennsylvania and fourteen offices in Delaware, Sullivan, Ontario, Otsego and Yates Counties, New York.

Last close 34.77 2026-10-23
Market cap $379.1M 2026-06-30 share count
52-week range 25.50 - 35.48

Valuation FY2025 figures against the last close

P/S47.4x
P/E11.6x
P/FCF13.0x
EV/EBITDA—
Dividend yield3.0%
Diluted EPS3.01

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $8.0M$7.4M$7.1M$8.8M$7.0M$6.2M$5.4M$5.7M$39.0M$32.2M
Interest expense $78.3M$62.2M$62.1M$7.3M$5.8M$8.0M$8.7M$5.7M$4.1M$3.7M
Pre-tax income $35.0M-$258.0K$21.1M$36.4M$30.9M$18.4M$16.8M$16.2M$14.7M$8.6M
Income tax $7.3M$98.0K$4.4M$7.2M$5.9M$3.3M$2.6M$2.6M$6.6M$1.9M
Net income $27.8M-$160.0K$16.8M$29.2M$24.9M$15.1M$14.2M$13.7M$8.2M$6.7M
EPS, basic 3.01-0.022.083.593.052.092.272.191.321.16
EPS, diluted 3.01-0.022.073.583.042.092.252.171.311.15
Shares, diluted (wtd. avg.) 9.2M8.1M8.1M8.2M8.2M7.2M6.3M6.3M6.3M5.8M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $44.4M$72.3M$66.1M$31.9M$206.7M$111.7M$15.4M$18.3M$16.7M$17.2M
Property, plant and equipment $23.0M$19.7M$17.8M$17.9M$17.3M$17.8M$14.2M$13.8M$13.9M$13.5M
Goodwill $29.3M$29.3M$29.3M$29.3M$29.3M$17.9M$11.3M$11.3M$11.3M$11.3M
Other intangibles $98.0K$152.0K$221.0K$306.0K$407.0K$530.0K$235.0K$336.0K$462.0K$612.0K
Total assets $2.42B$2.32B$2.20B$2.05B$2.07B$1.85B$1.23B$1.18B$1.13B$1.11B
Short-term debt $14.7M$113.1M$74.1M$93.2M$60.8M$63.3M$62.3M$53.0M$42.5M$32.8M
Total liabilities $2.18B$2.10B$2.02B$1.88B$1.86B$1.66B$1.09B$1.06B$1.02B$1.00B
Retained earnings $141.1M$125.0M$135.3M$130.0M$110.0M$93.8M$86.5M$78.4M$70.4M$67.2M
Total equity $242.2M$213.5M$181.1M$167.1M$205.3M$194.8M$137.4M$122.3M$115.7M$111.1M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $34.0M$22.8M$29.8M$30.7M$29.2M$13.8M$18.4M$17.3M$16.1M$11.4M
Capital expenditure $4.7M$3.1M$1.4M$2.2M$1.3M$749.0K$1.6M$873.0K$1.6M$511.0K
Investing cash flow -$129.0M-$115.2M-$116.6M-$208.0M-$131.0M-$61.4M-$39.8M-$54.8M-$28.6M$3.5M
Financing cash flow $67.1M$98.6M$121.0M$2.4M$196.8M$143.8M$18.4M$39.2M$12.1M-$7.8M
Dividends paid $11.5M$9.7M$9.4M$9.2M$8.5M$7.3M$6.0M$5.5M$5.4M$4.7M
Buybacks $361.0K$703.0K$3.1M$2.5M$1.4M$108.0K$428.0K$194.0K$1.6M$447.0K

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001013272-26-000003.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. -10M 0 10M 20M 30M 40M Revenue, FY2016: 32.2M Net income, FY2016: 6.7M Revenue, FY2017: 39M Net income, FY2017: 8.2M Revenue, FY2018: 5.7M Net income, FY2018: 13.7M Revenue, FY2019: 5.4M Net income, FY2019: 14.2M Revenue, FY2020: 6.2M Net income, FY2020: 15.1M Revenue, FY2021: 7M Net income, FY2021: 24.9M Revenue, FY2022: 8.8M Net income, FY2022: 29.2M Revenue, FY2023: 7.1M Net income, FY2023: 16.8M Revenue, FY2024: 7.4M Net income, FY2024: -160K Revenue, FY2025: 8M Net income, FY2025: 27.8M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $32.2M $39.0M $5.7M $5.4M $6.2M $7.0M $8.8M $7.1M $7.4M $8.0M
Gross profit — — — — — — — — — —
Net income $6.7M $8.2M $13.7M $14.2M $15.1M $24.9M $29.2M $16.8M -$160.0K $27.8M

Recent filings and events

  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Item 7.01
  • Regulation FD disclosure Item 7.01
  • Other event Item 8.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Regulation FD disclosure Item 7.01
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced Item 2.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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