FY2025 · ended Dec 31, 2025 · Revenue $8.00M, +8.1% YoY · Filed Mar 13, 2026
Norwood Financial Corp (NWFL) files with the SEC under industry code 6022, State Commercial Banks. In fiscal 2025, which ended Dec 31, 2025, it reported revenue of $8.0 million and net income of $27.8 million. Free cash flow was $29.2 million. As of Jun 30, 2026 it held $499.3 million in cash and investments and $14.7 million in total debt.
Revenue (TTM)
$8.53M
+11.4% vs year-ago TTM
Net income (TTM)
$28.84M
+809.0% vs year-ago TTM
Operating cash flow (TTM)
$33.02M
+30.5% vs year-ago TTM
Free cash flow (TTM)
$29.95M
+45.0% vs year-ago TTM
EPS (TTM)
$2.88
+685.4% vs year-ago TTM
Dividend per share (TTM)
$1.27
+3.3% vs year-ago TTM
Shares outstanding
10.89M
+17.6% vs prior year
Net cash
$484.54M
as of Jun 30, 2026
Operating margin
—
Company profile
- Industry
- State Commercial Banks (SIC 6022)
- Listed as
- NWFL (Nasdaq)
- Fiscal year ends
- December 31
- Incorporated in
- PA
- Headquarters
- Honesdale, PA
- SEC filer status
- Accelerated filer, Smaller reporting company
- SEC CIK
- 1013272
Other State Commercial Banks companies
Key figures
Fiscal-year totals from the annual reports. Balance sheet lines are as of each year end.
| Line | FY 2025 Dec 31, 2025 |
FY 2024 Dec 31, 2024 |
FY 2023 Dec 31, 2023 |
FY 2022 Dec 31, 2022 |
FY 2021 Dec 31, 2021 |
|---|---|---|---|---|---|
| Revenue | $8.0M | $7.4M | $7.1M | $8.8M | $7.0M |
| Net income | $27.8M | -$160,000 | $16.8M | $29.2M | $24.9M |
| Diluted EPS | $3.01 | -$0.02 | $2.07 | $3.58 | $3.04 |
| Operating cash flow | $34.0M | $22.8M | $29.8M | $30.7M | $29.2M |
| Free cash flow | $29.2M | $19.7M | $28.4M | $28.6M | $27.9M |
| Total assets | $2.4B | $2.3B | $2.2B | $2.0B | $2.1B |
| Total liabilities | $2.2B | $2.1B | $2.0B | $1.9B | $1.9B |
| Stockholders' equity | $242.2M | $213.5M | $181.1M | $167.1M | $205.3M |
| Cash and investments | $453.2M | $470.2M | $472.4M | $450.8M | $613.5M |
| Total debt | $18.1M | $117.0M | $78.1M | $97.4M | $65.4M |
Recent SEC filings
| Form | Description | Filed | Period |
|---|---|---|---|
| 8-K |
Current report
Results of operations, Regulation FD disclosure
|
Oct 27, 2026 | Oct 27, 2026 |
| 8-K |
Current report
Other events
|
Sep 16, 2026 | Sep 16, 2026 |
| 8-K |
Current report
Other events
|
Aug 28, 2026 | Aug 28, 2026 |
| 10-Q | Quarterly report | Aug 7, 2026 | Jun 30, 2026 |
| 8-K |
Current report
Regulation FD disclosure
|
Jul 27, 2026 | Jul 27, 2026 |
| 8-K |
Current report
Results of operations, Regulation FD disclosure
|
Jul 22, 2026 | Jul 22, 2026 |
All 1008 Norwood Financial Corp SEC filings
Source: SEC EDGAR filings. This is company-reported data, not investment advice.