NORWOOD FINANCIAL CORP
NWFLNasdaqFinancials · State Commercial Banks · PA · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $8.0M | $7.4M | $7.1M | $8.8M | $7.0M | $6.2M |
| Operating income | — | — | — | — | — | — |
| Net income | $27.8M | −$160,000 | $16.8M | $29.2M | $24.9M | $15.1M |
| Total assets | $2.42B | $2.32B | $2.20B | $2.05B | $2.07B | $1.85B |
| Total liabilities | $2.18B | $2.10B | $2.02B | $1.88B | $1.86B | $1.66B |
| Equity | $242.2M | $213.5M | $181.1M | $167.1M | $205.3M | $194.8M |
| EPS (diluted) | $3.01 | $-0.02 | $2.07 | $3.58 | $3.04 | $2.09 |
| Shares out. | 9.3M | 8.1M | 8.2M | 8.2M | 8.2M | 6.3M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 347.0%
- Return on equity
- 11.5%
- Return on assets
- 1.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.0%
- Debt / equity
- 9.01×
- Book value / share
- $26.14
- Revenue growth (YoY)
- 8.1%
- Net income growth (YoY)
- —
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.3%clean
- Piotroski F-Score
- 6/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 3 good- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Wellington Management Group LlpPassive (13G)May 15, 2026
- Bay Pond Partners, L.P.Passive (13G)Feb 10, 2026
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 84,934 | 4.2 | -14.1% |
| Apr 30, 2026 | 98,832 | 5.5 | -17.2% |
| Apr 15, 2026 | 119,374 | 5.9 | +15.8% |
| Mar 31, 2026 | 103,112 | 3.9 | -0.8% |
| Mar 13, 2026 | 103,904 | 4.6 | +30.9% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteMay 4, 2026
- Regulation FD disclosureApr 28, 2026
- Results of operations · Regulation FD disclosureApr 27, 2026
- Results of operations · Regulation FD disclosureJan 22, 2026
- Results of operationsJan 12, 2026
- Completed an acquisition or disposition · Director / officer change · Regulation FD disclosure · Other material eventJan 5, 2026
- Other material eventDec 17, 2025
- Other material eventDec 12, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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