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Norwood Financial (NWFL)
NASDAQ:NWFL
US Market
NWFL
Norwood Financial
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Norwood Financial (NWFL) Ratios

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Norwood Financial Ratios

NWFL's free cash flow for Q4 2025 was $0.66. For the 2025 fiscal year, NWFL's free cash flow was decreased by $ and operating cash flow was $0.28. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.16 0.24 0.25 0.25
Quick Ratio
 0.00 0.16 0.24 0.25 0.25
Cash Ratio
 0.00 0.02 0.04 0.03 0.02
Solvency Ratio
 0.01 0.01 <0.01 <0.01 0.02
Operating Cash Flow Ratio
 0.00 0.02 0.01 0.02 0.02
Short-Term Operating Cash Flow Coverage
 0.00 0.76 0.17 0.30 0.23
Net Current Asset Value
$ -2.60B$ -1.85B$ -1.63B$ -1.54B$ -1.42B
Leverage Ratios
Debt-to-Assets Ratio
 0.03 0.03 0.08 0.08 0.08
Debt-to-Equity Ratio
 0.31 0.31 0.91 0.93 1.04
Debt-to-Capital Ratio
 0.24 0.23 0.48 0.48 0.51
Long-Term Debt-to-Capital Ratio
 0.24 0.11 0.22 0.28 0.19
Financial Leverage Ratio
 10.27 10.01 10.85 12.16 12.25
Debt Service Coverage Ratio
 0.54 0.32 <0.01 0.14 0.22
Interest Coverage Ratio
 0.66 0.74 >-0.01 0.63 5.01
Debt to Market Cap
 0.32 0.29 0.90 0.63 0.64
Interest Debt Per Share
 15.07 13.35 30.66 25.04 22.18
Net Debt to EBITDA
 1.86 0.81 109.49 4.52 3.72
Profitability Margins
Gross Profit Margin
61.66%63.63%47.69%62.36%90.46%
EBIT Margin
24.48%26.07%-0.25%20.40%42.51%
EBITDA Margin
25.03%26.85%1.10%21.81%44.34%
Operating Profit Margin
24.48%26.07%-0.25%20.40%42.51%
Pretax Profit Margin
24.13%25.72%-0.25%20.40%42.51%
Net Profit Margin
19.06%20.39%-0.16%16.17%34.15%
Continuous Operations Profit Margin
19.06%20.39%-0.16%16.17%34.15%
Net Income Per EBT
78.98%79.25%62.02%79.25%80.34%
EBT Per EBIT
98.59%98.68%100.00%100.00%100.00%
Return on Assets (ROA)
0.88%1.14%>-0.01%0.76%1.43%
Return on Equity (ROE)
10.43%11.46%-0.07%9.26%17.50%
Return on Capital Employed (ROCE)
1.13%12.26%-0.08%7.12%19.83%
Return on Invested Capital (ROIC)
0.89%8.42%-0.04%4.24%9.23%
Return on Tangible Assets
0.89%1.16%>-0.01%0.77%1.45%
Earnings Yield
9.39%10.80%-0.07%6.32%10.74%
Efficiency Ratios
Receivables Turnover
 12.47 14.72 11.98 12.76 12.38
Payables Turnover
 0.00 4.08 4.21 3.71 3.08
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 5.33 5.93 5.16 5.81 4.78
Asset Turnover
 0.05 0.06 0.04 0.05 0.04
Working Capital Turnover Ratio
 -0.15 -0.08 -0.07 -0.07 -0.07
Cash Conversion Cycle
 29.26 -64.70 -56.31 -69.71 -89.04
Days of Sales Outstanding
 29.26 24.80 30.47 28.60 29.49
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 89.50 86.78 98.31 118.54
Operating Cycle
 29.26 24.80 30.47 28.60 29.49
Cash Flow Ratios
Operating Cash Flow Per Share
 3.71 3.71 2.85 3.70 3.78
Free Cash Flow Per Share
 3.32 3.19 2.46 3.53 3.51
CapEx Per Share
 0.39 0.52 0.39 0.18 0.26
Free Cash Flow to Operating Cash Flow
 0.90 0.86 0.86 0.95 0.93
Dividend Paid and CapEx Coverage Ratio
 2.26 2.10 1.78 2.75 2.72
Capital Expenditure Coverage Ratio
 9.59 7.20 7.29 21.12 14.27
Operating Cash Flow Coverage Ratio
 0.38 0.46 0.12 0.18 0.18
Operating Cash Flow to Sales Ratio
 0.25 0.25 0.22 0.29 0.36
Free Cash Flow Yield
11.04%11.38%9.04%10.72%10.50%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 10.65 9.26 -1.36K 15.82 9.31
Price-to-Sales (P/S) Ratio
 2.04 1.89 2.15 2.56 3.18
Price-to-Book (P/B) Ratio
 0.96 1.06 1.02 1.46 1.63
Price-to-Free Cash Flow (P/FCF) Ratio
 9.06 8.79 11.06 9.33 9.52
Price-to-Operating Cash Flow Ratio
 8.06 7.57 9.54 8.89 8.85
Price-to-Earnings Growth (PEG) Ratio
 <0.01 >-0.01 13.48 -0.38 0.53
Price-to-Fair Value
 0.96 1.06 1.02 1.46 1.63
Enterprise Value Multiple
 10.03 7.84 304.02 16.25 10.89
Enterprise Value
 338.51M 286.72M 340.20M 367.35M 413.45M
EV to EBITDA
 10.03 7.84 304.02 16.25 10.89
EV to Sales
 2.51 2.11 3.35 3.54 4.83
EV to Free Cash Flow
 11.13 9.80 17.29 12.93 14.47
EV to Operating Cash Flow
 9.97 8.44 14.92 12.32 13.45
Tangible Book Value Per Share
 26.66 23.22 23.01 18.81 16.90
Shareholders’ Equity Per Share
 30.99 26.43 26.69 22.47 20.53
Tax and Other Ratios
Effective Tax Rate
 0.21 0.21 0.38 0.21 0.20
Revenue Per Share
 14.72 14.86 12.68 12.87 10.52
Net Income Per Share
 2.81 3.03 -0.02 2.08 3.59
Tax Burden
 0.79 0.79 0.62 0.79 0.80
Interest Burden
 0.99 0.99 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.18 0.23 0.27 0.24 0.26
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 <0.01 <0.01
Income Quality
 1.22 1.22 -142.54 1.78 1.05
Currency in USD