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STOCKS

Norwood Financial (NWFL)

NASDAQ:NWFL

NWFL

Norwood Financial

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Norwood Financial (NWFL) Ratios

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151 Followers

Norwood Financial Ratios

NWFL's free cash flow for Q3 2025 was $-1.44. For the 2025 fiscal year, NWFL's free cash flow was decreased by $ and operating cash flow was $0.81. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	0.25	10.19	9.99	5.31
Quick Ratio	0.00	0.25	11.06	13.44	7.14
Cash Ratio	0.00	0.03	0.71	3.33	1.72
Solvency Ratio	<0.01	<0.01	0.02	0.01	<0.01
Operating Cash Flow Ratio	0.00	0.02	0.68	0.47	0.21
Short-Term Operating Cash Flow Coverage	0.00	0.30	0.00	0.48	0.22
Net Current Asset Value	$ 72.06M	$ -1.54B	$ -1.42B	$ -1.24B	$ -1.31B
Leverage Ratios
Debt-to-Assets Ratio	0.00	0.08	0.04	0.04	0.06
Debt-to-Equity Ratio	0.00	0.93	0.49	0.44	0.54
Debt-to-Capital Ratio	0.00	0.48	0.33	0.31	0.35
Long-Term Debt-to-Capital Ratio	0.00	0.28	0.19	0.13	0.18
Financial Leverage Ratio	10.27	12.16	12.25	10.08	9.51
Debt Service Coverage Ratio	0.40	0.14	4.24	0.40	0.23
Interest Coverage Ratio	-0.33	0.63	6.01	5.36	2.30
Debt to Market Cap	0.00	0.63	0.15	0.43	0.56
Interest Debt Per Share	5.34	25.04	11.00	11.81	15.79
Net Debt to EBITDA	-2.33	4.52	1.33	-3.57	-0.30
Profitability Margins
Gross Profit Margin	-2.51%	62.44%	100.00%	100.00%	100.00%
EBIT Margin	20.25%	20.42%	46.45%	41.91%	31.53%
EBITDA Margin	20.56%	21.83%	48.46%	44.09%	33.99%
Operating Profit Margin	-15.25%	20.42%	55.73%	41.91%	31.53%
Pretax Profit Margin	9.11%	20.42%	46.45%	41.91%	31.53%
Net Profit Margin	7.28%	16.19%	37.32%	33.83%	25.89%
Continuous Operations Profit Margin	7.28%	16.19%	37.32%	33.83%	25.89%
Net Income Per EBT	79.86%	79.25%	80.34%	80.74%	82.11%
EBT Per EBIT	-59.75%	100.00%	83.35%	100.00%	100.00%
Return on Assets (ROA)	0.32%	0.76%	1.43%	1.20%	0.81%
Return on Equity (ROE)	3.43%	9.26%	17.50%	12.14%	7.74%
Return on Capital Employed (ROCE)	-0.67%	7.12%	2.18%	1.54%	1.03%
Return on Invested Capital (ROIC)	-0.56%	4.24%	3.99%	2.32%	2.44%
Return on Tangible Assets	0.32%	0.77%	1.45%	1.22%	0.83%
Earnings Yield	3.06%	6.32%	10.74%	11.72%	8.00%
Efficiency Ratios
Receivables Turnover	0.06	12.75	11.32	12.50	9.35
Payables Turnover	0.00	3.71	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	4.72	5.80	4.37	4.26	3.27
Asset Turnover	0.04	0.05	0.04	0.04	0.03
Working Capital Turnover Ratio	0.05	-0.07	0.16	0.18	0.26
Cash Conversion Cycle	6.22K	-69.67	32.23	29.19	39.05
Days of Sales Outstanding	6.22K	28.64	32.23	29.19	39.05
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	98.31	0.00	0.00	0.00
Operating Cycle	6.22K	28.64	32.23	29.19	39.05
Cash Flow Ratios
Operating Cash Flow Per Share	2.76	3.70	3.78	3.57	1.92
Free Cash Flow Per Share	2.25	3.53	3.51	3.42	1.81
CapEx Per Share	0.51	0.18	0.26	0.15	0.10
Free Cash Flow to Operating Cash Flow	0.82	0.95	0.93	0.96	0.95
Dividend Paid and CapEx Coverage Ratio	1.66	2.75	2.72	2.98	1.72
Capital Expenditure Coverage Ratio	5.44	21.12	14.27	23.21	18.42
Operating Cash Flow Coverage Ratio	0.00	0.18	0.37	0.32	0.13
Operating Cash Flow to Sales Ratio	0.24	0.29	0.39	0.40	0.24
Free Cash Flow Yield	8.17%	10.72%	10.50%	13.15%	6.92%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	32.64	15.82	9.31	8.53	12.50
Price-to-Sales (P/S) Ratio	2.40	2.56	3.47	2.89	3.24
Price-to-Book (P/B) Ratio	1.06	1.46	1.63	1.04	0.97
Price-to-Free Cash Flow (P/FCF) Ratio	12.24	9.33	9.52	7.61	14.45
Price-to-Operating Cash Flow Ratio	9.88	8.89	8.85	7.28	13.66
Price-to-Earnings Growth (PEG) Ratio	-0.04	-0.38	0.53	0.19	-1.58
Price-to-Fair Value	1.06	1.46	1.63	1.04	0.97
Enterprise Value Multiple	9.35	16.25	8.50	2.98	9.22
Enterprise Value	202.47M	367.35M	322.50M	96.69M	182.57M
EV to EBITDA	9.35	16.25	8.50	2.98	9.22
EV to Sales	1.92	3.55	4.12	1.31	3.13
EV to Free Cash Flow	9.80	12.93	11.28	3.46	13.99
EV to Operating Cash Flow	8.00	12.32	10.49	3.31	13.23
Tangible Book Value Per Share	25.64	18.81	16.90	21.47	22.90
Shareholders’ Equity Per Share	25.64	22.47	20.53	25.10	27.04
Tax and Other Ratios
Effective Tax Rate	0.20	0.21	0.20	0.19	0.18
Revenue Per Share	11.49	12.85	9.63	9.00	8.09
Net Income Per Share	0.84	2.08	3.59	3.05	2.09
Tax Burden	0.80	0.79	0.80	0.81	0.82
Interest Burden	0.45	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.28	0.24	0.29	0.32	0.34
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	7.98	1.78	1.05	1.17	0.91

Currency in USD

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