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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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152 Followers

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 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	155.21	155.21	0.24	0.25	0.25
Quick Ratio	155.21	155.21	0.24	0.25	0.25
Cash Ratio	2.18	2.18	0.04	0.03	0.02
Solvency Ratio	0.01	0.01	<0.01	<0.01	0.02
Operating Cash Flow Ratio	2.31	2.31	0.01	0.02	0.02
Short-Term Operating Cash Flow Coverage	2.31	2.31	0.17	0.30	0.23
Net Current Asset Value	$ 101.00M	$ 101.00M	$ -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	0.23	0.23	0.48	0.48	0.51
Long-Term Debt-to-Capital Ratio	0.20	0.20	0.22	0.28	0.19
Financial Leverage Ratio	10.01	10.01	10.85	12.16	12.25
Debt Service Coverage Ratio	0.47	0.47	<0.01	0.14	0.22
Interest Coverage Ratio	0.74	0.74	>-0.01	0.63	5.01
Debt to Market Cap	0.29	0.29	0.90	0.63	0.64
Interest Debt Per Share	13.35	13.35	30.66	25.04	22.18
Net Debt to EBITDA	1.15	1.15	109.49	4.52	3.72
Profitability Margins
Gross Profit Margin	63.63%	63.63%	47.69%	62.36%	90.46%
EBIT Margin	26.07%	26.07%	-0.25%	20.40%	42.51%
EBITDA Margin	26.85%	26.85%	1.10%	21.81%	44.34%
Operating Profit Margin	26.07%	26.07%	-0.25%	20.40%	42.51%
Pretax Profit Margin	25.72%	25.72%	-0.25%	20.40%	42.51%
Net Profit Margin	20.39%	20.39%	-0.16%	16.17%	34.15%
Continuous Operations Profit Margin	20.39%	20.39%	-0.16%	16.17%	34.15%
Net Income Per EBT	79.25%	79.25%	62.02%	79.25%	80.34%
EBT Per EBIT	98.68%	98.68%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.14%	1.14%	>-0.01%	0.76%	1.43%
Return on Equity (ROE)	12.03%	11.46%	-0.07%	9.26%	17.50%
Return on Capital Employed (ROCE)	1.47%	1.47%	-0.08%	7.12%	19.83%
Return on Invested Capital (ROIC)	1.20%	1.20%	-0.04%	4.24%	9.23%
Return on Tangible Assets	1.16%	1.16%	>-0.01%	0.77%	1.45%
Earnings Yield	10.87%	10.80%	-0.07%	6.32%	10.74%
Efficiency Ratios
Receivables Turnover	0.07	0.07	11.98	12.76	12.38
Payables Turnover	0.00	0.00	4.21	3.71	3.08
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	5.93	5.93	5.16	5.81	4.78
Asset Turnover	0.06	0.06	0.04	0.05	0.04
Working Capital Turnover Ratio	0.68	0.37	-0.07	-0.07	-0.07
Cash Conversion Cycle	4.94K	4.94K	-56.31	-69.71	-89.04
Days of Sales Outstanding	4.94K	4.94K	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	0.00	86.78	98.31	118.54
Operating Cycle	4.94K	4.94K	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	3.16	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	0.85	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	0.46	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	11.75%	11.25%	9.04%	10.72%	10.50%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.23	9.26	-1.36K	15.82	9.31
Price-to-Sales (P/S) Ratio	1.91	1.89	2.15	2.56	3.18
Price-to-Book (P/B) Ratio	1.06	1.06	1.02	1.46	1.63
Price-to-Free Cash Flow (P/FCF) Ratio	8.54	8.89	11.06	9.33	9.52
Price-to-Operating Cash Flow Ratio	7.54	7.57	9.54	8.89	8.85
Price-to-Earnings Growth (PEG) Ratio	0.03	>-0.01	13.48	-0.38	0.53
Price-to-Fair Value	1.06	1.06	1.02	1.46	1.63
Enterprise Value Multiple	8.25	8.18	304.02	16.25	10.89
Enterprise Value	301.03M	299.04M	340.20M	367.35M	413.45M
EV to EBITDA	8.23	8.18	304.02	16.25	10.89
EV to Sales	2.21	2.20	3.35	3.54	4.83
EV to Free Cash Flow	9.89	10.34	17.29	12.93	14.47
EV to Operating Cash Flow	8.86	8.80	14.92	12.32	13.45
Tangible Book Value Per Share	23.22	23.22	23.01	18.81	16.90
Shareholders’ Equity Per Share	26.43	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	14.86	14.86	12.68	12.87	10.52
Net Income Per Share	3.03	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	0.23	0.23	0.26	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