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Norwood Financial Corp (NWFL)

Norwood Financial Corp (NWFL)
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Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services. It accepts a range of deposit products, such as interest-bearing and noninterest-bearing transaction accounts, statement savings and money market accounts, and certificate of deposits. The company also offers various loans, which include commercial loans comprising lines of credit, revolving credit, term loans, mortgages, secured lending products, and letter of credit facilities; construction loans for commercial construction projects and single-family residences; land loans; consumer loans; mortgage lending to finance principal residences and second home dwellings; and indirect dealer financing of new and used automobiles, boats, and recreational vehicles. Further, the company is involved in annuity and mutual fund sales; and discount brokerage activities, as well as operates as an insurance agency. It serves consumers, businesses, nonprofit organizations, and municipalities.

Fiscal Year End Date: 12/31

(Values in U.S. Thousands) Sep, 2025 Jun, 2025 Mar, 2025 Dec, 2024 Sep, 2024
Sales 34,700 33,450 32,440 11,830 30,780
Sales Growth +3.74% +3.11% +174.22% -61.57% +3.01%
Net Income 8,330 6,210 5,770 -12,650 3,840
Net Income Growth +34.14% +7.63% +145.61% -429.43% -8.79%
(Values in U.S. Thousands) Sep, 2025 Jun, 2025 Mar, 2025 Dec, 2024 Sep, 2024
Total Assets 2,411,950 2,365,350 2,376,040 2,317,460 2,279,750
Total Assets Growth +1.97% -0.45% +2.53% +1.65% +1.99%
Total Liabilities 2,177,050 2,139,930 2,155,340 2,103,950 2,084,100
Total Liabilities Growth +1.73% -0.72% +2.44% +0.95% +1.51%
(Values in U.S. Thousands) Sep, 2025 Jun, 2025 Mar, 2025 Dec, 2024 Sep, 2024
Operating Cash Flow 25,190 15,850 9,100 22,810 18,000
Operating Cash Flow Growth +58.93% +74.18% -60.11% +26.72% +34.73%
Net Cash Flow 2,390 -19,290 3,070 6,220 16,760
Change in Net Cash Flow +112.39% -728.34% -50.64% -62.89% +410.98%
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