# Norwood Financial Corp (NWFL) · Edgar & Edgarette company card

> Norwood Financial (NWFL) grew revenue 8.1% in FY2025 to $8 million, equity 10.0% of assets, and dividend per share up 2 years running. Every figure is from the company’s own annual report filed with the SEC.

SEC CIK 1013272 · fiscal year ended 2025-12-31 · 5 audited years read · [page](https://www.pops4.com/boards/company/NWFL) · [JSON](https://www.pops4.com/boards/company/NWFL.json)

## Figures, as filed in the 10-K

| Measure | Value |
|---|---|
| Revenue | $8M |
| Revenue growth, 1 year | 8.1% |
| Revenue growth per year | 3.3% |
| Operating margin | — |
| Net margin | 347.0% |
| Operating cash flow | $34M |
| Capital spending | $5M |
| Free cash flow | $29M |
| Cash | $44M |
| Long-term debt | — |
| Total assets | $2.4B |
| Total equity | $242M |
| Equity ÷ assets | 10.0% |
| Return on equity | 11.5% |
| Dividend per share | $1.25 |
| Dividend years rising | 2 |

## Readings, computed from those figures

- Piotroski F: 6 of 9 (solid)
- Health Harbor boat: Sound ship · one warning sign · revenue is hard to predict: its 80% range is ±40%
- Cash Compass: Cash cow now · steady, with strong cash arriving today

## Edgarette's reading

Exposure: revenue $8.0M (FY2025). Experience: revenue up 8.1% on the year, up 3.3% a year over 4 years. Soundness: equity 10.0% of assets, return on equity 11.5%, payout 41.4% of profit, dividend per share up 2 years running. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $5.3M and $12.3M next year (method v4.1: its own 6-year record of growth weighed at 63% against under $50M filers; across 2019–2025, 69.0% landed inside, 83.4% on the one year the method never saw). In a shock year the stress range is $5.0M to $13.0M. A statistical range, not company guidance. Against peers (31 filers, $50M+ revenue, state commercial banks): growth 8.1% against 7.5%.

Range logged 2026-09-29, receipt 2e2ec631199007b4, status open. A statistical range, not company guidance.

## Health Watch, last 12 months

- Item 5.02 Director or officer change: 1, latest 2026-01-05 ([filing](https://www.sec.gov/Archives/edgar/data/1013272/000119312526001612/0001193125-26-001612-index.htm))

## Recent filings

- 8-K · filed 2026-10-27 · 2.02 Results of Operations and Financial Condition; 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1013272/000101327226000024/0001013272-26-000024-index.htm)
- 8-K · filed 2026-09-16 · 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1013272/000101327226000020/0001013272-26-000020-index.htm)
- 8-K · filed 2026-08-28 · 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1013272/000101327226000018/0001013272-26-000018-index.htm)
- 10-Q · filed 2026-08-07 · [filing](https://www.sec.gov/Archives/edgar/data/1013272/000101327226000016/0001013272-26-000016-index.htm)
- 8-K · filed 2026-07-27 · 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1013272/000101327226000014/0001013272-26-000014-index.htm)
- 8-K · filed 2026-07-22 · 2.02 Results of Operations and Financial Condition; 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1013272/000101327226000012/0001013272-26-000012-index.htm)

## Sources

- facts: https://data.sec.gov/api/xbrl/companyfacts/CIK0001013272.json
- filings: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1013272

## Cite

POPS4, Edgar & Edgarette: Norwood Financial Corp (NWFL) company card, from the company's own SEC filings, accessed 2026-11-04, https://www.pops4.com/boards/company/NWFL. CC BY 4.0. For a figure, add the filing URL under filings or sources.

DOI https://doi.org/10.5281/zenodo.23672509 · catalog https://www.pops4.com/boards/catalog.json · Figures as filed with the SEC. Card text CC BY 4.0, POPS4.

Reporting, not investment advice. No price targets and no trading recommendations.

Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.