Norwood Financial (NWFL) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Norwood Financial had a P/E ratio of 9.31, return on equity of 12.2% (up from -0.1%), debt-to-equity of 0.32 (down from 1.03) and return on assets of 1.2% (up from 0.00%). Its dividend yield was 4.60% with a payout ratio of 41.4%.

Norwood Financial Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	9.31	-	15.77	9.26	8.49	14.17
Forward P/E	8.40	-	-	-	-	-
P/S Ratio	3.00	5.17	4.09	3.50	3.05	4.05
P/B Ratio	1.07	1.17	1.46	1.62	1.03	1.10
Price/Tangible Book	1.22	1.36	1.74	1.97	1.21	1.29
Price/FCF	8.84	12.72	9.30	9.47	7.57	16.38
Price/OCF	7.61	10.97	8.86	8.81	7.25	15.49
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	12.18%	-0.08%	9.63%	15.70%	12.46%	9.08%
Return on Assets (ROA)	1.17%	-0.01%	0.79%	1.42%	1.27%	0.98%
Leverage & Solvency Ratios
Debt/Equity	0.32	1.03	1.12	0.83	0.47	0.57
Debt/FCF	2.68	11.18	7.16	4.86	3.42	8.51
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	10.74%	-0.06%	6.34%	10.80%	11.78%	7.06%
FCF Yield	11.31%	7.86%	10.75%	10.56%	13.21%	6.11%
Dividend Yield	4.60%	4.83%	4.03%	3.99%	5.02%	4.84%
Payout Ratio	41.39%	-	56.19%	31.33%	34.27%	48.16%
Buyback Yield	-14.11%	-0.11%	1.14%	0.27%	-13.40%	-14.18%
Total Return	-9.51%	4.72%	5.17%	4.26%	-8.38%	-9.34%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Norwood Financial Financial Ratios

What is Norwood Financial's P/E ratio?

Norwood Financial's P/E ratio was 9.31 for fiscal 2025 (period ended Dec 31, 2025).

What is Norwood Financial's return on equity?

Norwood Financial's return on equity (ROE) was 12.2% for fiscal 2025 (period ended Dec 31, 2025). It was -0.1% a year earlier.

What is Norwood Financial's debt-to-equity ratio?

Norwood Financial's debt-to-equity ratio was 0.32 for fiscal 2025 (period ended Dec 31, 2025). It was 1.03 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition