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Norwood Financial NWFL Free cash flow margin

Free cash flow margin at other companies

M&T Bank logo
M&T BankMTB
32.2%-5.2pp
Citizens & Northern logo
Citizens & NorthernCZNC
28.3%+3.5pp
Midland States Bancorp logo
Midland States BancorpMSBI
37%-5.4pp
First Community Corporation logo
First Community CorporationFCCO
11.1%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
37%+8.8pp
Stock Yards Bancorp logo
Stock Yards BancorpSYBT
35.8%-1.5pp

Other financials

Income statement

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Revenue$27.3M+34.9%
Net income$3.7M-35.4%
EPS (diluted)$0.35-44.4%

Balance sheet

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Cash & equivalents$102.6M+36.0%
Total debt$18.1M-91.7%
Total equity$283.9M+28.6%
Total assets$2.9B+22.8%

Cash flow

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Operating cash flow$6.0M-34.1%
CapEx$455.0K-51.2%
Free cash flow$5.5M-32.1%

Valuation

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Market cap$339.57M+44.4%
P/E13.2×-186×
P/S3.6×-0.7×

Profitability

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Net margin27.1%+24.9pp

Returns & leverage

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Return on equity10.2%+9.6pp
Debt / equity0.1×-1.0×

Where this comes from

Calculated from Norwood Financial’s reported figures.

Based on trailing twelve months.

The official record: Norwood Financial’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Norwood Financial's free cash flow margin?
Norwood Financial (NWFL) reported free cash flow margin of 28% in Q1 2026.
How has Norwood Financial's free cash flow margin changed year-over-year?
Norwood Financial's free cash flow margin decreased by 35.5% year-over-year, from 43.5% to 28%.
What is the long-term trend for Norwood Financial's free cash flow margin?
Over 4 years (2021 to 2025), Norwood Financial's free cash flow margin has grown at a -3.2% compound annual growth rate (CAGR), from 37.9% to 33.3%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.