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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
31.4%+7.0pp
FRA
Franklin Financial Services CorporationFRAF
27.7%+0.7pp
Finward Bancorp logo
Finward BancorpFNWD
24.3%+18.7pp
First Community Corporation logo
First Community CorporationFCCO
11.1%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
37%+8.8pp

Other financials

Income statement

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Revenue$29.4M+37.8%
Net income$9.3M+50.3%
EPS (diluted)$0.86+28.4%

Balance sheet

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Cash & equivalents$60.3M+13.7%
Total debt$18.1M-91.7%
Total equity$289.6M+28.5%
Total assets$2.9B+22.9%

Cash flow

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Operating cash flow$8.9M+31.8%
CapEx$498.0K-70.3%
Free cash flow$8.4M+65.6%

Valuation

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Market cap$366.53M+62.8%
P/E12.7×-58.3×
P/S3.6×-0.2×

Profitability

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Net margin28%+22.7pp

Returns & leverage

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Return on equity11.2%+9.6pp
Debt / equity0.1×-1.0×

Where this comes from

Calculated from Norwood Financial’s reported figures.

Based on trailing twelve months.

The source filing: Norwood Financial’s 10-Q, filed August 7, 2026. Open the filing →

Filed
Aug 7, 2026, 9:45 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001013272-26-000016

FAQ

What is Norwood Financial's free cash flow margin?
Norwood Financial (NWFL) reported free cash flow margin of 29.1% in Q2 2026.
How has Norwood Financial's free cash flow margin changed year-over-year?
Norwood Financial's free cash flow margin decreased by 15.9% year-over-year, from 34.6% to 29.1%.
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.

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