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Norwood Financial NWFL Shortterm Debt Average Outstanding Amount

Shortterm Debt Average Outstanding Amount at other companies

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SB Financial Group logo
SB Financial GroupSBFG
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$10M
Norwood Financial logo
Norwood FinancialNWFL
$4.54M-66.9%
Norwood Financial logo
Norwood FinancialNWFL
$4.54M-66.9%

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$370.43M+66.0%
P/E12.9×-57.5×
P/S3.6×-0.1×

Profitability

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Net margin28%+22.7pp
FCF margin29.1%-5.5pp

Returns & leverage

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

Where this comes from

Reported directly by Norwood Financial in its filing.

Tagged under the XBRL concept us-gaap:ShorttermDebtAverageOutstandingAmount.

The source filing: Norwood Financial’s 10-K, filed March 13, 2026.

Filed
Mar 13, 2026, 9:15 AM EDT
Fiscal year
FY2025
Accession
0001013272-26-000003
Line itemYears Ended December 31, 2025Years Ended December 31, 2024
Average balance during the year$18,173$54,867
Average interest rate during the year4.39%2.48%
Maximum month-end balance during the year$99,513$113,069
Total short-term borrowings at end of the year$14,714$113,069
Weighted average interest rate at the end of the year3.93%3.79%

Item 8. Financial Statements and Supplementary Data.

FAQ

What is Norwood Financial's shortterm debt average outstanding amount?
Norwood Financial (NWFL) reported shortterm debt average outstanding amount of $4.54M in Q4 2025.
How has Norwood Financial's shortterm debt average outstanding amount changed year-over-year?
Norwood Financial's shortterm debt average outstanding amount decreased by 66.9% year-over-year, from $13.72M to $4.54M.
What is the long-term trend for Norwood Financial's shortterm debt average outstanding amount?
Over 4 years (2021 to 2025), Norwood Financial's shortterm debt average outstanding amount has grown at a -29.6% compound annual growth rate (CAGR), from $73.81M to $18.17M.
What does shortterm debt average outstanding amount mean?
Shortterm Debt Average Outstanding Amount as reported by Norwood Financial Corp.

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