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Norwood Financial NWFL Allowance For Loan And Lease Losses Adjustments

Allowance For Loan And Lease Losses Adjustments at other companies

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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$350.14M+45.8%
P/E13.6×-62.1×
P/S3.7×-0.3×

Profitability

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Net margin27.1%+24.9pp
FCF margin28%-15.4pp

Returns & leverage

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

Where this comes from

Reported directly by Norwood Financial in its filing.

Tagged under the XBRL concept nwfl:AllowanceForLoanAndLeaseLossesAdjustments.

The official record: Norwood Financial’s 10-K, filed March 13, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Norwood Financial's allowance for loan and lease losses adjustments?
Norwood Financial (NWFL) reported allowance for loan and lease losses adjustments of $9.75K in Q4 2025.
How has Norwood Financial's allowance for loan and lease losses adjustments changed year-over-year?
Norwood Financial's allowance for loan and lease losses adjustments decreased by 95.5% year-over-year, from $218.75K to $9.75K.
What is the long-term trend for Norwood Financial's allowance for loan and lease losses adjustments?
Over 2 years (2023 to 2025), Norwood Financial's allowance for loan and lease losses adjustments has grown at a -85.9% compound annual growth rate (CAGR), from $1.97M to $39K.
What does allowance for loan and lease losses adjustments mean?
Reflects periodic adjustments made to the allowance for loan and lease losses account, excluding standard provision expenses. These adjustments often capture reclassifications, specific portfolio revaluations, or accounting corrections related to credit risk reserves. Monitoring these adjustments helps investors understand non-recurring changes to the bank's credit loss estimation methodology.