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Norwood Financial NWFL Capital Conservation Buffer

Capital Conservation Buffer at other companies

GBC
Glacier BancorpGBCI
$0.080.0%
NewtekOne, Inc. logo
NewtekOne, Inc.NEWT
$0.080.0%
Banner Corporation logo
Banner CorporationBANR
$0.080.0%
ESQ
Esquire Financial Holdings, Inc.ESQ
8%0.0pp
Orange County Bancorp logo
Orange County BancorpOBT
8%0.0pp
Tompkins Financial logo
Tompkins FinancialTMP
$0.110.0%

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
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:CapitalConservationBuffer.

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 capital conservation buffer?
Norwood Financial (NWFL) reported capital conservation buffer of 2.5% in Q4 2025.
How has Norwood Financial's capital conservation buffer changed year-over-year?
Norwood Financial's capital conservation buffer decreased by 0.0% year-over-year, from 2.5% to 2.5%.
What does capital conservation buffer mean?
Measures the additional capital held by the bank above the minimum regulatory requirements to absorb losses during periods of financial stress. A robust buffer indicates higher financial stability and a greater capacity to withstand economic downturns.