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Norwood Financial NWFL Capital Conservation Buffer

Capital Conservation Buffer at other companies

NewtekOne, Inc. logo
NewtekOne, Inc.NEWT
$0.080.0%
NEC
Northeast Community BancorpNECB
8%0.0pp
OceanFirst Financial logo
OceanFirst FinancialOCFC
$0.110.0%
Orange County Bancorp logo
Orange County BancorpOBT
8%0.0pp
Tompkins Financial logo
Tompkins FinancialTMP
$0.110.0%
ESQ
Esquire Financial Holdings, Inc.ESQ
8%0.0pp

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?
This is the mandatory capital buffer held by the bank above the minimum regulatory capital requirements to absorb losses during periods of financial stress. It acts as a cushion to ensure the institution maintains sufficient capital to continue operations during economic downturns. A higher buffer indicates a more conservative capital management strategy.