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Norwood Financial NWFL Regulatory Capital Requirement

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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$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 us-gaap:CapitalRequiredForCapitalAdequacy.

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 regulatory capital requirement?
Norwood Financial (NWFL) reported regulatory capital requirement of $151.42M in Q4 2025.
How has Norwood Financial's regulatory capital requirement changed year-over-year?
Norwood Financial's regulatory capital requirement increased by 7.4% year-over-year, from $140.94M to $151.42M.
What is the long-term trend for Norwood Financial's regulatory capital requirement?
Over 5 years (2020 to 2025), Norwood Financial's regulatory capital requirement has grown at a 6.8% compound annual growth rate (CAGR), from $109.12M to $151.42M.
What does regulatory capital requirement mean?
This metric represents the minimum level of capital that a financial institution must hold to comply with regulatory standards and ensure operational solvency. It is a critical benchmark for assessing the bank's ability to withstand financial shocks and maintain regulatory compliance.