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Norwood Financial NWFL Retained Earnings

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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$371.74M+67.1%
P/E14.5×-55.7×
P/S3.9×+0.2×

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:RetainedEarningsAccumulatedDeficit.

The source filing: Norwood Financial’s 10-Q, filed May 8, 2026.

Filed
May 8, 2026, 8:55 AM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001013272-26-000005
Line itemMarch 31, 2026December 31, 2025
authorized: 20,000,000 shares,
issued: 2026: 11,181,491 shares, 2025: 9,516,503 shares1,118952
Surplus174,078127,426
Retained earnings140,843141,130
Treasury stock at cost: 2026: 291,325 shares; 2025: 222,645 shares(7,970)(6,008)
Accumulated other comprehensive loss(24,131)(21,343)
TOTAL STOCKHOLDERS’ EQUITY283,938242,157
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY$2,917,254$2,424,842

Item 1. Financial Statements Item 1. Financial Statements (unaudited)

FAQ

What is Norwood Financial's retained earnings?
Norwood Financial (NWFL) reported retained earnings of $140.84M in Q1 2026.
How has Norwood Financial's retained earnings changed year-over-year?
Norwood Financial's retained earnings increased by 10.1% year-over-year, from $127.87M to $140.84M.
What is the long-term trend for Norwood Financial's retained earnings?
Over 5 years (2020 to 2025), Norwood Financial's retained earnings has grown at a 8.5% compound annual growth rate (CAGR), from $93.8M to $141.13M.
What does retained earnings mean?
Cumulative net income earned since inception minus all dividends paid — the total profits reinvested in the business over its lifetime.

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