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Total debt at other companies

Citizens & Northern logo
Citizens & NorthernCZNC
$13.59M+2,280%
Midland States Bancorp logo
Midland States BancorpMSBI
$162.41M+220%
First Community Corporation logo
First Community CorporationFCCO
$2.57M-0.5%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$198.74M-34.2%
M&T Bank logo
M&T BankMTB
PNC Financial Services logo
PNC Financial ServicesPNC

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 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

Calculated from Norwood Financial’s reported figures.

Plus components not separately reported this period.

The official record: Norwood Financial’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Norwood Financial's total debt?
Norwood Financial (NWFL) reported total debt of $18.12M in Q4 2025.
How has Norwood Financial's total debt changed year-over-year?
Norwood Financial's total debt decreased by 91.7% year-over-year, from $219.18M to $18.12M.
What is the long-term trend for Norwood Financial's total debt?
Over 5 years (2020 to 2025), Norwood Financial's total debt has grown at a -30.5% compound annual growth rate (CAGR), from $111.74M to $18.12M.
What does total debt mean?
Total debt represents the aggregate sum of all interest-bearing financial obligations, including short-term borrowings, the current portion of long-term debt, and long-term debt instruments. It also encompasses capitalized lease liabilities and other debt-like financing arrangements that require fixed repayment schedules. This metric serves as a comprehensive indicator of a company's total financial leverage and its reliance on external capital providers.