Norwood Financial Corp.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Norwood Financial Corp.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 88% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 88% of Financial Services companies in United States.
Growth Efficiency Ratio
−$15Sales grew 12% in 3 years, but profit fell: $15 less profit per $100 of extra sales.
Lower than 84% of Financial Services companies in United States.
Asset Productivity Ratio
+12% / +18%In 3 years sales changed by +12% while total assets changed by +18%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 65% of Financial Services companies in United States.
Tangible Net Worth Ratio
88%Of every $100 of net worth, $88 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 59% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Norwood Financial Corp. owes $0.90 for every $1 it owns. Norwood Financial Corp. returned to profit in the year to Dec 2025, after a loss the year before.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
12.0Investors pay $12.0 for every $1 of Norwood Financial Corp.'s yearly profit, lower than 58% of Financial Services companies in United States.
P/B ratio
1.30The share price is 1.30 times Norwood Financial Corp.'s book value per share, higher than 52% of Financial Services companies in United States.
Market cap
$377 MThe total market value of all of Norwood Financial Corp.'s shares at today's price (share price × number of shares), smaller than 65% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$290 MWhat Norwood Financial Corp. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$26.57Net worth divided by the number of shares. The share price of $34.57 is 1.3 times this, which is the P/B above.
Return on equity (ROE)
11.2%Norwood Financial Corp. earned 11.2% on its shareholders' money over the last year, higher than 55% of Financial Services companies in United States.
Owes vs Owns
0.90×Norwood Financial Corp. owes $0.90 for every $1 it owns (high), higher than 81% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
3.80%Norwood Financial Corp. pays 3.80% of its share price as dividends a year, higher than 66% of dividend-paying Financial Services companies in United States.
Revenue growth
+72%Revenue rose 72% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Profit growth
Back to profitNorwood Financial Corp. returned to profit in the year to Dec 2025, after a loss the year before.
Profit margin
31.6%Norwood Financial Corp. keeps $32 of every $100 of revenue as net profit.
Questions
What is Norwood Financial Corp.'s P/E ratio?
Investors pay $12.0 for every $1 of Norwood Financial Corp.'s yearly profit, lower than 58% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Norwood Financial Corp.: $377 M ÷ $290 M (30 Jun 2026) = 1.3.
What is Norwood Financial Corp.'s return on equity?
Norwood Financial Corp. earned 11.2% on its shareholders' money over the last year, higher than 55% of Financial Services companies in United States.
How much does Norwood Financial Corp. owe compared with what it owns?
Norwood Financial Corp. owes $0.90 for every $1 it owns (high), higher than 81% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Norwood Financial Corp. pay a dividend?
Yes. Norwood Financial Corp. pays 3.80% of its share price as dividends a year, higher than 66% of dividend-paying Financial Services companies in United States.
Is Norwood Financial Corp.'s revenue growing?
Revenue rose 72% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.