NORWOOD FINANCIAL CORP NWFL
Nasdaq · XNAS · stock · State Commercial Banks
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5/9
Piotroski F — financial health
—
Altman Z″ — distress risk
41.4%
Dividend payout · moderate
Financials (annual, from 10-K)
| FY | Revenue | Net income | Gross profit | Free cash flow | Equity |
|---|---|---|---|---|---|
| 2025 | $8.0M | $27.8M | — | $29.2M | $242.2M |
| 2024 | $7.4M | -$160,000 | — | $19.7M | $213.5M |
| 2023 | $7.1M | $16.8M | — | $28.4M | $181.1M |
| 2022 | $8.8M | $29.2M | — | $28.6M | $167.1M |
| 2021 | $7.0M | $24.9M | — | $27.9M | $205.3M |
| 2020 | $6.2M | $15.1M | — | $13.0M | $194.8M |
Recent insider activity (Form 4)
| Insider | Role | Date | Action | Shares | Price |
|---|---|---|---|---|---|
| Shook James | director | 2026-06-10 | Grant | 45 | $30.19 |
| PHILLIPS KENNETH A | director | 2026-06-10 | Grant | 45 | $30.19 |
| Nolan Alexandra K | director | 2026-06-10 | Grant | 45 | $30.19 |
| Nacinovich Marissa S | director | 2026-06-10 | Grant | 45 | $30.19 |
| Matergia Ralph A | director | 2026-06-10 | Grant | 45 | $30.19 |
| Schmalzle Ronald R | director | 2026-06-10 | Grant | 45 | $30.19 |
| LAMONT KEVIN M | director | 2026-06-10 | Grant | 45 | $30.19 |
| Hungerford Meg L | director | 2026-06-10 | Grant | 45 | $30.19 |
Why these scores methodology →
Piotroski F-score: 5/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Source: SEC EDGAR filings · CIK 0001013272 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.