Norwood Financial Corp (NWFL) — Cash Flow Quality Index
Norwood Financial Corp (NWFL) has a Cash Flow Quality Index of 1.12x as of September 2025. Operating cash flow of $9.34 Million exceeds net income of $8.34 Million, indicating high earnings quality where cash backs reported profits. Explore NWFL operating cash flow to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Norwood Financial Corp Cash Flow Quality Index (1995–2023)
Historical Cash Flow Quality Index for Norwood Financial Corp across 29 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check Norwood Financial Corp investment reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Norwood Financial Corp (1995–2023)
Year-by-year earnings quality comparison for Norwood Financial Corp. For live market cap and the full company financial profile, see Norwood Financial Corp market capitalisation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2023 | 1.78x | $29.82 Million | $16.76 Million | ▲ +69.3% |
| 2022 | 1.05x | $30.73 Million | $29.23 Million | ▼ -10.3% |
| 2021 | 1.17x | $29.20 Million | $24.91 Million | ▲ +28.1% |
| 2020 | 0.91x | $13.80 Million | $15.08 Million | ▼ -29.5% |
| 2019 | 1.30x | $18.44 Million | $14.21 Million | ▲ +2.4% |
| 2018 | 1.27x | $17.30 Million | $13.65 Million | ▼ -35.3% |
| 2017 | 1.96x | $16.05 Million | $8.20 Million | ▲ +15.5% |
| 2016 | 1.70x | $11.38 Million | $6.71 Million | ▼ -4.6% |
| 2015 | 1.78x | $10.50 Million | $5.91 Million | ▲ +29.2% |
| 2014 | 1.38x | $10.53 Million | $7.66 Million | ▼ -8.3% |
| 2013 | 1.50x | $12.69 Million | $8.46 Million | ▲ +10.9% |
| 2012 | 1.35x | $11.36 Million | $8.40 Million | ▼ -7.9% |
| 2011 | 1.47x | $10.79 Million | $7.36 Million | ▲ +25.0% |
| 2010 | 1.17x | $8.58 Million | $7.31 Million | ▲ +38.0% |
| 2009 | 0.85x | $6.00 Million | $7.06 Million | ▼ -20.6% |
| 2008 | 1.07x | $7.15 Million | $6.68 Million | ▲ +88.0% |
| 2007 | 0.57x | $3.71 Million | $6.51 Million | ▼ -73.6% |
| 2006 | 2.16x | $12.77 Million | $5.91 Million | ▲ +70.7% |
| 2005 | 1.27x | $6.96 Million | $5.50 Million | ▼ -10.1% |
| 2004 | 1.41x | $7.06 Million | $5.01 Million | ▲ +0.8% |
| 2003 | 1.40x | $6.50 Million | $4.65 Million | ▲ +16.9% |
| 2002 | 1.19x | $5.20 Million | $4.35 Million | ▲ +3.5% |
| 2001 | 1.15x | $4.85 Million | $4.20 Million | ▼ -26.1% |
| 2000 | 1.56x | $6.03 Million | $3.86 Million | ▲ +3.2% |
| 1999 | 1.51x | $5.30 Million | $3.50 Million | ▼ -29.8% |
| 1998 | 2.16x | $6.90 Million | $3.20 Million | ▼ -10.4% |
| 1997 | 2.41x | $6.50 Million | $2.70 Million | ▲ +9.5% |
| 1996 | 2.20x | $4.11 Million | $1.87 Million | ▼ -49.4% |
| 1995 | 4.34x | $7.82 Million | $1.80 Million | — |