Norwood Financial Corp (NWFL) — Cash Flow Quality Index
Norwood Financial Corp (NWFL) has a Cash Flow Quality Index of 0.95x as of June 2026. Operating cash flow of $8.91 Million is below net income of $9.33 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore cash flow to debt ratio of Norwood Financial Corp to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Norwood Financial Corp Cash Flow Quality Index (1995–2025)
Historical Cash Flow Quality Index for Norwood Financial Corp across 30 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Norwood Financial Corp (NWFL) cash flow conversion.
Annual Cash Flow Quality Index for Norwood Financial Corp (1995–2025)
Year-by-year earnings quality comparison for Norwood Financial Corp.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.22x | $33.97 Million | $27.75 Million | ▼ -31.2% |
| 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 | — |