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 long-term investment intensity of Norwood Financial Corp to see how much of total assets are deployed in long-term investments.
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 tangible book value ratio to evaluate the tangible quality of the company's equity base.
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 cap and net worth.
| 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 | — |