Norwood Financial Corp (NWFL) — Cash Flow Reinvestment Rate
Norwood Financial Corp (NWFL) has a Cash Flow Reinvestment Rate of 2.54x as of September 2025, reinvesting $23.76 Million (capex $2.61 Million plus investments $-21.15 Million) from operating cash flow of $9.34 Million. Check Norwood Financial Corp cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
Norwood Financial Corp Cash Flow Reinvestment Rate (1995–2024)
Historical reinvestment intensity for Norwood Financial Corp across 30 annual periods. Explore NWFL strategic capital deployment ratio to see how much of total assets are deployed in long-term investments.
Annual Cash Flow Reinvestment Rate for Norwood Financial Corp (1995–2024)
Year-by-year capital reinvestment analysis for Norwood Financial Corp. For live market cap and broader valuation context, see NWFL market cap overview.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2024 | 5.19x | $118.33 Million | $22.81 Million | $3.13 Million | ▲ +1.0% |
| 2023 | 5.14x | $153.22 Million | $29.82 Million | $1.41 Million | ▼ -23.9% |
| 2022 | 6.75x | $207.58 Million | $30.73 Million | $2.15 Million | ▲ +49.5% |
| 2021 | 4.52x | $131.92 Million | $29.20 Million | $1.26 Million | ▼ -19.2% |
| 2020 | 5.59x | $77.17 Million | $13.80 Million | $749.00K | ▲ +154.1% |
| 2019 | 2.20x | $40.58 Million | $18.44 Million | $1.62 Million | ▼ -31.5% |
| 2018 | 3.22x | $55.61 Million | $17.30 Million | $873.00K | ▲ +59.0% |
| 2017 | 2.02x | $32.45 Million | $16.05 Million | $1.63 Million | ▲ +256.1% |
| 2016 | 0.57x | $6.46 Million | $11.38 Million | $511.00K | ▼ -88.2% |
| 2015 | 4.82x | $50.55 Million | $10.50 Million | $290.00K | ▲ +1181.6% |
| 2014 | 0.38x | $3.96 Million | $10.53 Million | $193.00K | ▼ -90.7% |
| 2013 | 4.04x | $51.25 Million | $12.69 Million | $393.00K | ▲ +159.7% |
| 2012 | 1.56x | $17.67 Million | $11.36 Million | $417.00K | ▼ -35.7% |
| 2011 | 2.42x | $26.09 Million | $10.79 Million | $175.00K | ▲ +11486.9% |
| 2010 | 0.02x | $179.00K | $8.58 Million | $179.00K | ▼ -49.5% |
| 2009 | 0.04x | $248.00K | $6.00 Million | $248.00K | ▼ -9.1% |
| 2008 | 0.05x | $325.00K | $7.15 Million | $325.00K | ▼ -41.3% |
| 2007 | 0.08x | $287.00K | $3.71 Million | $287.00K | ▼ -7.3% |
| 2006 | 0.08x | $1.07 Million | $12.77 Million | $1.07 Million | ▲ +30.3% |
| 2005 | 0.06x | $446.00K | $6.96 Million | $446.00K | ▲ +1.6% |
| 2004 | 0.06x | $445.00K | $7.06 Million | $445.00K | — |
| 2003 | 0.00x | $0.00 | $6.50 Million | $0.00 | ▼ -100.0% |
| 2002 | 0.11x | $572.00K | $5.20 Million | $572.00K | ▲ +19.9% |
| 2001 | 0.09x | $445.00K | $4.85 Million | $445.00K | ▲ +57.6% |
| 2000 | 0.06x | $351.00K | $6.03 Million | $351.00K | ▲ +2.8% |
| 1999 | 0.06x | $300.00K | $5.30 Million | $300.00K | ▼ -2.4% |
| 1998 | 0.06x | $400.00K | $6.90 Million | $400.00K | ▲ +88.4% |
| 1997 | 0.03x | $200.00K | $6.50 Million | $200.00K | ▼ -90.7% |
| 1996 | 0.33x | $1.36 Million | $4.11 Million | $1.36 Million | ▲ +341.6% |
| 1995 | 0.08x | $586.97K | $7.82 Million | $586.97K | — |