Norwood Financial Corp (NWFL) — Cash Flow-to-Debt Ratio
Norwood Financial Corp (NWFL) has a Cash Flow-to-Debt Ratio of 0.00x as of June 2026, meaning its operating cash flow of $8.91 Million could theoretically repay 0% of its total liabilities ($2.62 Billion) in one year. See NWFL FCF to total liabilities ratio to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Norwood Financial Corp Cash Flow-to-Debt Ratio (1995–2025)
Historical debt coverage capacity for Norwood Financial Corp across 31 annual periods. For the full cash flow conversion analysis, see how efficiently does Norwood Financial Corp generate cash.
Annual Cash Flow-to-Debt Ratio for Norwood Financial Corp (1995–2025)
Year-by-year debt coverage analysis for Norwood Financial Corp. Check Norwood Financial Corp earnings quality ratio to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.02x | $33.97 Million | $2.18 Billion | ▲ +43.6% |
| 2024 | 0.01x | $22.81 Million | $2.10 Billion | ▼ -26.6% |
| 2023 | 0.01x | $29.82 Million | $2.02 Billion | ▼ -9.7% |
| 2022 | 0.02x | $30.73 Million | $1.88 Billion | ▲ +4.3% |
| 2021 | 0.02x | $29.20 Million | $1.86 Billion | ▲ +88.2% |
| 2020 | 0.01x | $13.80 Million | $1.66 Billion | ▼ -50.6% |
| 2019 | 0.02x | $18.44 Million | $1.09 Billion | ▲ +3.6% |
| 2018 | 0.02x | $17.30 Million | $1.06 Billion | ▲ +3.2% |
| 2017 | 0.02x | $16.05 Million | $1.02 Billion | ▲ +38.7% |
| 2016 | 0.01x | $11.38 Million | $1.00 Billion | ▼ -29.6% |
| 2015 | 0.02x | $10.50 Million | $649.51 Million | ▼ -6.0% |
| 2014 | 0.02x | $10.53 Million | $612.59 Million | ▼ -16.1% |
| 2013 | 0.02x | $12.69 Million | $619.37 Million | ▲ +4.6% |
| 2012 | 0.02x | $11.36 Million | $579.88 Million | ▲ +5.4% |
| 2011 | 0.02x | $10.79 Million | $580.75 Million | ▲ +1.6% |
| 2010 | 0.02x | $8.58 Million | $469.31 Million | ▲ +41.7% |
| 2009 | 0.01x | $6.00 Million | $465.23 Million | ▼ -19.6% |
| 2008 | 0.02x | $7.15 Million | $445.61 Million | ▲ +83.8% |
| 2007 | 0.01x | $3.71 Million | $424.79 Million | ▼ -72.5% |
| 2006 | 0.03x | $12.77 Million | $402.12 Million | ▲ +75.9% |
| 2005 | 0.02x | $6.96 Million | $385.45 Million | ▼ -6.4% |
| 2004 | 0.02x | $7.06 Million | $365.94 Million | ▲ +2.3% |
| 2003 | 0.02x | $6.50 Million | $344.65 Million | ▲ +18.7% |
| 2002 | 0.02x | $5.20 Million | $327.34 Million | ▲ +1.8% |
| 2001 | 0.02x | $4.85 Million | $310.91 Million | ▼ -23.6% |
| 2000 | 0.02x | $6.03 Million | $295.36 Million | ▲ +11.0% |
| 1999 | 0.02x | $5.30 Million | $288.10 Million | ▼ -33.0% |
| 1998 | 0.03x | $6.90 Million | $251.30 Million | ▲ +0.8% |
| 1997 | 0.03x | $6.50 Million | $238.70 Million | ▲ +57.9% |
| 1996 | 0.02x | $4.11 Million | $238.57 Million | ▼ -57.1% |
| 1995 | 0.04x | $7.82 Million | $194.48 Million | — |