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 September 2025, meaning its operating cash flow of $9.34 Million could theoretically repay 0% of its total liabilities ($2.18 Billion) in one year. See Norwood Financial Corp (NWFL) free cash flow to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Norwood Financial Corp Cash Flow-to-Debt Ratio (1995–2024)
Historical debt coverage capacity for Norwood Financial Corp across 30 annual periods. Also explore NWFL net assets growth trend to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Norwood Financial Corp (1995–2024)
Year-by-year debt coverage analysis for Norwood Financial Corp. For market capitalisation and broader financial context, see NWFL market cap.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 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 | — |