Norwood Financial Corp (NWFL) — Defensive Interval Ratio
Norwood Financial Corp (NWFL) has a Defensive Interval Ratio of 389 days as of June 2026. Defensive assets of $2.69 Billion (cash $-, short-term investments $438.97 Million, receivables $2.25 Billion) cover 389 days of daily cash needs of $6.91 Million/day. Explore Norwood Financial Corp long-term investment intensity to see how much of total assets are deployed in long-term investments.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Norwood Financial Corp Defensive Interval Ratio (1995–2025)
This chart shows how Norwood Financial Corp's Defensive Interval Ratio has evolved across 31 annual periods from 1995 to 2025. As of June 2026, the ratio stands at 389 days, meaning defensive assets of $2.69 Billion can fund 389 days of operations without new revenue. Read Norwood Financial Corp debt and liabilities for a breakdown of total debt and financial obligations.
Annual Defensive Interval Ratio for Norwood Financial Corp (1995–2025)
The table below presents the year-by-year Defensive Interval Ratio for Norwood Financial Corp from 1995 to 2025, covering 31 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For the complete balance sheet picture, see Norwood Financial Corp asset portfolio.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 49 days | $289.27 Million | $5.85 Million/day | $- | $280.02 Million | ▼ -24 days |
| 2024 | 74 days | $406.31 Million | $5.50 Million/day | $- | $397.85 Million | ▼ -6 days |
| 2023 | 79 days | $414.38 Million | $5.22 Million/day | $- | $406.26 Million | ▼ -4 days |
| 2022 | 83 days | $425.84 Million | $5.11 Million/day | $- | $418.93 Million | ▲ +1 days |
| 2021 | 83 days | $412.67 Million | $4.98 Million/day | $- | $406.78 Million | ▲ +30 days |
| 2020 | 53 days | $232.82 Million | $4.38 Million/day | $- | $226.59 Million | ▼ -23 days |
| 2019 | 76 days | $213.92 Million | $2.80 Million/day | $- | $210.21 Million | ▼ -14 days |
| 2018 | 90 days | $247.05 Million | $2.74 Million/day | $- | $243.28 Million | ▼ -17 days |
| 2017 | 107 days | $284.84 Million | $2.67 Million/day | $- | $281.12 Million | ▼ -10 days |
| 2016 | 117 days | $306.21 Million | $2.63 Million/day | $- | $302.56 Million | ▲ +31 days |
| 2015 | 85 days | $141.21 Million | $1.66 Million/day | $- | $138.85 Million | ▼ -14 days |
| 2014 | 99 days | $158.73 Million | $1.61 Million/day | $- | $156.40 Million | ▼ 0 days |
| 2013 | 99 days | $160.55 Million | $1.62 Million/day | $- | $158.13 Million | ▲ +2 days |
| 2012 | 97 days | $147.78 Million | $1.52 Million/day | $- | $145.39 Million | ▼ 0 days |
| 2011 | 98 days | $152.65 Million | $1.56 Million/day | $- | $150.18 Million | ▲ +87 days |
| 2010 | 11 days | $13.01 Million | $1.17 Million/day | $- | $10.84 Million | ▼ 0 days |
| 2009 | 11 days | $13.06 Million | $1.15 Million/day | $- | $10.86 Million | ▲ +9 days |
| 2008 | 2 days | $2.20 Million | $1.10 Million/day | $- | $17.00K | ▼ 0 days |
| 2007 | 2 days | $2.39 Million | $1.10 Million/day | $- | $50.00K | ▲ +0 days |
| 2006 | 2 days | $2.20 Million | $1.05 Million/day | $- | $67.00K | ▲ +0 days |
| 2005 | 2 days | $1.88 Million | $988.65K/day | $- | $70.00K | ▼ -14 days |
| 2004 | 16 days | $14.82 Million | $939.25K/day | $- | $13.18 Million | ▲ +14 days |
| 2003 | 2 days | $1.85 Million | $879.01K/day | $- | $64.00K | ▼ -8 days |
| 2002 | 10 days | $8.46 Million | $828.83K/day | $- | $6.67 Million | ▼ -2 days |
| 2001 | 12 days | $9.57 Million | $777.78K/day | $- | $7.69 Million | ▲ +6 days |
| 2000 | 6 days | $4.69 Million | $723.14K/day | $- | $2.70 Million | ▲ +4 days |
| 1999 | 2 days | $1.60 Million | $697.53K/day | $- | $- | ▲ +0 days |
| 1998 | 2 days | $1.40 Million | $668.22K/day | $- | $- | ▼ 0 days |
| 1997 | 2 days | $1.40 Million | $641.64K/day | $- | $- | ▼ 0 days |
| 1996 | 2 days | $1.56 Million | $649.69K/day | $- | $- | ▼ 0 days |
| 1995 | 3 days | $1.50 Million | $523.73K/day | $- | $- | — |