Norwood Financial Corp (NWFL) — Defensive Interval Ratio
Norwood Financial Corp (NWFL) has a Defensive Interval Ratio of 55853 days as of December 2025. Defensive assets of $2.25 Billion (cash $-, short-term investments $408.78 Million, receivables $1.84 Billion) cover 55853 days of daily cash needs of $40.31K/day. See working capital to net assets of Norwood Financial Corp to evaluate short-term liquidity relative to the company's equity base.
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 December 2025, the ratio stands at 55853 days, meaning defensive assets of $2.25 Billion can fund 55853 days of operations without new revenue. See net asset quality index of Norwood Financial Corp to measure how much of total assets are equity-financed.
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 live market cap and the full company financial profile, see how much is Norwood Financial Corp worth.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 55853 days | $2.25 Billion | $40.31K/day | $- | $408.78 Million | ▲ +55779 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 | $- | $- | — |