Norwood Financial Corp (NWFL) — Financial Flexibility Index
Norwood Financial Corp (NWFL) has a Financial Flexibility Index of 0.01x as of September 2025. Free cash flow of $11.95 Million (operating CF $9.34 Million minus capex $2.61 Million) represents 0% of total liabilities ($2.18 Billion). Check Norwood Financial Corp strategic capital allocation to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Norwood Financial Corp Financial Flexibility Index (1995–2024)
Historical Financial Flexibility Index trend for Norwood Financial Corp across 30 annual periods. See Norwood Financial Corp (NWFL) liquidity to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Norwood Financial Corp (1995–2024)
Year-by-year free cash flow to debt coverage for Norwood Financial Corp. For the full company profile including market capitalisation, see Norwood Financial Corp market capitalisation.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.01x | $25.93 Million | $22.81 Million | $2.10 Billion | ▼ -20.3% |
| 2023 | 0.02x | $31.24 Million | $29.82 Million | $2.02 Billion | ▼ -11.6% |
| 2022 | 0.02x | $32.89 Million | $30.73 Million | $1.88 Billion | ▲ +7.0% |
| 2021 | 0.02x | $30.46 Million | $29.20 Million | $1.86 Billion | ▲ +86.2% |
| 2020 | 0.01x | $14.55 Million | $13.80 Million | $1.66 Billion | ▼ -52.2% |
| 2019 | 0.02x | $20.06 Million | $18.44 Million | $1.09 Billion | ▲ +7.3% |
| 2018 | 0.02x | $18.17 Million | $17.30 Million | $1.06 Billion | ▼ -1.6% |
| 2017 | 0.02x | $17.68 Million | $16.05 Million | $1.02 Billion | ▲ +46.3% |
| 2016 | 0.01x | $11.89 Million | $11.38 Million | $1.00 Billion | ▼ -28.4% |
| 2015 | 0.02x | $10.79 Million | $10.50 Million | $649.51 Million | ▼ -5.1% |
| 2014 | 0.02x | $10.72 Million | $10.53 Million | $612.59 Million | ▼ -17.1% |
| 2013 | 0.02x | $13.08 Million | $12.69 Million | $619.37 Million | ▲ +4.0% |
| 2012 | 0.02x | $11.78 Million | $11.36 Million | $579.88 Million | ▲ +7.5% |
| 2011 | 0.02x | $10.97 Million | $10.79 Million | $580.75 Million | ▲ +1.2% |
| 2010 | 0.02x | $8.76 Million | $8.58 Million | $469.31 Million | ▲ +38.9% |
| 2009 | 0.01x | $6.25 Million | $6.00 Million | $465.23 Million | ▼ -19.9% |
| 2008 | 0.02x | $7.48 Million | $7.15 Million | $445.61 Million | ▲ +78.3% |
| 2007 | 0.01x | $4.00 Million | $3.71 Million | $424.79 Million | ▼ -72.7% |
| 2006 | 0.03x | $13.84 Million | $12.77 Million | $402.12 Million | ▲ +79.1% |
| 2005 | 0.02x | $7.41 Million | $6.96 Million | $385.45 Million | ▼ -6.3% |
| 2004 | 0.02x | $7.50 Million | $7.06 Million | $365.94 Million | ▲ +8.7% |
| 2003 | 0.02x | $6.50 Million | $6.50 Million | $344.65 Million | ▲ +6.9% |
| 2002 | 0.02x | $5.77 Million | $5.20 Million | $327.34 Million | ▲ +3.5% |
| 2001 | 0.02x | $5.30 Million | $4.85 Million | $310.91 Million | ▼ -21.2% |
| 2000 | 0.02x | $6.38 Million | $6.03 Million | $295.36 Million | ▲ +11.2% |
| 1999 | 0.02x | $5.60 Million | $5.30 Million | $288.10 Million | ▼ -33.1% |
| 1998 | 0.03x | $7.30 Million | $6.90 Million | $251.30 Million | ▲ +3.5% |
| 1997 | 0.03x | $6.70 Million | $6.50 Million | $238.70 Million | ▲ +22.3% |
| 1996 | 0.02x | $5.48 Million | $4.11 Million | $238.57 Million | ▼ -46.9% |
| 1995 | 0.04x | $8.41 Million | $7.82 Million | $194.48 Million | — |