Norwood Financial Corp (NWFL) - Net Assets
Based on the latest financial reports, Norwood Financial Corp (NWFL) has net assets worth $242.16 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.42 Billion) and total liabilities ($2.18 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Norwood Financial Corp liquidity resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $242.16 Million |
| % of Total Assets | 9.99% |
| Annual Growth Rate | 8.2% |
| 5-Year Change | 17.97% |
| 10-Year Change | 118.0% |
| Growth Volatility | 10.29 |
Norwood Financial Corp - Net Assets Trend (1995–2025)
This chart illustrates how Norwood Financial Corp's net assets have evolved over time, based on quarterly financial data. Also explore Norwood Financial Corp total assets for the complete picture of this company's asset base.
Annual Net Assets for Norwood Financial Corp (1995–2025)
The table below shows the annual net assets of Norwood Financial Corp from 1995 to 2025. For live valuation and market cap data, see NWFL market cap overview.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $242.16 Million | +13.42% |
| 2024-12-31 | $213.51 Million | +17.91% |
| 2023-12-31 | $181.07 Million | +8.37% |
| 2022-12-31 | $167.09 Million | -18.60% |
| 2021-12-31 | $205.26 Million | +5.38% |
| 2020-12-31 | $194.78 Million | +41.74% |
| 2019-12-31 | $137.43 Million | +12.38% |
| 2018-12-31 | $122.28 Million | +5.66% |
| 2017-12-31 | $115.74 Million | +4.20% |
| 2016-12-31 | $111.08 Million | +9.98% |
| 2015-12-31 | $101.00 Million | +1.98% |
| 2014-12-31 | $99.04 Million | +7.81% |
| 2013-12-31 | $91.86 Million | -0.60% |
| 2012-12-31 | $92.42 Million | +4.95% |
| 2011-12-31 | $88.06 Million | +30.08% |
| 2010-12-31 | $67.70 Million | +5.01% |
| 2009-12-31 | $64.47 Million | +9.85% |
| 2008-12-31 | $58.69 Million | +5.14% |
| 2007-12-31 | $55.82 Million | +6.87% |
| 2006-12-31 | $52.23 Million | +8.57% |
| 2005-12-31 | $48.11 Million | +5.30% |
| 2004-12-31 | $45.69 Million | +6.66% |
| 2003-12-31 | $42.83 Million | +6.74% |
| 2002-12-31 | $40.12 Million | +14.26% |
| 2001-12-31 | $35.12 Million | +11.94% |
| 2000-12-31 | $31.37 Million | +17.49% |
| 1999-12-31 | $26.70 Million | -3.61% |
| 1998-12-31 | $27.70 Million | +12.60% |
| 1997-12-31 | $24.60 Million | +14.32% |
| 1996-12-31 | $21.52 Million | -5.54% |
| 1995-12-31 | $22.78 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Norwood Financial Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 697.2% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $141.13 Million | 58.28% |
| Common Stock | $952.00K | 0.39% |
| Other Comprehensive Income | $-21.34 Million | -8.81% |
| Other Components | $121.42 Million | 50.14% |
| Total Equity | $242.16 Million | 100.00% |
Norwood Financial Corp Competitors by Market Cap
The table below lists competitors of Norwood Financial Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
NACCO Industries Inc
NYSE:NC
|
$286.94 Million |
|
Microbio Co Ltd
TWO:4128
|
$287.22 Million |
|
Citizens Financial Services Inc. Common Stock
NASDAQ:CZFS
|
$287.27 Million |
|
Companhia Brasileira de Distribuição
F:C1B2
|
$287.63 Million |
|
Rossari Biotech Limited
NSE:ROSSARI
|
$286.86 Million |
|
Western New England Bancorp Inc
NASDAQ:WNEB
|
$286.85 Million |
|
Transcontinental Inc
TO:TCL-A
|
$286.82 Million |
|
Incap Oyj
HE:ICP1V
|
$286.82 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Norwood Financial Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 213,508,000 to 242,157,000, a change of 28,649,000 (13.4%).
- Net income of 27,754,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 11,778,000.
- Other factors decreased equity by 10,883,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $27.75 Million | +11.46% |
| Other Comprehensive Income | $11.78 Million | +4.86% |
| Other Changes | $-10.88 Million | -4.49% |
| Total Change | $- | 13.42% |
Book Value vs Market Value Analysis
This analysis compares Norwood Financial Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.17x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 6.25x to 1.17x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1995-12-31 | $4.94 | $30.87 | x |
| 1996-12-31 | $4.97 | $30.87 | x |
| 1997-12-31 | $5.50 | $30.87 | x |
| 1998-12-31 | $6.36 | $30.87 | x |
| 1999-12-31 | $6.11 | $30.87 | x |
| 2000-12-31 | $7.20 | $30.87 | x |
| 2001-12-31 | $7.98 | $30.87 | x |
| 2002-12-31 | $8.94 | $30.87 | x |
| 2003-12-31 | $9.30 | $30.87 | x |
| 2004-12-31 | $9.74 | $30.87 | x |
| 2005-12-31 | $9.70 | $30.87 | x |
| 2006-12-31 | $11.09 | $30.87 | x |
| 2007-12-31 | $11.95 | $30.87 | x |
| 2008-12-31 | $12.85 | $30.87 | x |
| 2009-12-31 | $14.13 | $30.87 | x |
| 2010-12-31 | $14.81 | $30.87 | x |
| 2011-12-31 | $17.34 | $30.87 | x |
| 2012-12-31 | $17.06 | $30.87 | x |
| 2013-12-31 | $16.86 | $30.87 | x |
| 2014-12-31 | $18.11 | $30.87 | x |
| 2015-12-31 | $18.23 | $30.87 | x |
| 2016-12-31 | $19.09 | $30.87 | x |
| 2017-12-31 | $18.49 | $30.87 | x |
| 2018-12-31 | $19.44 | $30.87 | x |
| 2019-12-31 | $21.70 | $30.87 | x |
| 2020-12-31 | $26.94 | $30.87 | x |
| 2021-12-31 | $25.04 | $30.87 | x |
| 2022-12-31 | $20.43 | $30.87 | x |
| 2023-12-31 | $22.40 | $30.87 | x |
| 2024-12-31 | $26.69 | $30.87 | x |
| 2025-12-31 | $26.43 | $30.87 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Norwood Financial Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.46%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 20.39%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 10.01x
- Recent ROE (11.46%) is above the historical average (9.99%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1995 | 7.91% | 21.09% | 0.04x | 9.54x | $-476.59K |
| 1996 | 8.70% | 16.06% | 0.04x | 12.09x | $-279.93K |
| 1997 | 10.98% | 12.39% | 0.08x | 10.70x | $240.00K |
| 1998 | 11.55% | 14.61% | 0.08x | 10.07x | $430.00K |
| 1999 | 13.11% | 15.09% | 0.07x | 11.79x | $830.00K |
| 2000 | 12.30% | 14.60% | 0.08x | 10.42x | $723.00K |
| 2001 | 11.97% | 15.82% | 0.08x | 9.85x | $690.40K |
| 2002 | 10.85% | 17.72% | 0.07x | 9.16x | $340.50K |
| 2003 | 10.86% | 20.37% | 0.06x | 9.05x | $369.90K |
| 2004 | 10.97% | 22.22% | 0.05x | 9.01x | $441.50K |
| 2005 | 11.43% | 21.71% | 0.06x | 9.01x | $686.20K |
| 2006 | 11.32% | 20.01% | 0.06x | 8.70x | $686.90K |
| 2007 | 11.66% | 19.86% | 0.07x | 8.61x | $929.10K |
| 2008 | 11.38% | 20.75% | 0.06x | 8.59x | $808.00K |
| 2009 | 10.96% | 21.92% | 0.06x | 8.22x | $615.90K |
| 2010 | 10.80% | 24.58% | 0.06x | 7.93x | $543.20K |
| 2011 | 8.35% | 22.63% | 0.05x | 7.59x | $-1.45 Million |
| 2012 | 9.09% | 24.27% | 0.05x | 7.27x | $-839.10K |
| 2013 | 9.21% | 24.99% | 0.05x | 7.74x | $-721.40K |
| 2014 | 7.73% | 23.29% | 0.05x | 7.19x | $-2.25 Million |
| 2015 | 5.85% | 18.19% | 0.04x | 7.43x | $-4.19 Million |
| 2016 | 6.04% | 17.93% | 0.03x | 10.00x | $-4.40 Million |
| 2017 | 7.08% | 17.86% | 0.04x | 9.79x | $-3.38 Million |
| 2018 | 11.16% | 27.54% | 0.04x | 9.69x | $1.42 Million |
| 2019 | 10.34% | 26.29% | 0.04x | 8.95x | $472.20K |
| 2020 | 7.74% | 22.77% | 0.04x | 9.51x | $-4.40 Million |
| 2021 | 12.14% | 31.37% | 0.04x | 10.08x | $4.39 Million |
| 2022 | 17.50% | 34.15% | 0.04x | 12.25x | $12.52 Million |
| 2023 | 9.26% | 16.17% | 0.05x | 12.16x | $-1.35 Million |
| 2024 | -0.07% | -0.16% | 0.04x | 10.85x | $-21.51 Million |
| 2025 | 11.46% | 20.39% | 0.06x | 10.01x | $3.54 Million |
Industry Comparison
This section compares Norwood Financial Corp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $519,829,600
- Average return on equity (ROE) among peers: 6.05%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Norwood Financial Corp (NWFL) | $242.16 Million | 7.91% | 9.01x | $286.90 Million |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $148.70 Million | 9.23% | 10.41x | $5.70 Billion |
| ACNB Corporation (ACNB) | $93.75 Million | 8.98% | 9.33x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $96.99 Million | 6.06% | 10.54x | $647.19 Million |
| Amalgamated Bank (AMAL) | $585.36 Million | 15.03% | 12.62x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $577.58 Million | -0.30% | 12.45x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $249.60 Million | 11.75% | 10.06x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.74 Billion | -4.81% | 7.35x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $116.55 Million | 6.07% | 10.46x | $62.60 Million |
About Norwood Financial Corp
Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services in the United States. The company offers deposit products, including interest-bearing and non-interest-bearing transaction, statement savings, and money market accounts, as well as certificate of deposits. Its commercial loans include lines of credit, revolving credit, t… Read more