Norwood Financial Corp (NWFL) — Working Capital to Net Assets Ratio
Norwood Financial Corp (NWFL) has a Working Capital to Net Assets ratio of 937.0% as of December 2025. Working capital of $2.27 Billion (current assets of $2.28 Billion minus current liabilities of $14.71 Million) is measured against net assets of $242.16 Million. A higher ratio indicates strong short-term liquidity financed by the equity base. See NWFL net asset quality score to measure how much of total assets are equity-financed.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Norwood Financial Corp Working Capital to Net Assets (1995–2025)
This chart shows how Norwood Financial Corp's Working Capital to Net Assets ratio has evolved across 31 annual periods from 1995 to 2025. As of December 2025, the ratio stands at 937.0%, reflecting working capital of $2.27 Billion against net assets of $242.16 Million USD. Check NWFL goodwill-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Annual Working Capital to Net Assets for Norwood Financial Corp (1995–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Norwood Financial Corp from 1995 to 2025, covering 31 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For live market cap and the full company profile, see Norwood Financial Corp (NWFL) total market value.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | 937.0% | $2.27 Billion | $242.16 Million | $2.28 Billion | $14.71 Million | ▲ +1652.7 pp |
| 2024 | -715.7% | $-1.53 Billion | $213.51 Million | $478.65 Million | $2.01 Billion | ▲ +70.5 pp |
| 2023 | -786.2% | $-1.42 Billion | $181.07 Million | $480.50 Million | $1.90 Billion | ▲ +55.2 pp |
| 2022 | -841.4% | $-1.41 Billion | $167.09 Million | $457.71 Million | $1.86 Billion | ▼ -257.1 pp |
| 2021 | -584.4% | $-1.20 Billion | $205.26 Million | $619.35 Million | $1.82 Billion | ▲ +60.3 pp |
| 2020 | -644.7% | $-1.26 Billion | $194.78 Million | $344.51 Million | $1.60 Billion | ▼ -67.8 pp |
| 2019 | -576.9% | $-792.88 Million | $137.43 Million | $229.34 Million | $1.02 Billion | ▲ +25.1 pp |
| 2018 | -602.1% | $-736.23 Million | $122.28 Million | $265.40 Million | $1.00 Billion | ▼ -21.6 pp |
| 2017 | -580.5% | $-671.81 Million | $115.74 Million | $301.53 Million | $973.35 Million | ▼ -8.0 pp |
| 2016 | -572.5% | $-635.88 Million | $111.08 Million | $323.38 Million | $959.26 Million | ▼ -123.1 pp |
| 2015 | -449.4% | $-453.88 Million | $101.00 Million | $151.22 Million | $605.10 Million | ▼ -29.9 pp |
| 2014 | -419.5% | $-415.50 Million | $99.04 Million | $171.11 Million | $586.61 Million | ▲ +41.7 pp |
| 2013 | -461.2% | $-423.70 Million | $91.86 Million | $168.42 Million | $592.12 Million | ▼ -34.6 pp |
| 2012 | -426.6% | $-394.29 Million | $92.42 Million | $160.08 Million | $554.36 Million | ▲ +23.8 pp |
| 2011 | -450.4% | $-396.60 Million | $88.06 Million | $174.07 Million | $570.68 Million | ▲ +159.6 pp |
| 2010 | -609.9% | $-412.92 Million | $67.70 Million | $15.79 Million | $428.71 Million | ▲ +14.8 pp |
| 2009 | -624.7% | $-402.78 Million | $64.47 Million | $16.55 Million | $419.33 Million | ▲ +42.1 pp |
| 2008 | -666.8% | $-391.35 Million | $58.69 Million | $8.66 Million | $400.01 Million | ▲ +29.2 pp |
| 2007 | -696.0% | $-388.48 Million | $55.82 Million | $11.41 Million | $399.88 Million | ▲ +16.4 pp |
| 2006 | -712.4% | $-372.09 Million | $52.23 Million | $11.65 Million | $383.73 Million | ▲ +13.5 pp |
| 2005 | -725.9% | $-349.23 Million | $48.11 Million | $11.63 Million | $360.86 Million | ▲ +4.2 pp |
| 2004 | -730.2% | $-333.58 Million | $45.69 Million | $9.25 Million | $342.83 Million | ▼ -6.7 pp |
| 2003 | -723.5% | $-309.88 Million | $42.83 Million | $10.96 Million | $320.84 Million | ▲ +1.5 pp |
| 2002 | -725.0% | $-290.91 Million | $40.12 Million | $11.61 Million | $302.52 Million | ▲ +50.3 pp |
| 2001 | -775.3% | $-272.25 Million | $35.12 Million | $11.63 Million | $283.89 Million | ▲ +30.6 pp |
| 2000 | -805.9% | $-252.82 Million | $31.37 Million | $11.13 Million | $263.95 Million | ▲ +108.7 pp |
| 1999 | -914.6% | $-244.20 Million | $26.70 Million | $10.40 Million | $254.60 Million | ▼ -84.6 pp |
| 1998 | -830.0% | $-229.90 Million | $27.70 Million | $14.00 Million | $243.90 Million | ▲ +72.1 pp |
| 1997 | -902.0% | $-221.90 Million | $24.60 Million | $12.30 Million | $234.20 Million | ▲ +122.5 pp |
| 1996 | -1024.5% | $-220.47 Million | $21.52 Million | $16.67 Million | $237.14 Million | ▼ -220.4 pp |
| 1995 | -804.2% | $-183.21 Million | $22.78 Million | $7.95 Million | $191.16 Million | — |