Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | $5.66M | $5.45M | $6.21M | $7.02M | $8.76M | $7.14M | $7.40M | $8.00M |
| Revenue growth | — | — | — | -3.8% | 14.0% | 13.1% | 24.8% | -18.5% | 3.7% | 8.1% |
| Net income | $6.71M | $8.20M | $13.7M | $14.2M | $15.1M | $24.9M | $29.2M | $16.8M | -$160K | $27.8M |
| Net margin | — | — | 241.1% | 260.9% | 242.9% | 354.9% | 333.7% | 234.9% | -2.2% | 347.0% |
| EPS (diluted) | $1.15 | $1.31 | $2.17 | $2.25 | $2.09 | $3.04 | $3.58 | $2.07 | -$0.02 | $3.01 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $11.4M | $16.1M | $17.3M | $18.4M | $13.8M | $29.2M | $30.7M | $29.8M | $22.8M | $34.0M |
| Capital expenditures | $511K | $1.63M | $873K | $1.62M | $749K | $1.26M | $2.15M | $1.41M | $3.13M | $4.72M |
| Free cash flow | $10.9M | $14.4M | $16.4M | $16.8M | $13.0M | $27.9M | $28.6M | $28.4M | $19.7M | $29.2M |
| Share buybacks | $447K | $1.59M | $194K | $428K | $108K | $1.44M | $2.52M | $3.10M | $703K | $361K |
| Dividends paid | $4.71M | $5.39M | $5.51M | $6.04M | $7.26M | $8.54M | $9.16M | $9.42M | $9.72M | $11.5M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $17.2M | $16.7M | $18.3M | $15.4M | $112M | $207M | $31.9M | $66.1M | $72.3M | $44.4M |
| Total assets | $1.11B | $1.13B | $1.18B | $1.23B | $1.85B | $2.07B | $2.05B | $2.20B | $2.32B | $2.42B |
| Total liabilities | $1.00B | $1.02B | $1.06B | $1.09B | $1.66B | $1.86B | $1.88B | $2.02B | $2.10B | $2.18B |
| Shareholders' equity | $111M | $116M | $122M | $137M | $195M | $205M | $167M | $181M | $214M | $242M |
| Retained earnings | $67.2M | $70.4M | $78.4M | $86.5M | $93.8M | $110M | $130M | $135M | $125M | $141M |
| Shares (wtd avg diluted) | 5.83M | 6.27M | 6.29M | 6.33M | 7.23M | 8.20M | 8.18M | 8.08M | 8.09M | 9.23M |
Every figure is extracted from NORWOOD FINANCIAL CORP’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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