Norwood Financial (Norwood Financial) Scaled Net Operating Assets : -0.07 (As of Dec. 2023)

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What is Norwood Financial Scaled Net Operating Assets?

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Norwood Financial's operating assets for the quarter that ended in Dec. 2023 was $1,728.70 Mil. Norwood Financial's operating liabilities for the quarter that ended in Dec. 2023 was $1,875.77 Mil. Norwood Financial's Total Assets for the quarter that ended in Sep. 2023 was $2,180.00 Mil. Therefore, Norwood Financial's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2023 was -0.07.

Norwood Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Norwood Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2023 is calculated as

	Scaled Net Operating Assets (SNOA)		(A: Dec. 2023 )
=	(Operating Assets (A: Dec. 2023 )	-	Operating Liabilities (A: Dec. 2023 ))	/	Total Assets (A: Dec. 2022 )
=	(2134.959	-	1875.773)	/	2047.07
=	0.13

where

	Operating Assets		(A: Dec. 2023 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	2201.079	-	66.12
=	2134.959

	Operating Liabilities		(A: Dec. 2023 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	2020.009	-	69.83	-	74.406
=	1875.773

Norwood Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2023 is calculated as

	Scaled Net Operating Assets (SNOA)		(Q: Dec. 2023 )
=	(Operating Assets (Q: Dec. 2023 )	-	Operating Liabilities (Q: Dec. 2023 ))	/	Total Assets (Q: Sep. 2023 )
=	(1728.7	-	1875.773)	/	2179.998
=	-0.07

where

	Operating Assets		(Q: Dec. 2023 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	2201.079	-	472.379
=	1728.7

	Operating Liabilities		(Q: Dec. 2023 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	2020.009	-	69.83	-	74.406
=	1875.773

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Norwood Financial (Norwood Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Norwood Financial Corp (NAS:NWFL) » Definitions » Scaled Net Operating Assets

Comparable Companies

Traded in Other Exchanges

N/A

Address

717 Main Street, P.O. Box 269, Honesdale, PA, USA, 18431

Website

https://www.wayne.bank

Norwood Financial Corp is a U.S.-based bank holding company. It offers various personal and business credit services, trust and investment products, and real estate settlement services to consumers, businesses, nonprofit organizations, and municipalities in each of the communities that the bank serves. The bank also manages automated teller machines at its branch location. It serves the Pennsylvanian counties of Wayne, Pike, Monroe, and Lackawanna, as well as Susquehanna County.

Executives

Andrew Forte	director	717 MAIN STREET, HONESDALE PA 18431
James O Donnelly	officer: President & CEO	717 MAIN ST, HONESDALE PA 18431
Jeffrey S Gifford	director	GIFFORD JEFFREY S, 717 MAIN STREET, HONESDALE PA 18431
Joseph W Adams	director	717 MAIN STREET, HONESDALE PA 18431
William S Lance	officer: EVP & CFO	717 MAIN STREET, HONESDALE PA 18431
John F Carmody	officer: EVP & Chief Credit Officer	717 MAIN STREET, HONESDALE PA 18431
Lewis J Critelli	director, officer: President & CEO	P O BOX 269, 717 MAIN ST, HONESDALE PA 18431
Alexandra K Nolan	director	NOLAN ALEXANDRA K, 717 MAIN STREET, HONESDALE PA 18431
Robert J Mancuso	officer: EVP & Chief Credit Officer	717 MAIN STREET, HONESDALE PA 18431
Vincent O'bell	officer: See Remarks	717 MAIN STREET, HONESDALE PA 18431
Davis William W Jr	director, officer: Chairman of the Board	P O BOX 269, 717 MAIN ST, HONESDALE PA 18431
Kenneth A Phillips	director	P O BOX 269, 717 MAIN ST, HONESDALE PA 18431
John H Sanders	officer: Senior Vice President	P O BOX 269, 717 MAIN ST, HONESDALE PA 18431
Susan Campfield	director	717 MAIN STREET, HONESDALE PA 18431
Meg L Hungerford	director	717 MAIN STREET, HONESDALE PA 18431